davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Harley Davidson Financial Services Inc (CA)

I purchased a Harley Davidson with a warranty. Every time I went to use the warranty Harley would not accept it and I would have to pay full price. I asked for the warranty cancelled and a refund and Harley refused. They used bait and switch tactics to place a useless warranty on my bike to increase my payments and the interest collected. They also engaged in predatory lending as my interest rate is excessive. I am requesting my warranty refunded and my interest rate reduced.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (CA)

To whom it may concern : I have had my XXXX XXXX XXXX card for a very long time and I was always very happy with it up until recently. I had emergency repairs in my house I had a leak and I live in a XXXX XXXX house and it was structural emergency that had to be fixed right away. I called XXXX XXXX to explain the circumstances and let them know I would be a few days late with my Minimum payment because of the emergency. Instead of working with me they cut my limit under my current balance and took of my pay over time feature away raising my APR up to 27.49 %. 
I have called and talked to several Mgr 's at XXXX XXXX XXXX most of the calls were out sourced to a different country which I went in circles trying to get something simple resolved. 
I had no other choice but to file a compliant with the XXXX and it still was not resolved after they mailed a letter to Corporate XXXX XXXX but nothing. 
I am quite aware that there is a Credit Card Accountability Responsibility and Disclosure Act of 2009 law that requires the card Issuers ( XXXX XXXX ) to provide written notice to consumers ( XXXX XXXX ) at least 45 days before the effective date of an increase in an APR or any other " significant change '' The 45 day advance notice rule is designed to provide consumers with sufficient time to respond to a change in terms notice which I got in 1 day notice by email that 's not fair. I paid my minimum balance of {$4800.00} and they emailed me for another {$13000.00} 2 weeks latter. I think my minimum payment was a few days late and I am current now but no one at all with work with me. I just want my terms put back the way it was before so I continue my good history with XXXX XXXX. Please let me know if you can help me resolve this they are not working with me even knowing they broke the law. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2016-06-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (NC)

This case was dismissed in court against me for this company on XXXX/XXXX/2016 case number XXXX because it was passed the stature of limitations. I did forward this information to all XXXX credit bureau. I did not dispute that it was not mine but that it was dismissed in court. They responded with this message. XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX : ( XXXX ) XXXX. I am disputing the fact that my report should have been updated and it should show as no balance due on all XXXX credit reports for me for this Charge Off. The balance ( and past due/or past due ) on this account is incorrect it should say {$0.00} since it was Charged Off.
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (TX)

This was the best choice for my situation. I have a complaint against a company called Central Control Finance also know as Syndicated office systems which is a collection agency who collected on a debt of mines which was a medical bill I never received any notice of, not even from the hospital because it was sent to a different address than where I resided. I only found out about the debt when it was placed on my credit report and there was contact information to speak with someone. After speaking with someone I resolved the debt with no problem. I requested for it to be removed from my credit reports because I was never properly contacted by anyone about the debt. They told me I could submit a dispute and I did just that with all proper documentation to prove to them I did not live where they had ( they claim ) sent a notice of the debt. They denied my request even after providing proper evidence. This was about a year ago. I felt like it was unfair that I had to have something on my credit that I did not receive notice for and not given a chance to resolve something as little as {$150.00} that would follow me for 7yrs. I recently reached back out to them to resubmit my dispute because one of the reps there even said that she can see that I was never contacted my phone as well and suggest that I submit my request again by fax which she provided on XXXX XXXX, 2016. It was denied again even with proper documentation. I would like someone to please reach out to them to have this item removed from all XXXX of my credit reports so I can move on in life. I paid them and held myself accountable, so I would like them to hold themselves accountable for not providing me with a notice. After I had this issue I decided to research this company only to find out they had just been involved in a lawsuit because they were not properly notifying consumers of their debts that 's what led me to send this complaint because I figured if they had to be sued, they were not going to be any help to me since they had n't been to others in the past. Thanks for your prompt attention in this matter.
Consumer complaint received 2016-07-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc. (AL)

I sent a letter to Amsher asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16 and it is not XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.
Consumer complaint received 2016-05-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (VA)

In XXXX or XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from Dynamic Recovery Solutions who claimed to be representing XXXX. This is probably the XXXX call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " XXXX '' got this phony debt.. .nor do I know how Dynamic Recovery Solutions XXXX XXXX South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (AZ)

I opened a checking account on XXXX XXXX, 2016 with the Branch Manager, he offered me overdraft protection. He advised me that, the overdraft would cover changers if I did n't have the available funds in my account, and as long as I deposited the funds to cover the transaction I would not be charged any NSF fees. The morning of XXXX XXXX, 2016 I overdrew my account by {$10.00} getting gas at XXXX. That same day I made a cash deposited in my account of {$20.00} to cover the transaction from the morning of {$10.00}. My account reflected a positive balance of {$14.00}. The NSF charged for the transaction posted to my account two ( 2 ) days later and caused other transaction to be declined and more NSF Charges. I was unware due to the statements the branch manager advised me of when selling the Overdraft protection to me. I called Compass Bank to make a complaint and get this rectified on XXXX XXXX, 2016. I was told by rude agent that someone from the corporate office would be calling me back. I still yet to receive a call back and my account has not been corrected to date and more fees are occurring.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Payoff process — 
Company: ENCORE CAPITAL GROUP INC. (VA)

I had an XXXX card with XXXX. The account was placed with Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX for collection. In XXXX 2016 I agreed to a settlement of XXXX monthly payments commencing XXXX XXXX, and ending XXXX XXXX, 2016. After the final payment was made I have continually asked for a payment in full letter, which I can not receive. The account is still listed on my credit report as having an outstanding balance and has affected my credit for purchasing a home. I just want them to acknowledge payment in full and send me the satisfaction letter, and report to the appropriate credit bureaus.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In case # XXXX, SPS still insists that XXXX made a " protective advance '' in paying off my XXXX mortgage, and I still maintain that I was in no danger of foreclosure by XXXX XXXX ( in fact, I had arrangements to bring the mortgage current ; XXXX was very helpful when I was dealing with the financial impact of XXXX XXXX ) so that what SPS calls a " protective advance '' was in fact a payoff that was not in keeping with the terms of my note. 
SPS offered to discuss a tender amount required to complete a rescission transaction, which I would be willing to discuss except for one point that SPS points out that a rescinded transaction is designed to bring both parties to a state as if the rescinded transaction had not occurred. My question is how do you plan on reinstating my mortgage with XXXX or how do you plan on bringing me back to that state? You ( actually XXXX ) created this situation by arbitrarily paying off XXXX, so how do you plan on bringing me back to my original state? If XXXX had done the transaction legally with a right to rescind ( and also, by the way, if they had provided TIL and RESPA documents to make the transaction legal as far as paperwork although it would still be in violation of the terms of the note ) I would not be asking this question. 
In other words, your offer is really not an offer at all, unless you can do what appears to be impossible.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I have attached information taken from Ditech website in XXXX XXXX indicating the following escrow activity. 

XXXX XXXX XXXX/XXXX/XXXX {$1600.00} XXXX XXXX/XXXX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$73.00} I have attached the accounting records Ditech/Greentree has sent via my Qualified Written Request. On pages XXXX and XXXX there is indication the taxes and homeowners insurance payments. There is no indication of PMI payments to XXXX XXXX. I would like a complete record of PMI payments and your disclosure record on this charge.
Consumer complaint received 2016-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (OK)

On XXXX XXXX, XXXX, I received a correspondence from Linebarger Goggan Blair & Sampson , LLP, indicating my vehicle was in " numerous '' XXXX. This matter was allegedly forward to the referenced firm for collections after no response was received. I never received any correspondence from XXXX XXXX XXXX XXXX XXXX regarding violations ; therefore, I can not be in violation of no response. The correspondence from " Attorneys Office '' threatens fines and additional fees if I did not pay an amount of {$79.00}. In response, I sent a letter dated XXXX XXXX, XXXX, disputing the alleged debt. Letter was delivered XXXX XXXX, XXXX, per USPS tracking XXXX. No response has been received from this alleged collection company/law firm. I want proof of this violation, proof the original letter was sent to me, an accounting of the violation fees and costs, and proof Linebarger is licensed to collect a debt in XXXX. This letter is harassing and full of lies. When you search this " firm '' online, all that is found is complaints everywhere. I do n't even recall ever driving on any tolls in XXXX. I want the CFPB to investigate the shady and false collection tactics that are going on here. I want a response from the this " firm, '' and I want justice for the stress that this matter has caused my family and I. Thank you.
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

On XX/XX/2017, i made a payment to credit collection services on XX/XX/2017 in the amount of XXXX. Then i made a payment arrangement for the company to collect XXXX every month from my checking account. But as i looked at my bank account, the compsny doubled the payment and made two attempts to collect XXXX in XX/XX/XXXX and XX/XX/2017. I called credit collection services on XX/XX/2017 on the recorded line and I told the rep that they are deducting more than what i agreed to and that it made my account overdrawn. The rep looked in the notes and saw where the extra XXXX was coming out. And it showed in her record that only XXXX dollars supposed to come out and stated not XXXX was to come out my checking account. She stated the the company would reverse me the difference and have someone to call me Monday. But today is Tuesday and no one has called me, so i decided to file a compliant.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Duncan Solutions, lnc. (MD)

Dear Sir or Madam : Professional Account Management ( PAM ) has violated the terms of the FDCPA by continuing to collect disputed debts after requests for evidence were received. Furthermore, please see paragraph S on page 7 on the attached contract between the XXXX Department of Transportation and PAM. PAM expressly violated the terms of paragraph S when it failed to protect the confidentiality of all records and accounts issued by the Department when it forwarded sensitive, confidential information to the CFPB, the State of XXXX, the State of XXXX, the XXXX, and others. Pursuant to their contract, these unauthorized disclosures were strictly forbidden and placed petitioner at increased risk of identify theft.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX NORDSTROM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX Dear NORDTROM, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (GA)

I had an XXXX card. I have been a member since 1996. They closed my account and sent it to collections. I have been trying to work with the collection agency but they are no help. I had contacted XXXX XXXX to get statement copies so I could pay my bill. They said they would sent it but it never came in. Then a month later I requested them again and they told me they would send out. And also they stated they would put a freeze on my account so I do n't get reported to credit agency. By the time I got the bills they had closed my account and sent to credit agency. They have lied to me and I should not be punished for this. I am willing to pay the full bill but I want my XXXX card reinstated and the false credit reporting deleted. Tell them to go back and go over the recorded calls and they will see what their agent said. They are not returning my calls form the executive dept either. seems like discrimation to find a way to cancel my card.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2016-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have been a member of USAA for almost 10 years now. On the XXXX of XXXX, my wife and I deposited her commission check she received for a XXXX deal she completed that day. She is a XXXX and has had large commission checks deposited to this account before. This particular check was for over {$6000.00}. We called before we deposited it via the mobile banking app ( because that is the ONLY way you can deposit a check ) to ensure some of the money would be available for immediate use. The banking rep stated that we would have access to most of the money. They would hold {$1500.00} while the check cleared. This seemed normal and we deposited the check. We immediately had access to the money like the representative stated with a hold of about {$1500.00}. Two hours later, the account was locked down for " Fraud Alert ''. We have XXXX accounts we use for different aspects of our lives. Not only did they lock the main account down, the account the check was deposited to, but locked down ALL XXXX accounts for " Fraud ''. This check came from a XXXX office. We called before we deposited it, and yet, EVERY account we had was locked down for " Fraud ''. To make matters worse, when we called to figure out what the issue was, they told us it would take THREE days for it to be rectified! THREE DAYS! We could n't access a XXXX of our money for THREE days! We spoke with several people and no one would help us. They kept telling us it would take the fraud department time to " investigate '' the check. Meanwhile, I have XXXX who I could n't feed because we could n't access our money. No answers, no sympathy, and no action was taken by USAA to expedite the situation. We spoke to a manager who gave us a bad attitude and did n't help us at all. It did n't seem that any department had any idea what the other was doing. One person told us that the automated system triggered the main account for fraud but then another person, they did n't know who, came behind that and locked us out of all of our accounts. We have yet to hear anything from anyone and the issue is still not rectified, 4 days into it.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX 2016, my Capital One credit card number was stolen after placing an online food order. Multiple flights and vacation packages were purchased from different companies. Many of the charges were refunded, but XXXX were recharged to the account in XXXX 2016. I have called the fraud department approximately every other week. The previous employee, XXXX, no longer works there and her voicemail states this. During the most recent phone call, Capital One promised my account balance would be cleared to XXXX. This has not been the case, and the balance for the fraudulent charges plus interest charges are still being charged to my credit card account.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I have had an extended loan with XXXX, when I first started my payments I put in multiple instructions that my principal be paid on first and not interest, I 've noticed for white sometime I ask for statements on balanced, but in XX/XX/2010 I owed a little over {$10000.00} and I still owe the same amount, and paying XXXX $ a month for so long, I should n't owe that much, and they wo n't give me any statements, they tell me go online it 's all online, there 's not one spot online that shows my beginning Balance I started with after quitting school to now showing how much I 've paid on my loan, I 've been making payments for a long time, but my Balance owed is the same as 7 years ago
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

XXXX switched over the credit cards from XXXX XXXX to Citibank Visa card on XXXX XXXX, 2016. 
In process all the charges which were made on my XXXX XXXX were also transfered to Citibank ( without my knowledge ). My XXXX account was set up for autopay and would have been paid by end of the month. But because of this transfer, Citibank charged me the late fee and interest. This is a huge inconvenience and bad practice.