davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Zenith Financial Network Inc (IA)

On XXXX/XXXX/XXXX, I was called by a man who asked if I would be at home on XXXX/XXXX/XXXX at XXXX. I told the man I would not be home as I would be working. The man said he was a process server a nd I was being served. I asked if I could meet him somewhere to pick up the documents, he replied no. I asked him if I could contact somebody and he gave me the phone number of XXXX. He said ask for XXXX XXXX. XXXX XXXX identified himself as an attorney for XXXX and immediately accused me of committing fraud, deceptive practice, and that I would be arrested for a debt from XXXX XXXX XXXX for refusal to pay, that was supposedly taken on XXXX/XXXX/XXXX. I informed him I did not recall any debts of that nature. I asked him why have n't I received any notifications of this debt prior to this call? He said Mailings were sent out but they must have been lost in the mail. I asked him if there was any way I could rectify it? He said the debt was for {$970.00}. He would have to talk to his partners to see if anything could be done. XXXX XXXX told me I could settle the debt for one payment {$580.00} or 2 payments of {$320.00}. I asked XXXX XXXX if they had a website? He gave me the " XXXX '' I asked if I can receive a mailed copy of the debt and receipt of payment, he said sure but he would send me an email if I made a payment immediately. After receiving an email. with the letter head of ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX ) I called the number and inquired about the debt. The receptionist did not have any records of me owing the debt. I asked her if she knew XXXX XXXX and she did not know who he was either. After alittle more research she said call the number on the website as it may be a sister agency. Upon calling it a receptionist answered and transferred to XXXX in house extension. After another conversation with XXXX XXXX and hearing crying from a child and a female cussing in the background. A payment was agreed upon in an attempt to stop the threatening calls to myself and my father ( received a call from this group ). XXXX XXXX transferred me to a number of XXXX, a XXXX number for a company of ZFN Associates ( ref # XXXX ). 

On XXXX/XXXX/XXXX I received phone messages ferom XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As of XXXX/XXXX/XXXX I have not received any mailings regarding this debt or the validation of this debt.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor their agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

I have a credit freeze in place with all three reporting agencies. When I make a large purchase requiring a credit freeze, I " unfreeze '' the information. This costs XXXX dollars in each instance. I routinely have trouble with Equifax using the online system and must resort to calling them. This is a time consuming process and is inconvenient in that it has to take place during my working hours. I recently attempted to resolve this after my last attempt in XX/XX/XXXX. After a tedious e-mail exchange, I was promised a phone call which never materialized. I tried to contact them and of course they were closed. I do n't mind the periodic extortion for the automated credit lift but the company seems not to understand the responsibility granted to an entity that in effect controls an individuals financial freedom. All I ask is for Equifax to fix whatever error is in my file that does not allow either the automated phone or the web-based to access my account.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I signed up for American Platinum card with XXXX Membership Rewards points bonus after spending {$3000.00} in the first 3 months. The spending requirement was met, all spending are legitimate, no Manufacturing Spending, the XXXX points was posted to my account. Once the bonus posted I then closed this account. A few weeks later, the bonus was removed from my account for no reasons, the online forum suggested that maybe due to the American Platinum credit card account was closed " too soon '', however there are not wordings at all in the Terms & Conditions that the account MUST be opened, I have all the rights to close the account any time. I am requesting the XXXX MR points to re-post to my account.
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with you has to be between the accuser and you with both of your signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with you and are not qualified to claim you owe them something under the Doctrine of Subrogation. 
I have disputed this with XXXX and the other bureaus and the other XXXX have deleted it. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. The company is
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I am a TD bank member and I had an issue with a company that was withdrawing from my account without my authorization and was taking out 4 different payments this also caused me to have overdraft fees. I went into my local branch to clear up the matter and they explained they could not help me.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NJ)

I recently received a fee for an item that was paid XXXX/XXXX/16 from my Bank BB & T, even though I had and still have more then enough in my checking account to pay the check. The system in which BB & T executes their overdraft fees is very suspicious. 

The person at customer service at BB & T said I received the fee because on XX/XX/XXXX the check was sent for payment. Not only did I have enough in my account to pay the check, but I also had a cash direct deposit that morning and another XXXX/XXXX/16. Throughout the weekend I used my debit card watching to make sure the funds were still available and even made a deposit Saturday morning just in case. The banks methodology is that throughout my transactions that weekend, all of my " debits '' worked against me and I did not receive credit for my deposits reasoning their over draft fee but that seems very in genuine ; all while not being notified that a check is posting to my account. Instead it posts 3 days later along with an overdraft fee. 

First, if the bank wishes to apply the charge on XX/XX/XXXX rather then XX/XX/XXXX I feel that should have been reflected on my account that day and not XX/XX/XXXX, since, as stated my account could handle it. Hiding this information has no real substance other then keeping the consumer in the dark in order to have them slip up. Also, their " voodoo '' accounting of what counts for that day and what does not sounds very heavy handed in order to reach an outcome in which they profit. As their customers, we deserve some visibility to situations happening with our accounts, and deposits should carry as much weight as debits, even if they are " pending ''
Consumer complaint received 2017-02-13
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Dynamic Recovery Solutions, LLC (GA)

I received a phone call from Dynamic Recovery Solutions saying I owed a debt on a medical bill from 2010. I informed who I was talking to that I did n't believe I owed this debt. A manager got on the phone and was very rude and told me that I did owe the debt. I live in the state of GA and this debt is past then statute of limitations. Also, I called the company XXXX on XXXX and spoke with XXXX and told him that I did n't believe I owed this debt and it was passed the SOL he said he would note that I was disputing this. I also told him that I was going to send a cease and assist letter. He told me no need to that he would note it in the system for me not be contacted. I received a letter in th mail that was written on XXXX from the above company that they had noted my account was disputed and would cease collection efforts on this debt. However, today XXXX I received a call from this company using the number XXXX. I did not answer this number but upon calling back it was Dynamic Recovery Solutions. I have received three letters in the mail and also calls after I had asked them to stop and I disputed the debt. The letter also stated they " may '' report it to a credit agency. This debt is past the SOL and I 'm am disputing the fact I even owe it. I feel like this company has violated the Fair Debt Collections Practice by threats and calling after dispute was received. Upon research I have found that this company has done this to many others as well. I also fee the threat to report this on my credit is a violation of The Fair Credit Reporting Act. I will be writing a cease and assist although it was verbally given and confirmed at the above date. This company I feel violates consumer 's right by harsssing phone calls and threatening letters.
Consumer complaint received 2017-02-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I have XXXX credit cards, a personal checking account and a business account with Navy Federal. My credit card had fallen a little behind due to loss of employment. I started working in XXXX XXXX and had spoken to representatives serval time regarding my credit card accounts. My rent was due, I had recently received an eviction letter from my rental company. My check was direct deposited into my Navy Federal checking account. However when I went online to check to make sure that I had enough money to cover my rent, I noticed that there was {$520.00} missing out of my account. I called Navy Federal to find out what my money was gone, I was told that the money was transferred to my credit card. I begged them to return the money, but I was told the money could not be returned. I advised them that I would be evicted, and my child would not have a place to live. I was denied my money. Then XXXX XXXX, XXXX, again I had my rent money in the account and Navy Federal took it upon themselves to take money from me again and placed it to the credit card again. This should not be allowed to happen. No financial institution should have the authority to take someones money at will.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TX)

Received this letter from Diversified DCI Consultants, Inc. Regarding this Debt that does not apply to me in the amount of {$2200.00} have received this letter twice requesting to remove from my credit file.
Consumer complaint received 2016-06-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (OR)

I have been dealing with this problem since XXXX XXXX, 2016 and 7 phone calls to correct to no avail. 
I made 3 principle only payments to my car loan from Mercedes Benz Financial Services They acknowledge they have received the payments but will not deduct them from my balance. These payments of XXXX/XXXX/16 {$1000.00}. XXXX/XXXX/16 {$5000.00} XXXX/XXXX/16 {$3800.00} are not reflected on my statement. Beside my XXXX principle only payment was {$1200.00}. 
After calling in 5 times I went down to Mercedes of portland and talked for 1 1/2 hr with their financial manager. She said she has no recourse. She would call and talk with them. 
After waiting 1/2 hr. for a customer rep she told my story and they could n't figure it out. 
They would call back that day, XXXX XXXX. No call. They called me back on XXXX XXXX and assured me they would get back to me the same day. Understood my problem it would be corrected by the end of the day. 
After waiting over 40 days for a simple answer I have no recourse but to contact you. 
My theory is they are using the principle only money in some way to their advantage. 
I am incurring interest on a balance that should have been corrected since XXXX. The account needs to be refigured with interest taken out in the same month to avoid over payment. 
I do not know what more I can do. Mercedes of XXXX has been no help at all. 
They can process a loan and then feel they have no responsibility to their customers to help with a serious problem. 
What the Mercedes Financial is doing of holding onto funds I consider a scam. 
Mercedes of XXXX is now owned by XXXX XXXX XXXX XXXX, XXXX. 
Please help. 
XXXX XXXX
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (PA)

I am an account holder at TD Bank. I requested a withdrawal from my brokerage account XXXX to be credited to my debit card at TD Bank. I spoke to a customer service representative at XXXX, and I was shown evidence that the withdrawal and instantaneous deposit to my checking account was completed. I went to the TD Bank branch office on XXXX and XXXX Streets and they told me they have nothing in pending transactions or otherwise to reflect that fact. Also, I write to complain about TD Bank 's policy of not abiding by XXXX standards in accounting which specify First-In, First-Out accounting or First-In Last-Out accounting, but rather by the " size of the transaction, '' in overdraft protection. This practice is unacceptable because the balances on ATM receipts do not reflect the balance by their method and the result is a charge of {$35.00} every time the consumer withdraws from the account. For example, an ATM receipt may reflect a {$20.00} balance, and the consumer may withdraw {$10.00} based on that statement only to XXXX that TD Bank 's " records '' do not match their statement and the consumer is defrauded out of {$35.00} each time a withdrawal down to {$0.00} occurs. I will attach proof of my withdrawal from XXXX and instantaneous credit to my TD Bank debit card as well as proof of such fraudulent charges as associated with overdraft protection, known as " Debit Card Advance ''.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

chex systems services is reporting inaccurate reports showing that in the past my account with XXXX XXXX XXXX and XXXX Bank was unpaid and closed. Were update closed but not in a good standing. All my bank accounts balances were paid to zero. There is no balance owed on my XXXX XXXX XXXX account nor my XXXX Bank account.Which is hindering me from opening up a bank account in my name
Consumer complaint received 2016-10-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (CA)

On XXXX XXXX, 2016 and XXXX XXXX, 2016 I requested validation of a debt Nationwide Recovery Service ( NRS ) is reporting on my credit report. To date NRS has failed comply to FDCPA and FCRA ( the Acts ) regulations. ( see attached ) I will file separate legal action against NRS to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. 
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. 
This Agency has the authority and jurisdiction under Section 621 of 15 U.S.C 1681s to recover penalties on my behalf instead of filing legal action on my own.
Consumer complaint received 2016-09-21
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied for a {$50000.00} home equity line of credit with Bank of America. The BAC person said she made it for {$100000.00} so I 'd get a better rate. After waiting more than two months with no response other than them asking me if my dead husband still owned property on a street where he never owned property, I realized they were just jerking me around.. My house is paid in full and is located 15minutes from NYXXXX via car or ferry. My car is paid for. I received a letter of rejection from BAC based on " the debt being too high for my income. Considering that I only wanted {$25000.00} the monthly payment would have been under {$150.00}. I clear a minimum of {$2200.00} ... .my house and car are paid for and my health care insurance and costs including dentistry is free from my late husbands job. I have no debt other than {$2000.00} in credit cards that I used to have work done on the house while waiting for the BAC home equity loan. A tree 's roots were taking down a retaining wall adjacent to my driveway. BAC had no reason to delay their response for months and no legitimate reason to turn me down. They mention XXXX ... the only inquiries made of XXXX would have been by BAC. Also, when I took a new BAC credit card to a BAC bank for {$1000.00} cash, I was initially turned down because " the credit card '' that was never used " was bad. '' A manager corrected that. Overall, the discrimination is clearly based on my age. The house is valued at {$300000.00} and could be sold in a couple of weeks by any realtor if needed ... .good collateral for sure. My credit rating is XXXX with XXXX based on the reject letter from BAC.