davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (RI)

Hi, i had an American Express Gold card that I closed ( with XXXX balance on the card ) about 4 years ago. On XXXX XXXX I got an email stating that my account was past due. I immediately called American Express customer service and told them this card has been closed for years and there is no way it can have a balance. That I have not used the card in years and any thing reflecting on it is unauthorized. I was assured my account was " impeccable '' and it must be a spoof email. i was asked to forward that email to their spoofing dept which i did. A week later I recd a letter in the mail stating the same thing ... which was followed by another call from me to the customer service center and i was told that I was not even the primary card holder on this card and there was no balance whatsoever. Then about 2 weeks later i started getting collection calls and was now told that not only I was the primary cardholder, there was a balance of about {$1000.00} on it. How can a closed card have balance??!!! 
I then emailed their senior executive leadership member to intervene and resolve this case. I got a couple of emails from the executive admin that they will look into the matter and have updated the credit bureau of the error. My repeated requests of a phone call to understand the situation have been ignored. Its been three months and i still do n't have a resolution to my case nor any acknowledgment from American Express that the case has been closed. 
Please help me. I take my credit standing and obligations very seriously and this matter has robbed me of peace of mind. Am i a victim of ID theft? card skimming? what?
Consumer complaint received 2015-11-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX/XXXX/2015 I went to Bank of America branch in XXXX XXXX, CT to close out my account. I told cashier to close out my account and withdraw entire amount as I have enough bank account as it is. on XX/XX/XXXX I received a BOA statement saying I owed {$15.00} for maintenance fee. it appears the account was never closed. there was still money left in the account. that should not be my problem but BOA 's.
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Was contacted and threatened by law firm not only to sue but to come to our house and seize property in front of our children. Law firm spoke to my wife ( it 's was my debt ) and began negotiating asking for banking information without providing proof of the debt. This debt was passed XXXX to be collected/sued on. Wife tried to negotiate with them after served and was promised that settlement was coming and that told that I did not need to show up to court because we were in negotiating, in which case they got a default judgement. It has further damaged my credit and costing money with lawyer to fight a bill of review. It 's impacting my ability to get an FHA mortgage.
Consumer complaint received 2015-11-05
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I am only allowed to have mobile access to my accounts with USAA. I am not allowed to have the access to the member benefits of a USAA member because I have a Charge Off Foreclosure. I requested XXXX modifications with them prior to and after my retirement from the military. They told me that I make to much and am not behind so I do not qualify for modification. Then after retirement I filed for modification and they told me I was not delinquent so I went delinquent on my payments and then refiled modification and was told I do not make enough money and I was delinquent on my account and do not qualify for modification. Now after auction, foreclosure and charge off 5 years after the fact there is no set time frame for them to punish me and not allow me the privilege and benefits of membership that others get. I was told today that they do not have a set time frame in writing.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Credit Protection Association, L.P. (FL)

Debt service trying to collect for XXXX Transportation Department before a law suit is filed. 
The number they tell me to call back is XXXX and the case reference number is XXXX.
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINANCIAL MANAGEMENT  SOLUTIONS (NY) (MD)

This company just tried to scam me. A lady named XXXX ; First sign is that they did n't disclose the company name. They first said I owed money to XXXX XXXX XXXX bank, The second call said I owed XXXX BANK, and they wanted to serve me court papers. They tried to get me to verify my personal information.. I did not. 
Anyway, I called both institutions and they said nope you do n't owe us and we have no records saying that we were taking legal action against you. 
So I called this number back and told that I contacted both institutions and I do n't owe them. So the lady on the phone says No this is actually for XXXX XXXX Loans. I said first you say XXXX Bank, then you say XXXX XXXX XXXX, NOW your saying a payday loan.. lol Nope I do n't owe you [ *** ] but if you call this number again you will hear from my lawyer. 
Secondly I typed this number into google search and nothing but complaints came up and an additional number from XXXX Colorado also appeared. I called that number ( THE XXXX NUMBER ) XXXX and it was the same person that called stating they were suing me.
Consumer complaint received 2015-11-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: KEYCORP (VT)

Keybank National Association has been accepting regular monthly payments from me for my account ; payments that I have full proof that I have made them. However, I just received a letter from Keybank stating that I must:1.payoff my loan has I have not made satisfactory payments2. they provided a phone number to call about this situation, that was simply an advertisement for a bogus vacation ( e.g., win a dumb vacaction ). Keybank phrased the advertisement as a " survey '' in which they would then connect you with the appropriate person after completing XXXX questions. You are then asked more than XXXX questions, and once you go through all of their prompts the phone just hangs up.
Consumer complaint received 2015-11-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (NC)

Drive Time is harassing me by phone. I have received XXXX phone calls in 30 days, from XXXX different numbers in NC, AZ, and GA. I have blocked the number in GA but they continue to call me daily. I have notified Drive Time that this number is blocked. 

When I do n't answer the GA phone number, they then call me from AZ or NC, or both. I have asked Drive Time to stop calling me daily. I have asked Drive Time not to contact me more than once per week, but they continue to call me daily. Yesterday I spoke to a Drive Time customer service agent at XXXX and they called me again at XXXX to discuss the same issue. Again, I asked them to stop calling me and the agent claimed they did not call me more than once, which is a LIE. 

I have asked Drive Time twice this week to stop calling me so often but they continue to call me daily. I also have cosigned on a loan for my sister who lives with me. They call her and when she does n't answer they then call me. Literally her phone rings, then my phone rings. They do n't leave her a message but will leave one on my phone. 

I have received nasty messages from several agents at the GA office and when I return their calls I am told they are out of the office or they are not working until later in the day, even though they just called a few minutes before and left a message. XXXX, XXXX, XXXX, XXXX ( or XXXX ), XXXX, XXXX are constantly calling me and leaving messages saying that it is urgent they speak to me immediately. When I do n't return their phone calls they then send me emails. 

I have received XXXX phone calls in 30 days. I have complained several times about rude agents and rude voice mails. I have complained about the number of phone calls. I have told Drive Time their amount of contact is harassing, and disruptive. I have asked Drive Time to stop contacting me daily, but the phone calls and emails continue.
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Optio Solutions, LLC (GA)

COmpany called me stating the lady was from XXXX, I made a payment to XXXX, only to find out the lady lied to me and is infact a debt collector from the company Qualia Collection Svcr. This lying is misleading and wrong. I spoke to XXXX directly to make the payment in the past, and not this company. Lying is not allowed
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (AL)

NCC Business Services XXXX has re-initiated trying to collect a debt I do not owe. During XXXX I provided response to their collection attempts, and ultimately provided evidence to the XXXX credit reporting agencies XXXX and all XXXX credit reporting agencies found in my favor and determined that the debt collection was not valid. Now NCC is again trying to collect this same debt, about 1 year after I 've already had the credit reporting agencies dismiss this as an invalid debt and a debt that I do not owe. The company has harassed me and called me repeatedly, and yesterday XX/XX/XXXX even called my place of employment. I called them back and explained never to call me and to not call my place of employment. The representative was extremely rude and I had difficulty getting them to stop talking so that I could explain that this debt has already been proven invalid but they threatened to report it to the credit agencies again. I asked if I needed to contact the original place that levied this claim and they said no and that it had been " turned over '' to them. I have already proved I do not owe this money and now they are starting to harass me all over again. I have mailed in my credit reports showing the dismissal of this claim of debt to NCC as of this Monday XXXX XXXX ) so I did provide them written notice that I disagree and that the debt is not valid. I explained all of this on the phone but the representative was loud, would not listen to me, and said that no matter what that I owed this money and that I did n't know what I was talking about. He even said that since I work for XXXX he would n't try to tell me how XXXX works and so I should not try to tell him how debt collection works. I told him that he was not listening and that I would have to go ahead and hang up the phone since he would not listen to any rational or reasonable explanation that I was providing.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Webcollex, LLC (MD)

I was contacted by CKS and they were attempting to collect a debt from XXXX XXXX. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know XXXX XXXX was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that XXXX XXXX was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt CKS would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with CKS Financial for debt collection. CKS seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe XXXX XXXX is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt CKS will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I submitted a complaint about bank of America on this web site in XXXX. My issues were that I was unhappy because they had done a modification on our mortgage in 2009 when we were having trouble through the recession. Instead of offering us a harp modification they extended our mortgage to 40 years so that the payments we slightly lower than before but now we were n't paying hardly anything to the principal but most of our payment went to interest. After I posted on this site back in XXXX, BOA was in contact with me and offered me another 40 year extension!!! This company robs people! We have called our attorney to see what we can do against this company and are going to refinance with a different bank as soon as possible.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Case number : XXXX am filing a complaint against Capital one. We have followed everything we were told to do. We reapplied for a modification and sent in the updated information as per their request. XXXX from Capital one was the representative who was handling the complaint. He is no longer with the company when we called to get the status and we were told to reapply. Now we are {$12000.00} in the rears, this is a disgrace and predatory lending and fraud. Capital one is deceptive, racist and misleading. They have put people in a foreclosed state. They play games with their modification and cause people to go into foreclosure. We are going to the press and to the US JUSTICE DEPARTMENT ABOUT THE POOR MISLEADING, DECEPTIVE BUSINESS PRACTICES OF CAPITAL ONE. WE ARE FILING SEVERAL FEDERAL AND STATE COMPLAINTS AGAINST CAPITAL ONE AND HOPE YOUR COMPANY WILL DO SOMETHING TO HELP US AS CONSUMERS. The last time, they claimed was because of a notary and now they have NO REASON because they no longer have that employee so they chose to let us fall between the cracks. We were told by a XXXX on XXXX/XXXX/15 at approximately XXXX XXXX to fax in XXXX of my XX/XX/XXXX stubbs to get the modification reopened. I am faxed the check stubs tonight per her request and plan to call a man she referred to as XXXX. When I called back that same night, I spoke to a representative who told me to talk to a XXXX who is our caseworker who is working on our case. These stories and characters change with each phone call to capital one. We made sure this was well documented to use in case we sue capital one. I sincerely hope you will make them review and approve this modification and stop playing games. Its a disgrace. President obama put guidelines in place to protect consumers against these predatory practices and deceptive business practices with these fraudulent banks. I am a former elected official and I am not going to tolerate these unethical, fraudulent and deceptive business practices of with Capital One. Enough is enough.
Consumer complaint received 2015-11-05
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: SUNTRUST BANKS, INC. (IA)

We have XXXX prepaid debit cards from Suntrust bank that had a beginning balance of {$25.00}. 

We were charged monthly inactivity fees for no activity after 4 months of not using the card, which violates our understanding of the CARD act, which only permits the charging of fees after 12 months of no activity. 

The terms and conditions of the Suntrust prepaid debit card are here : " Inactive Account Fee {$2.00} per month following 3 months of inactivity. Inactivity is defined as no transactions ( cash or purchases ) or account inquiries made on the Card account. " https : XXXX $ XXXX in activity fees $ XXXX in activity feesI 'm asking for Suntrust bank to be held accountable for violating the law on protections against fees within a 1 year period, and for a refund of these activity fees.
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND FUNDING via my account being sold to them by XXXX XXXX has been illegally charging me fees in excess of over {$2000.00} for a computer purchased in XXXX/XXXX/2006. The original amount owed : {$1200.00}, and the amount I have paid into the debt due to their illegal practices : {$2900.00}. The amount they have sent to the debt collection agency-MidlandFunding {$3500.00}. I have included copies of the paperwork that shows the double billing XXXX added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge amounts of additional finance charges ( not all the same amounts ), and sometimes XXXX in one month so that they could keep illegally charging additional fees to my account. This debt was paid and I want to file against XXXX and Midland Funding for their deceitful practices of double charging customers every month for over eight years. As you will determine from the paperwork proof I have provided, that this debt is invalid and XXXX should be fined for these practices. Midland Funding and XXXX claim they have been sending me bills to an address I have not occupied since 2006. I signed off on no new finance charges etc as they claim.
Consumer complaint received 2015-11-05
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK (CA)

Scottrade is good in that it offers good promotions. 2 months of free trading practically and a bonus once you bring in new money. I 've done several XXXX trades with Scottrade, and the executions seemed ok for the most part. Free trades are always good to have but yes they will eventually run out. 

The XXXX complaint I do have with Scottrade is that withdrawal limits are extremely low. First you have to transfer your funds from your brokerage account to your scottrade bank account, which takes a few seconds, so that 's not a big deal. But the limits are as follows to withdraw from your Scottrade bank account to your external bank account via ACH - $ XXXX max per day and $ XXXX max per rolling week and $ XXXX max per rolling month. So if you have a $ XXXX portfolio, for example, and want to extract your funds, you have to either get a check from them, or go to their office and get a wire transfer form. They may waive the fee for it, but your receiving institution will still charge a small fee perhaps. It 's just a hassle. I know XXXX and XXXX have very generous ACH external transfer limits. Scottrade, on the other hand, should learn from the big boys.
Consumer complaint received 2015-11-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Nissan Motor Acceptance Corp ( aka NMAC ) has incorrectly reported a 30 day late payment to the XXXX major credit reporting agencies purportedly for the Month of XXXX 2015. This 30 day late payment reflects on my credit report for the month of XXXX. In a conversation with NMAC Representative XXXX XXXX on Thursday XXXX XXXX, 2015, she referenced the account and acknowledged that NMAC records show that the XXXX 2015 payment was received 28 days past the due date on Friday XXXX XXXX, 2015 but did not credit the account until Monday XXXX XXXX, 2015. She further acknowledged a potential lag time as a result of NMAC 's then XXXX-party payment processing company XXXX, XXXX. In a letter from NMAC dated XXXX XXXX, 2015 they incorrectly make reference to the XXXX payment being received XXXX XXXX, 2015 ; Again, this is not accurate information - NMAC records show that payment was in fact received 28 days past the XXXX, 2015 due date on XXXX XXXX, 2015. This credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ).