davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal harassed my mother on her personal cell and at work, ( I did not have her listed as a relative of mine, nor did I supply her phone number ) and she received demerits for personal calls while at work. She explained to me that she got a call from them ; she thought it was about her account with them, and they asked her did she know me. She immediately replied that while she did know who I was, she did not have a relationship to me that would allow her to be privy to the information they were about to discuss. She hung up.I then called and I explained that I did not want my business discussed with any XXXX other than me. She then began getting calls everyday and she asked to be removed from their call lists about this issue. Then they began harassing her at work, using her personal extension. She again asked to be removed and then they called the main line and asked for her personally to talk about my account. That is when she began having issues at work from those calls. I then called and asked how Navy Federal got her contact information. I explained that I did not want my business discussed with any XXXX other than me.
Consumer complaint received 2015-10-09
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc. (CA)

This is the XXXX complaint filed about this company ( WINDHAM ) with the CFPB. They REPEATEDLY continue to re age this alleged debt that occurred in 2003, and harm my otherwise flawless credit standing. 

The XXXX previous complaints for your review:XXXXInstead for removing the fallacious tradeline, they CONTINUE TO REPORT DEROGATORY INFORMATION and are also reporting it DISPUTED. 
Please see proof from my XXXX XXXX and XXXX XXXX that the negative and RE AGED tradeline is still reporting as a NEGATIVE account.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I have received notice of debt owed by a company called Midland Credit Management in the amount of {$4600.00}, original creditor of XXXX XXXX. 6 months ago, as my health was fading I reached out to XXXX online in regards to me being XXXX XXXX XXXXXXXX and requesting hardship or help in some way. I was ignored and the debt was sold. In the terms of the card, it states there are remedies if you become XXXX but I guess it doesn't apply to Veterans. The balance just goes up and the debt is sold. Why was my request ignored and why does the balance continue to grow? This is shameful, I am a XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (DE)

On XX/XX/23 I purchased a vehicle that I finance through Westlake Financial. I placed {$10000.00} cash as a down payment and signed lending paperwork to payback the loan at {$830.00} starting XX/XX/23. I called Westlake Financial on XX/XX/23 to pay my loan payment and they said my account does not exist. The verification department stated that the loan was revoked as of XX/XX/23. I asked for documentation to support their claims and Westlake Financial 's Customer Service Department and Verification Department refused to furnish any information regarding the state of my loan account. I asked to speak with someone in management several times. I was declined, saying that if I don't have an open account, I can not speak with anyone. Westlake Financial also withheld my tags for over a month preventing me from working as my loan was for a work vehicle. I have missed out on over {$25000.00} worth of work because they refused to send me my temporary plates and registration unless I paid for it 2 times. The registration and tags were finally sent on XX/XX/23 after Westlake Financial charged me an additional {$150.00} for my registration and tags that I had previously paid. They are now trying to get me to finance the same vehicle that I have had a loan on for over a month, again at a higher finance charge and omit any payments I have already made, implyiong this is the only way I will get my account back.
Consumer complaint received 2015-12-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I bought a vehicle and the Santander Consumer usa is the leasing bank. I had several financial isssues and the vehicle was repoed, i paid XXXX in debt. But the day the vehicle was repoed they cause several damages to the door bumpers and the permanent damaged the battery. Till this day nothing has been done they aledge never recieved the papers but they did. I sent all papers numerous times and my vehicle continue to be damaged.also now the vehicle is facing reposation and nobody has helped me. I want to file a small claims suit but due to my budget i cant. Please help me im a veteran witha family that counts on me to get things done. Please help
Consumer complaint received 2015-03-31
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Peerless Credit Services Inc (PA)

I keep receiving calls from a debt collector, Peerless Credit, at my place of employment regarding a medical bill. I have repeatedly told them I can not receive personal calls at work, that my work number is for company business only, they continue to call my job and harrass me even though they have my personal cell number. I just received another call today XXXX/XXXX/2015 at XXXX XXXX from XXXX at Peerless Credit. I repeatedly told him do not call my work over and over again and I was filing a complaint..I repeated this until he finally hung up.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (WA)

I had a Wells Fargo credit card with a great Rewards Program. On XXXX XXXX, 2016 they sent me a letter, which I received on XXXX XXXX, 2016, saying I was overusing their rewards program- like making too many large purchases, and that if I did n't stop, they would close my account. I did stop immediately : I only made XXXX purchases after that, both for gas under {$20.00}. I could have withdrawn all my rewards in cash at that time, but I did n't, as I had been saving up for a trip for my family, and if I redeemed my rewards for travel, the points were worth XXXX % more. So I naively trusted their letter. On XXXX XXXX they sent me a follow up letter, forcing my account to be closed and seizing all of the value of all of the rewards that I had accrued, through purchases and through bonus sign-up offers. After I realized this, I called them on XXXX XXXX, from XXXX until XXXX, speaking with XXXX different people and many different departments. No one could help me get my money back. I never broke any terms or laws or rules. I complied with their terms to stop making large purchases on their card. In return they seized a cash value of {$1900.00}, or a value if redeemed for travel of {$2800.00}. This also adds a stain to my credit report.
Consumer complaint received 2016-05-09
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

I am filing a complaint against Santander Consumer USA due to these facts they report False information to the credit Bureau. First of all this car was obtained on XXXX XXXX 2014 with the payments being XXXX for 72 months with the payment due the XXXX of every month. And the first payment commencing on XXXX XXXX per XXXX request because they were having issues getting me set up on XXXX deposit and that was paid. on time. there was another payment that they received on the first but they did not cash until XX/XX/XXXX. They Reported that they were not paid XXXX From ABNB they received a check for XXXX which was false information I will attach copy of the check for the amount of XXXX that Santander Consumer USA cashed at XXXX XXXX Bank in Texas. Then they stated I made a payment in the amount of XXXX and it was a credit card charge back which was incorrect I sent them a cashiers check in the amount of XXXX and they cashed it XXXX XXXX. I will also send a copy of that check. for proof of that. There are XXXX credit bureaus and they have gave all XXXX conflicting information starting with XXXX they have it on my report as a repossession charge off for the amount of XXXX and stated that I never made a payment and I got the car XXXX 2014 and that it was taken in XX/XX/XXXX as a repossession. then they have it on my XXXX credit report that it was open XXXX XXXX, 2014 and they I only made 1 payment so it was a XXXX charge off paid in full. I will attach the title to my vehicle letting you know its not a repossession or a charge off. So then we did the figuring to this car loan with a high balance of XXXX and we subtracted the payoff amount that was quoted to XXXX on XXXX XXXX 2014 was XXXX and that brought the balance to {$440.00} then we subtracted the XXXX that they cashed XXXX XXXX which bought the balance to {$52.00} but they said I had and overage XXXX which I should have never received the overage because my balance was {$52.00} then But I was unaware of that. So If I owe Santander Consumer USA anything I owe them {$52.00} back because that check for XXXX was incorrect. I will attach documents to all information that I am stating. XXXX XXXX bought this car before XXXX XXXX because that would have been my next payment of XXXX but the Bank bought my car so they got the payout quote.
Consumer complaint received 2015-06-30
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX, 2015, I used my American Express Bluebird card with an available balance of {$950.00} at the grocery store. The card was run through the terminal XXXX ( at {$140.00} per transaction ) and were both declined. Cashier was able to handkey and the amount was approved. XXXX XXXX, 2015, contacted American Express Bluebird and was told that I will not be getting the money credited for XXXX days, and was told to contact the merchant. XXXX XXXX, 2015, contacted the merchant and they investigated the matter. They stated that the transaction was declined by American Express Bluebird for lack of available funds. I contact American Express Bluebird again, and was told that due to their " internal '' system update, they will not give me a credit for XXXX days. Their service agreement does state a hold on certain purchases for gas, hotel, rental cars and so forth. However, their service agreement does not mention decline payments and holding funds because of these declined transactions. I did indeed have the funds in my account, because when it was hand-keyed, it was approved. This is fraud. American Express Bluebird is now using the guise of declining payments to steal money from customers. {$280.00} may not be a lot to some people, but it can be life or death for others. When the system update was implemented, the consumer was not notified by either email, text, or notice on the website, mobile APP, or social media. A police report for fraud and theft is now being processed by the local police department. I 've read their service agreement and in no way is there a information on holding available funds in the event of a payment decline. The merchant was not at fault, and their terminal was working. According to this merchant, this is the XXXX customer complaint in one week they have received regarding American Express Bluebird.
Consumer complaint received 2016-11-01
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TRANSWORLD SYSTEMS INC (FL)

The constantly call me wanting me to pay over the phone, and want my personal information. When I tell them I will verify what they have the lady got really rude with me and told me they are going to sue me and garnish my wedges, but would not tell any thing else.Will not send me any papers in the mail like I have repeatedly asked. Constantly tell me that I need to pay.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to request that you remove the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

Last week, I contacted my mortgage servicer, Wells Fargo, to have the ach payment draft changed. After several unsuccessful attempts on-line, I called in. The associate I spoke to assured me she made the changes to the system, keeping my weekly ach payment intact, but removing the additional equity of {$70.00} per payment. She confirmed the next payment ach would occur on XX/XX/XXXX for {$430.00}. Today, the ach payment of {$500.00} was made ( the full amount with extra equity payment ) not once but twice. This has left my family in a financial crisis. I immediately called Wells Fargo and spoke to XXXX of XXXX, MD ( Operator XXXX ) and confirmed the previous customer service rep did not follow the correct procedure. He states the payments will be returned to me, however this will take 1-3 days of processing and then 1-3 days to show up in my account. I do not feel this is fair. The processing and waiting times have left me without any funds for the remainder of the week and I also need to cancel other payments. I do not even know what the overages and additional charges my bank may have from the result of this error. XXXX states I need to mail my statement once i have that information. They will take some time to review and determine if they can reimburse my fees. Again, I feel this extra encumbrance to the customer for what is clearly the company 's error is not acceptable. I am lodging an official compliant and request assistance in getting this matter resolved quickly.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Through the HSBC Bankruptcy Department I have been making mortgage payments since XXXX. I received a letter dated XXXX XXXX, XXXX from HSBC that the Life Insurance coverage for my mortgage has been terminated due to Past Due Insurance premium remittance. The optional life insurance premium is a part of my mortgage payment that I make monthly so how is this premium past due? I have been contacting them since XXXX XXXX to get some sort of resolve through the HFC Research department. They have sent to me useless and outdated information in the form of a history of my account, and in no way addressed this matter. I have no other recourse but to involve this agency to assist me in resolving this matter.
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I have been trying to get a short sale for over a year from Wells Fargo NA. I submitted several short sale offers but they got rejected because the bank stated that I had a surplus but they never included my partial claim from HUD that totaled XXXX when reviewing my account. I also received letters that stated I did n't meet the terms of the Approval to Participate, but I never received any letters regarding this. I finally was able to speak to someone that could answer my question of why was n't my partial claim being included in my payoff statement. He admitted that the partial claim from HUD was not included in the payoff statements mailed out to me or when reviewed for a short sale. Due to this major oversight by the bank I am now in active foreclosure and have a declining credit score.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MI)

I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over XXXX years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.
Consumer complaint received 2016-12-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received an phone call regarding this debt that was 5 years old this account was open with out my acknowledgment this company have been harassing my call many times and some time for an different phone number I told them this account was not step up by me so I 'm not responsible for this.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I was younger, back in college, I experienced a major setback when my bank account was compromised. Unfortunately, the situation spiraled, and I ended up unable to open another bank account. This has limited me significantly, especially now that Im running my XXXX XXXX. Not having a bank account means I cant apply for loans or access other financial services that could help my business grow. Its been a challenging hurdle to overcome, and Id love to find a way to open an account so I can finally access the resources that would make a difference for my shop.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Bayview Loan Servicing , LLC ( Bayview ) is my purported mortgagee. They initiated foreclosure proceedings on my home in Texas XX/XX/2016 without first providing a default notice and opportunity to cure as required by the Texas Property Code and Deed of Trust. I was not in default when the foreclosure was commenced. I filed a lawsuit to get the foreclosure restrained, and the judge granted my request for a TRO. Before the foreclosure, Bayview did not comply with 12 CFR 1024.39 ( a ), which requires a servicer to establish contact with a delinquent borrower not later than the 36th day after the delinquency. Bayview never called me. Not later than the 45th day, a servicer has to provide a delinquent borrower with a written notice as set out in 12 CFR 1024.39 ( b ) ( 1 ). Bayview did not do this either. Bayview has also violated the continuity of contacts requirements of 12 CFR 1024.40. Furthermore, pursuant to 12 CFR 1024.41 ( f ) ( 1 ), a servicer shall not make the first notice or filing required for foreclosure unless the borrower 's mortgage loan obligation is more than 120 days delinquent. If Bayview has not even complied with the above rules regarding initial contact and loss mitigation, then certainly they should not be trying to foreclose. Bayview is totally ignoring my contract rights and RESPA, and they are going to try to foreclose on me again soon.
Consumer complaint received 2016-07-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called XXXX XXXX XXXX had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an HSBC account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a HSBC credit card account. XXXX reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX HSBC as their company name, while the company name on the trade line with XXXX states the company name as XXXX XXXX XXXX.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XXXX : XXXX XXXX XXXX I would like you to clearly establish our alleged relationship as the new servicing company. 
Requesting : Assignment of Mortgage, Rents Agreement of relationship with beneficiary Confirm foreclosure has been cancelled due to inaccurate accounting - XXXX payments have not been applied Confirm the Original Note is available to view, you have seen, and confirmed trustee has also seen