davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

I disputed XXXX ProCollect accounts in my credit file with the CRA. Procollect inturn sent was they considered " validation of the debt '' to me via mail. First, I never received anything regarding this debt before discovering it in my credit report in XXXX 2015. Secondly, when I attempted contact the original creditor, I find that they are no longer in business. So, when I received the " validation '' from Procollect, it showed me nothing! I have attached scanned copies of the attachment that procollect sent me as validation of the debts appearing in my credit file for {$600.00}, {$620.00} and {$620.00}. This does not constitute sufficient validation of the debt. This is something that I could have typed up myself. Surely this is not what they send others who are requesting debt validation. And sadly, this was what the CRA used to place this debt in my credit file. I emailed procollect informing them that this was not sufficient and they would have to supply the proper validation according to the laws in the state of Texas and I expected these accounts to be removed from my account. The 30 day period has expired.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I started experiencing some difficulties using my Chase United Mileage Plus credit card. I called Chase and the response was that their affiliates decided to end relationships with me. This happened to be years ago with my chase checking and savings account. While on vacation my cards no longer worked and when I called chase, I received this very same response. This time I 'm furious. I was approved for a credit card through Chase, thinking whatever mistake they 've made in the past was just a mistake. Excited about using Chase again, I 've spent XXXX of dollars using my new credit card, I 've spent money for the benefit of obtaining extra bonus miles, now my account is closed without being notified, and my mileage is no where to be found. Please help me understand what 's going on.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

My husband and I own a small business that is incorporated. XXXX XXXX XXXX XXXX offered us a new processor, better rates, no application, monthly or annual fees. After making the offer and agreeing to that arrangement they needed my personal information instead of the Corporation 's. All that was fraud, XXXX months later charges started coming in. We cancelled the service and had to change the Corporation 's bank account. Many months of them harassing us they turn it into collections. But they reported it on my personal credit reports. This is not a personal issue and now my report is tarnished.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

When you think of danger and consumer XXXX - the CHAIRMAN OF USSA BANK AND ALL AND I MEAN ALL OF ITS PRODUCTS are not the top of the list, but the very top of the list. Federal Trade commission is still a little blind to this, I do not know if there is something going on under the table with this company cause I know thousands and thousands of people who have had similar issues like me. CEO XXXX my life, destroyed it, he lied and LAUIGHED VERY HARD over the phone telling me he enjoyed keeping and taking my money. All my bills paid on time, all insurance issues, I did reports and police reports and all. USAA BANK illegally closed bank account and kept money and they have not complied with the law and I can prove it this is XXXX of over 75 legal issues I have I want justice and regulators get on the ball with this company and fire CHAIRMAN, ceo XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX needs be put in jail for fraud.
Consumer complaint received 2015-11-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NJ)

I live in XXXX. .On XXXX XXXX 2015 I visited my grandmother in XXXX. I opened a checking account at TD Bank to deposit a gift she gave me. I received a debit XXXX card as well. It was activated on the spot. I put the card in my wallet, returned home to XXXX, put the card in a drawer and never used it. I returned to XXXX yesterday ( XXXX XXXX ) and opened the bank statements that were waiting for me. Someone had gotten into the account and/or stolen the debit card number and made many small purchases ( the largest was about {$440.00} ) from XXXX XXXX until XXXX XXXX. When the balance in the account reached {$280.00} they stopped using the card. I immediately took the statements and went to the bank. I canceled the card and closed the account. The bank refused to help. They said that before they could investigate they would need a police report. However, they also said that since 45 days had past since the theft, I was over the permitted time limit and it was no longer their responsibility. I filed a police report immediately. It will be ready in about 10 days. I also filed an affidavit with the FTC. I called XXXX and they explained that the 60 day limit only applied to card theft - the card was not stolen and therefore there should be no limitation to the bank 's responsibility. I called FTC again and they referred me to you. 
Please note that I live overseas and would prefer to communicate by email only. Any regular postal mail sent to XXXX XXXX XXXX would require the involvement of my XXXX year old grandmother and I would prefer to deal with this issue myself. Thank you. XXXX XXXX
Consumer complaint received 2016-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (IN)

I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Consumer complaint received 2016-10-20
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (RI)

On XXXX XXXX, 2016, I made a mistake by transferring {$100.00} from my checking account to my savings with TD Bank but what I was trying to do was to transfer {$100.00} to my checking from my savings account. I saw that mistake and fix it, two days later I saw that the transfer did n't go trough and I tried again and moved another {$100.00} from my savings to my checking account. I called the bank 's customer service to fix this problem and what I was told that there is nothing I can do or they can do because my mistake and now {$200.00} are gone from my accounts without making a purchase or without withdrawn the money from my it. I try to explain the situation but is that there is not help and that money went free to the bank, and I 'm now screwed out of {$200.00}, and the bank just made that profit.
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services (GA)

Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of XXXX XXXX Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.
Consumer complaint received 2016-06-29
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (NY)

I was applying for a {$500000.00} HELOC on an investment property with TD Bank. I was conditionally approved based on the information I provided on the application pending review of the docs. 
They came back with a counter offer of {$25000.00}, saying that they have to keep the DTI below 43 % according to the banks guide lines. 
I 'm well below 43 % and certainly meet to banks guidelines, and I provided the additional proof they had requested for some of the income that was n't considered - after providing all docs trying to prove that I 'm far below 43 % DTI - they denied the application all together because my rents are being paid, and my mortgages paid using a 3rd party - they were clearly aware that the rental income will be filed under my personal tax return ( they asked for clarification ) since these properties are all being owned and financed personally.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Integrated Recovery Services (UT)

I received a call from this company that left me a voicemail on XXXX/XXXX/2015 stating that they needed to verify my address to be served official court documents. I called the company back at XXXX, spoke with XXXX asked him to send me documentation thru the mail and cease contact until I have had a chance to dispute the account he told me that it does not work that way and that I will continue receiving calls thru the automated dialer until my account was paid. I requested his company info and he would not release that information to me and continued to harass me stating that I need to pay the bill and that they did n't have to send verification and he hung up on me once the conversation got heated. 
XXXX/XXXX/2015 @ XXXX received another voicemail from the auto dialer called the office again spoke with XXXX XXXX requesting my number be removed from the account he transferred me XXXX time and both time I was hung up on, called back a XXXX XXXX time spoke with XXXX XXXX he explained that they sent documentation the XX/XX/XXXX I told him I have not received anything and he needed to send it out again for me to dispute he then stated that I was just using a delay tactic and need to pay the bill I again asked that he no longer contact me and that I was filing a complaint he hung up on me again.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

was offered to switch out of my current lease early to a new lease for a XXXX XXXX. after negotiations I have chosen to proceed with that. The dealership took over my previous car and gave me a new car per contract. The dealership was suppose to payoff my previous lease. In addition, there was a missing part, a home charger, which was missing from a new car. what was offered was to keep my existing charger and they would order a new one, or to just keep my old one for the duration of the new lease as it serves the same purposes and has no difference from the new to the old car. First, month and a half after the transaction, my wife started to receive collection calls from Nissan as the lease payment was not done. The callers were rude, unyielding and not understanding of the situation. After contacting the dealership, it turned out that they neglected to process the return and failed to notify Nissan of the transaction. It took numerous calls, horrific conversation until the dealership finally paid off their obligation and the calls stopped. Now, in later XXXX a new letter arrived which stated that the lease return had an outstanding balance, which was incorrect as the dealership was taking over everything and bought out the lease. after contacting the dealership and expressing this concern, I was assured that this was going to be taking cared off. The reason why there was a balance was due to the vehicle being returned off of lease with no charger. This again was a problem as I was never given one and again was told by the dealership as there was a missing charger, to keep the one I had before. Again, the dealership failed to notify Nissan of this issue. At the same time, I contacted Nissan and expressed my frustration with this issue and described the issue to them, during which time I also filed a complaint against a dealership. Now my wife is receiving harassing phone calls at work saying this issue with the balance has been sent to collections, being rude and completely unapologetic, not caring of the issue and threatening. This is completely wrong, this is fraud and negligent. The public needs to know the hazards that this presents in doing business with Nissan and this dealership. They should not be able to operate in this misrepresenting manner to deceive the public and then collude to through them into this spiral of collections and proving their right.
Consumer complaint received 2016-04-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (TX)

We paid the last payment ( XXXX/XXXX/XXXX ) on our Hyundai Finance Account for our XXXX Elantra. We have made at least 3 calls to find out where our title ( lien release ) is. The customer service person said they sent it to our old address, which has been off our billing paperwork since XX/XX/XXXX. I asked Hyundai to re-mail the paperwork to the correct address. ( which I gave them ) I am still waiting for my lien release and our overpayment taken from our bank account.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I contacted Portfolio Recovery on XX/XX/2019 about an account that was deleted by XXXX  XXXX two years ago. I made a payment and on a recorded call, the female representative stated the account would be deleted from my credit report. I checked my credit report today after I disputed the account, and it has not been deleted. I am filing an attorney general complaint, and contacting my attorney to sue Portfolio if the account is not deleted. I recorded the call and portfolio recovery recorded the call as well, so theres no denying she agreed to delete the account after i made a payment.
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (SC)

I leased a car for almost 4 years through Hyundai Motor Finance. 100 % perfect, on time and slightly overpayments ( I round up to the next dollar ) each month. I purchased a new car XXXX months prior to my lease end and the new car company gave me the funds to payoff my lease. I turn in the lease XXXX months in advance in XX/XX/XXXX.. I walk into XXXX to return the lease, speak to the receptionist briefly, a representative comes out takes the keys and says, " thank you, we 'll bill you. '' I 'm like, that 's it? And that was it. I 'm an online bill payer so I 'm checking my online account and it took a couple of weeks maybe for it to update to " this car has been returned. '' About 2 weeks go by and I begin checking my online account every few days or so maybe every week or 2. No bill. No bill in the mail, no amount due showing online just, " this car has been returned. Months go by and still no bill. I do n't even know who to call and check. The next thing I know, It 's been reported to my credit as delinquent. Late fees, bogus charges. My score dropped over XXXX points and all the while the funds to pay this bill, sat in an account, untouched, awaiting a bill I was promised and never received, and from my understanding was Never sent. After almost 4 years of perfect payment history, it was overly depleted in negative reporting in a matter of XXXX months and for absolutely no reason or explanation. According to a representative of Hyundai Motor Finance, the first notice following the return of my lease was sent on XX/XX/XXXX. I spent 40 minutes on the phone ( much of which was on hold ) while this representative, XXXX his heart, was struggling to understand what happened exactly. I 'm still waiting on answers, I need answers, my credit score is in ruins, and I XXXX this endeavor is successful in seeing that this injustice is made right and wiped clean.
Consumer complaint received 2016-09-17
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (TX)

I received a netSpend gift card for my birthday from my sister. When attempting to activate this card it asked for several pieces of personal information including my social security card. 

I have received other gift cards that did not require any personal information at all to activate it. I called an inquired why this is, they did not offer a reasonable explanation except to say it was for my security. If that was true they would not ask. Each time you give someone your social security number out increases the chances you will become a victim of credit fraud. 

I had no idea how much was on the card ( it was a gift ) apparently just asking for the balance costs XXXX cents each time you ask. So when I asked it had a balance of {$24.00}. 

Each time the card is used there is a fee charged. {$1.00} to run as debit and {$2.00} to run as credit for each transaction. 

This company is unscrupulous in their business practices and I have to wonder how they are able to do business in this country. To anyone who reads this I would not use this company for anything!!!
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (AP)

First I am a retired XXXX XXXX XXXX, I am a XXXX. I have worked XXXX government. Currently I am at XXXX.My wife and I bought a XXXX financed through GM Financial.. In XXXX we requested a release letter to ship our car to XXXX. We have another car that we shipped, financed by XXXX. We shipped this car. GM refused to give us clearance authorization to ship XXXX out of country even though we have afull coverage.insurance through XXXX. GM denied our request. Currently our XXXX is in our garage at our house in XXXX. I have tried many times to get them to authorize shipping car. e are in good standing with payments, we are ahead in payments auto bank draft. Please help
Consumer complaint received 2016-09-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

For approximately the last 5 years, Ocwen Mortgage Servicing has been making accounting and payment errors that have resulted in overpayments, overcharges, incorrect payments, and most recently a loss of coverage for my primary residence. I have XXXX accounts with Ocwen, and both accounts have been transposed, and misappropriated in the last 5 years. I have spent numerous hours trying to explain the errors. In XXXX case, it took two years before they admitted that they were overbilling me. Most recently, I spoke to a representative and explained that they did not make the premium payment for my primary residence policy and my coverage was cancelled as a result. The representative stated that she would correct the problem. I stated that I want to request termination of my escrow account due to the constant ineptitude and incompetence I have been experience over the last 5 years. I was given the contact information to start that process. I also stated that I should not be liable for any fees associated with the reinstatement of my account because I paid the escrow and it was Ocwen 's error and not mine. As of today, the situation has not been resolved. I fail to believe that a company that size can be so grossly incompetent, but I do believe that it has been a system of using incompetence as cover-up for manipulating funds so that Ocwen has more funds to receive interest from at the expense of it 's customers.This complaint is just another part of the struggle I am experiencing in my efforts to hold Ocwen responsible for their actions and handle the escrow payments myself.
Consumer complaint received 2015-11-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (TX)

On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Apparently since XXXX, 2012, Wells Fargo was charging {$10.00} for a service I neither used nor authorized. I spoke to Wells Fargo who confirmed this service was never used. They offered to reimburse {$30.00} to resolve this. I did not accept. Other than say to me that I " enrolled in 2012 '', there is no other corroborating information to this effect. I was told the " Direct Pay Monthly Base '' service for which I was charged {$10.00} per month since 2012 was to pay employees. I do not employ employees. The account was set up to receive payments from entities for which I provided services to. They paid me. Not the other way around ...