| 03/17/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
HARLEY DAVIDSON CREDIT XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX, I notified Harley Davidson that they are continuing to report false information to the CRA 's because Harley Davidson is reporting I owe the entire amount of the motorcycle even though I surrendered the motorcycle, and Harley Davidson in reporting I made a payment XX/XX/XXXX during the period when I was in a confirmed XXXX XXXX case under an automatic stay and would have NEVER made a payment directly to a creditor when I was in XXXX XXXX. Harley Davidson is reporting to the CRA 's that I have a deficiency which is false because under the law I must be notified in writing of a pre/post repossession/surrender notice when the company intends to sell the motorcycle at auction. To date I never received any notices or accounting of the sale which is a violation of the law ; XXXX XXXX - Notice of intent to dispose of repossessed or surrendered motor vehicle ( a ) Except where the motor vehicle has been seized as described in paragraph ( XXXX ) of subdivision ( b ) of Section XXXX, any provision in any conditional sale contract for the sale of a motor vehicle to the contrary notwithstanding, at least 15 days ' written notice of intent to dispose of a repossessed or surrendered motor vehicle shall be given to all persons liable on the contract. The notice shall be personally served or shall be sent by certified mail, return receipt requested, or first-class mail, postage prepaid, directed to the last known address of the persons liable on the contract. If those persons are married to each other, and, according to the most recent records of the seller or holder of the contract, reside at the same address, XXXX notice addressed to both persons at that address is sufficient. Except as otherwise provided in Section XXXX, those persons shall be liable for any deficiency after disposition of the repossessed or surrendered motor vehicle only if the notice prescribed by this section is given within 60 days of repossession or surrender and does all of the following : ( XXXX ) Sets forth that those persons shall have a right to redeem the motor vehicle by paying in full the indebtedness evidenced by the contract until the expiration of 15 days from the date of giving or mailing the notice and provides an itemization of the contract balance and of any delinquency, collection or repossession costs and fees and sets forth the computation or estimate of the amount of any credit for unearned finance charges or canceled insurance as of the date of the notice.
( XXXX ) XXXX either that there is a conditional right to reinstate the contract until the expiration of 15 days from the date of giving or mailing the notice and all the conditions precedent thereto or that there is no right of reinstatement and provides a statement of reasons therefor.
( XXXX ) XXXX that, upon written request, the seller or holder shall extend for an additional 10 days the redemption period or, if entitled to the conditional right of reinstatement, both the redemption and reinstatement periods. The seller or holder shall provide the proper form for applying for the extensions with the substance of the form being limited to the extension request, spaces for the requesting party to sign and date the form, and instructions that it must be personally served or sent by certified or registered mail, return receipt requested, to a person or office and address designated by the seller or holder and received before the expiration of the initial redemption and reinstatement periods.
( XXXX ) Discloses the place at which the motor vehicle will be returned to those persons upon redemption or reinstatement.
( XXXX ) Designates the name and address of the person or office to whom payment shall be made.
( XXXX ) XXXX the seller 's or holder 's intent to dispose of the motor vehicle upon the expiration of 15 days from the date of giving or mailing the notice, or if by mail and either the place of deposit in the mail or the place of address is outside of this state, the period shall be 20 days instead of 15 days, and further, that upon written request to extend the redemption period and any applicable reinstatement period for 10 days, the seller or holder shall without further notice extend the period accordingly.
( XXXX ) Informs those persons that upon written request, the seller or holder will furnish a written accounting regarding the disposition of the motor vehicle as provided for in subdivision ( b ). The seller or holder shall advise them that this request must be personally served or sent first-class mail, postage prepaid, or certified mail, return receipt requested, to a person or office and address designated by the seller or holder.
( XXXX ) Includes notice, in at least XXXX bold type if the notice is printed, reading as follows : " NOTICE. YOU XXXX BE SUBJECT TO SUIT AND LIABILITY IF THE AMOUNT OBTAINED UPON DISPOSITION OF THE VEHICLE IS INSUFFICIENT TO PAY THE CONTRACT BALANCE AND ANY OTHER AMOUNTS DUE. '' ( XXXX ) Informs those persons that upon the disposition of the motor vehicle, they will be liable for the deficiency balance plus interest at the contract rate, or at the legal rate of interest pursuant to Section XXXX if there is no contract rate of interest, from the date of disposition of the motor vehicle to the date of entry of judgment.
The notice prescribed by this section shall not affect the discretion of the court to strike out an unconscionable interest rate in the contract for which the notice is required, nor affect the court in its determination of whether the rate is unconscionable.
( b ) Unless automatically provided to the buyer within 45 days after the disposition of the motor vehicle, the seller or holder shall provide to any person liable on the contract within 45 days after their written request, if the request is made within XXXX year after the disposition, a written accounting regarding the disposition. The accounting shall itemize : ( XXXX ) The gross proceeds of the disposition.
( XXXX ) The reasonable and necessary expenses incurred for retaking, holding, preparing for and conducting the sale and to the extent provided for in the agreement and not prohibited by law, reasonable attorney fees and legal expenses incurred by the seller or holder in retaking the motor vehicle from any person not a party to the contract.
( XXXX ) The satisfaction of indebtedness secured by any subordinate XXXX or encumbrance on the motor vehicle if written notification of demand therefor is received before distribution of the proceeds is completed. If requested by the seller or holder, the holder of a subordinate XXXX or encumbrance must seasonably furnish reasonable proof of its interest, and unless it does so, the seller or holder need not comply with its demand.
( c ) In all sales which result in a surplus, the seller or holder shall furnish an accounting as provided in subdivision ( b ) whether or not requested by the buyer. Any surplus shall be returned to the buyer within 45 days after the sale is conducted.
( d ) This section does not apply to a loan made by a lender licensed under Division XXXX ( commencing with Section XXXX ) of the XXXX XXXX.
Ca. XXXX. XXXX XXXX XXXX by Stats XXXX ch XXXX ( AB XXXX ), XXXX XXXX, eff. XX/XX/XXXX.
BOTTOM LINE, I am not liable for this deficiency
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| 05/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Missouri Lemon Law If you've just gone into debt for a brand new set of wheels, it can be frustrating to discover that your new car has some serious problems. Fortunately, the Missouri New Vehicles Warranty Law can help. Also known as the " lemon law '', this statute protects drivers by forcing manufacturers to honor a vehicle 's express warranty.
Basically, the lemon law requires vehicle manufacturers to replace or refund your defective vehicle after a reasonable number of failed attempts have been made to fix the problem.
The Missouri lemon law covers purchased and lease-purchased vehicles that are under the manufacturer 's new vehicle warranty.
The following vehicles are not protected by the MO lemon law : Commercial vehicles.
Off-road vehicles.
Mopeds.
Motorcycles.
The living quarters of motorhomes and recreational vehicles.
To qualify for protection under the Missouri New Vehicles Warranty Law, your vehicle must have been out of service for 30 business days or more, or has had 4 attempts or more to repair the vehicle. If your complaint is found to be valid, you will be entitled to either a replacement vehicle or a refund of the vehicle 's purchase price.
On XX/XX/XXXX while browsing the motorcycle dealership I was pressured, and deceived into buying a XXXX XXXX XXXX XXXX. It was the middle of winter, XXXX desperately wanted to sell a bike, and lied to me during which time about several important factors that lead to my decision to back away from the purchase. First of all, my cousin had just died, I have a fear of airplanes, and motorcycles, so in attempt to overcome obstacles I decided to learn to ride. Never got a chance to because I was so upset over this purchase. The dealer started by telling me I could change the front foot controls, to mid controls. After putting down a deposit, and leaving a post dated check I learned this was untrue, you can only put mids on the XXXX XXXX edition, and I just happened to purchase the XXXX edition. This created a concern of keeping the bike stable, and balanced while riding because I have a damaged right leg due to the result of XXXXXXXX XXXX into my XXXX XXXX XXXX while driving in XXXX County prior to this purchase. Further more, the finance manager was rude, and I complained about him seeming XXXX. They changed the person I was working with to a lady, who then unlawfully added the price of add on equipment into the bike which actually should have been paid for in cash in attempt to get more loan money from the lender. This caused me additional interest that could have been prevented if the dealership was not using deceitful tactics. I removed the funds from my bank, because I gave them about {$400.00} in cash, and a {$2800.00} check that I did not want to go through after they refused to refund my cash over the lies they told to sell the bike. They then used the XXXX district attorney office to threaten me into paying, at the time I did not realize my consumer rights were being violated due to morning the death of a family member, I came in cursing, and paid. Your officers may remember getting called upstairs about me, if you review the letter that was sent out from bad checks. The check was not bad, as you see I had all the cash that I paid at the district attorney office by reviewing your records. They used you to force me into a purchase made under duress using deception, and fraud while XXXX discriminating against me. You should also be advised the bike never started before, during, or after the purchase. I never heard the motorcycle cut on, it was a rushed process I was tricked into. They told me a new battery would be put in, before sending me upstairs to look for other items because this vehicle was on the showroom sells floor and would not fully cut on, only the lights would turn on. When parts told me that the salesman gave me the wrong information I got upset which started the chain of events causing me to not want to finish the purchase, until your office sent a letter threatening me of a felony if I didn't follow through on a bad deal after being discriminated against. They had trucks outside in the parking lot with confederate flags that belonged to the employees. To make things worst after I tried backing out, but they would not allow me, the general manager signed a paper stating he would buy the bike back if I didn't drop it. The bike didn't run to be dropped, I called the buy back manager before the date of XX/XX/XXXX, and only kept getting told he was out in the warehouse, would call back later. When I did reach XXXX XXXX he told me he would look into the matter, but never followed back up, ignoring all calls, voicemails afterwards trying to not take the bike back at the price promised by the date. Which now has lead to them trying to buy bike for cheaper amount even through motorcycle has never been rode. The miles on the paperwork did not match mileage on bike, dealer attempted to type lower amount on title then what they delivered it with which is tampering with odometer. After dealer forced me into purchase I was so angry I didn't go back to location, because I was afraid XXXX PD would be called if I started disturbing the peace, so I called telling them to deliver what I paid for. When they did bring the bike it did not have oil, and it did not start. I have XXXX, I was so stressed out, I got XXXX, and just left it parked in my daughters, mothers garage because I had no clue what else to do. I made 2 payments because I was worried about my credit, tried calling HDFS to explain the situation, they never followed back up so I ceased payments. After telling the financial company my concerns about the bike being tampered with, delivered damaged ( non-running ), and the deception their response was to sell the account off to XXXX XXXX XXXX who should be called Con artists for attempting to illegally collect an invalid debt that should've been voided in the first place if it wasn't for the XXXX check department forcing me to pay after I was lied to which is not right! The financial company tried selling me the bike outright since I complained about the purchase for {$9700.00}, when I told them I wanted a refund, and would pursue legal options the collection company is now harassing me for {$11000.00} for something that would be paid for if deception and fraud was not used to sell the motorcycle. Under Missouri Lemon Law it is unlawful to sell a brand new vehicle that is defective! The battery still does not work, and the bike has never had oil. I could not voice my frustrations because of the situation with the check department I didn't know what action to take, but now Im demanding arbitration, or a lawsuit in federal district court.
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| 05/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX while browsing the motorcycle dealership I was pressured, and deceived into buying a XXXX XXXX XXXX XXXX. It was the middle of winter, XXXX desperately wanted to sell a bike, and lied to me during which time about several important factors that lead to my decision to back away from the purchase. First of all, my cousin had just died, I have a fear of airplanes, and motorcycles, so in attempt to overcome obstacles I decided to learn to ride. Never got a chance to because I was so upset over this purchase. The dealer started by telling me I could change the front foot controls, to mid controls. After putting down a deposit, and leaving a post dated check I learned this was untrue, you can only put mids on the XXXX XXXX edition, and I just happened to purchase the XXXX edition. This created a concern of keeping the bike stable, and balanced while riding because I have a damaged XXXX XXXX due to the result of XXXX XXXX into my XXXX XXXX XXXX while driving in XXXX County prior to this purchase. Further more, the finance manager was rude, and I complained about him seeming racist. They changed the person I was working with to a lady, who then unlawfully added the price of add on equipment into the bike which actually should have been paid for in cash in attempt to get more loan money from the lender. This caused me additional interest that could have been prevented if the dealership was not using deceitful tactics. I removed the funds from my bank, because I gave them about {$400.00} in cash, and a {$2800.00} check that I did not want to go through after they refused to refund my cash over the lies they told to sell the bike. They then used the XXXX district attorney office to threaten me into paying, at the time I did not realize my consumer rights were being violated due to morning the death of a family member, I came in cursing, and paid. Your officers may remember getting called upstairs about me, if you review the letter that was sent out from bad checks. The check was not bad, as you see I had all the cash that I paid at the district attorney office by reviewing your records. They used you to force me into a purchase made under duress using deception, and fraud while racially discriminating against me.
You should also be advised the bike never started before, during, or after the purchase. I never heard the motorcycle cut on, it was a rushed process I was tricked into. They told me a new battery would be put in, before sending me upstairs to look for other items because this vehicle was on the showroom sells floor and would not fully cut on, only the lights would turn on. When parts told me that the salesman gave me the wrong information I got upset which started the chain of events causing me to not want to finish the purchase, until your office sent a letter threatening me of a felony if I didn't follow through on a bad deal after being discriminated against. They had trucks outside in the parking lot with confederate flags that belonged to the employees. To make things worst after I tried backing out, but they would not allow me, the general manager signed a paper stating he would buy the bike back if I didn't drop it. The bike didn't run to be dropped, I called the buy back manager before the date of XX/XX/XXXX, and only kept getting told he was out in the warehouse, would call back later. When I did reach XXXX XXXX he told me he would look into the matter, but never followed back up, ignoring all calls, voicemails afterwards trying to not take the bike back at the price promised by the date. Which now has lead to them trying to buy bike for cheaper amount even through motorcycle has never been rode. The miles on the paperwork did not match mileage on bike, dealer attempted to type lower amount on title then what they delivered it with which is tampering with odometer.
After dealer forced me into purchase I was so angry I didn't go back to location, because I was afraid XXXX PD would be called if I started disturbing the peace, so I called telling them to deliver what I paid for. When they did bring the bike it did not have oil, and it did not start. I have XXXX, I was so stressed out, I got depressed, and just left it parked in my daughters, mothers garage because I had no clue what else to do. I made 2 payments because I was worried about my credit, tried calling HDFS to explain the situation, they never followed back up so I ceased payments. After telling the financial company my concerns about the bike being tampered with, delivered damaged ( non-running ), and the deception their response was to sell the account off to XXXX XXXX XXXXXXXX who should be called Con artists for attempting to illegally collect an invalid debt that should've been voided in the first place if it wasn't for the JoCo check department forcing me to pay after I was lied to which is not right! The financial company tried selling me the bike outright since I complained about the purchase for {$9700.00}, when I told them I wanted a refund, and would pursue legal options the collection company is now harassing me for {$11000.00} for something that would be paid for if deception and fraud was not used to sell the motorcycle. Under Missouri Lemon Law it is unlawful to sell a brand new vehicle that is defective! The battery still does not work, and the bike has never had oil. I could not voice my frustrations because of the situation with the check department I didn't know what action to take, but now Im demanding arbitration, or a lawsuit in federal district court.
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| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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On XX/XX/XXXX I had a motorcycle accident and attempted to transport the motorcycle on my own using my dad 's truck. After multiple attempts of trying to lift the motorcycle onto our truck, we were unsuccessful and allowed the motorocycle to be towed. on XX/XX/XXXX my wife called the tow yard to follow up on how to proceed with the insurance contacting the tow yard for pick up and transport of the motorcycle to a XXXX XXXX dealer for repairs. This information was then given to our insurance company, XXXX, on XX/XX/XXXX when filing the accident claim. On XX/XX/XXXX we received a letter from the tow yard that they will be selling the motorocycle on XX/XX/XXXX if not picked up in a timely manner. On XX/XX/XXXX I contacted statefarm and they stated they were processing the pick up from the tow yard. On XX/XX/XXXX we received a call from statefarm that they were not able to locate the motorcycle because they did not have the information for the tow yard some how so, on this day, my wife attempted to log on to our online account for harley davidson financial to make our payment as it was due on the XXXX of each month. When she clicked to login, it said we had to call as our online account was not available. due to it being after hours, my wife called on XX/XX/XXXX to make the payment and was then told the department we needed to talk to was closed as it was XXXX XXXX and the dept closes at XXXX XXXX. my wife called again on the following monday XX/XX/XXXX through XX/XX/XXXX attempting to make a payment and kept getting the run around and was then told on XX/XX/XXXX that we needed to speak to the collections department for the payment. my wife inquired why the collections department if we were only now, 6 days post the payment date and have been trying for 1 week to make a payment. a third person then came onto the call and inquired about the accident and if we had the motorcycle and we advised we did not and that statefarm was pending pick up of the motorcycle. we were then provided a phone number and extension to give to statefarm so that statefarm could contact harley davidson regarding the motorcycle. my wife attempted to make a payment for XX/XX/XXXX for over 3 weeks at which time we were told on or around XX/XX/XXXX by our XXXX XXXX XXXX that harley davidson had actually picked up the motorcycle from the tow yard and " repossessed '' it despite us trying to make a payment since XX/XX/XXXX. harley financial not once tried to contact us prior to picking up the motorcycle and due to this being our first accident, we were unaware that the insurance company would not relay the accident to the lien holder. we were not default on our payments for it to be repossessed. on multiple occassions my wife has called harley financial to request my credit report be fixed as we were not notified in a proper and timely manner regarding the repossession and were not notified on how we wanted to proceed. the motorcycle was picked up and taken to an auction yard in XXXX XXXX, ca and was then held there and sold on XX/XX/XXXX from my recollection. harley financial had not sent me any documents regarding any of this despite our multiple calls and complaints and were told this could only be fixed by us paying the loan off. According to harley financial services, they claim an agent contacted me prior to repossessing the motorcycle from the tow yard and that they left a voicemail on my cell phone but I never received a message on my phone from them nor any letters in the mail. Harley also stated the agent called my employer and was told I no longer worked there but, I have been at the same employer since XXXX. Of course in XXXX i was not working due to the accident and had multiple fractures which is why my wife was handling all the calls, appointments, and bills. I received a statement with a request for over {$11000.00} after the motorcycle was sold and that is the only correspondence I have received from Harley davidson financial. I do not feel that the report and derogatory mark on my credit, which has now affected me being able to get a vehicle for work, should be on my credit because Harley financial did not handle this situation and " repossession '' in a proper or timely manner. I should not have found out from my car insurance that my bike was repossessed without my knowledge. I also should not be responsible for any balance despite my insurance paying over {$10000.00} when again, I was not properly notified about the pick up and repossession of my bike. My wife was constantly calling the insurance company to follow up on the status and was being told pick up was being processed. It is not our fault as the consumer that the insurance company dragged their feet and did not pick up or follow up with the lien holder and tow yard in a timely manner. the tow yard also failed to notify us of the pick up. I am not asking for much except for the right thing to be done. I have tried multiple times talking to Harley financial with no avail and no term of agreement.
|
| 06/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I filed a complaint with Harley Davidson Financial Services ( referred hereafter as HDFS ) with CFPB XX/XX/XXXX ( Case # : XXXX ) for debt collection harassment. Unfortunately I am having those issues again with them. They were asked, then told, to remove a reference number for a business I was working at that time ( XXXX XXXX XXXX ). On XX/XX/XXXX HDFS had their repossession person ( XXXX @ XXXX ) call XXXX XXXX at the XXXX phone number and Spoke with the Asst. Mgr. there named XXXX. He not only called a number that was suppose to have been blocked, but he informed her he was wanting to talk to me about picking up my Harley and gave her his number to call him back. ( I have a photo of the caller ID from there as well as her text to my personal cell phone. ) At no point did the number XXXX called from come across my cell phone, nor did HDFS try to call my cell phone that day either.
I have two accounts with HDFS. One was 135 days late that is scheduled for voluntary repossession on XX/XX/XXXX ( acct # : ; repo company = no call, no show for vol surrender, no followup from HDFS either ). I spoke with XXXX at HDFS on XX/XX/XXXX about the other account in which I am the primary account holder on. ( Acct # : ), they are stating is now between 70 and 80 days past due. In XXXX I had called HDFS and explained that I was having financial issues due to medical bills and asked for a 1 month extension. I was offered 2 if needed, but at that time I told them I only needed one. The lady I spoke with at that time informed me that I was approved and if I realized I did in fact need that 2nd mo that I could just call back in XXXX and ask for it then. Well, I was able to make the pmt in XXXX, but when I called in XXXX after the COVID-19 outbreak and asked for that 2nd mo ; I was denied over the phone as well as received a letter letting me know I was denied any extension for 12 months. At that time I explained I would continue to be a month late until I could get caught up. They stated they understood and reminded me of late fees and the impact on my credit report. On XX/XX/XXXX I logged on to make the missed payment due for XX/XX/XXXX. However, my accounts were locked online and I could not get through. The message stated for me to call HDFS in which I did immediately only to stay on hold for over an hour before being disconnected. I attempted again on XX/XX/XXXX with the same result. On XX/XX/XXXX I called and spoke with XXXX who kept refusing to speak to me about any other account other than the one farthest behind ( acct # : ). Every time I told her I didnt have any new information to tell her, she kept pressing me to make a payment even though I had already explained why I was behind and why I was still not in any position to make a payment on that account at this time, but that I may be able to make a payment on the account in which I am the primary account holder of which was also past due. She kept insisting that I need to pay the farthest one first, but I kept insisting that I could not at that time and that my husband would have to speak to them about that account. I finally gave up getting any further with XXXX so I hung up and attempted to call back in hopes to get someone else that would talk to me about my primary account. Unfortunately it was explained to me that XXXX is the only one authorized to speak to me about the accounts so I got her again. I again explained that I wanted to talk about acct # X and if she refused again that I was filing a complaint here. She finally gave me the past due bal and said if I paid a past due amount of {$200.00} by XX/XX/XXXX that I would get a 2 month extension and would not be due for another payment until XX/XX/XXXX. I explained to her that that would be my original due date for XXXX and in fact, NOT a two month extension. At that time she said she wasnt sure about why it was stating that but still insisted on me making the payment that day. I told her I could do that, but that I would like her to find out if I would actually get the extension or if I would be due again in XXXX before I made the payment. I also informed her that when I did make the payment it would be online because its {$3.00} cheaper to do so and I asked her to please unlock my accounts so I could do that on XX/XX/XXXX in which she informed me that they were unlocked and I wouldnt have any issue logging in now. She said she would call be back before XX/XX/XXXX to let me know if I made that {$200.00} payment if I would be due in XXXX, or XXXX. I never received any call back to let me know. I logged on HDFS online on XX/XX/XXXX to make the {$200.00} payment anyway and was still locked out, so I tried again on XX/XX/XXXX and still the same results. I have tried calling HDFS today ( XX/XX/XXXX ) with no answer from XXXX after an extended hold time
|
| 04/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Complaint HDFS claims I missed 8+ payments. My bank 's autopay statements show that 1 payment ( possibly 2 ) were missed. While HDFS did not have my correct address or phone number, no attempt to contact me was made until I discovered the issue. Now I have multiple late payments reported on my Credit, have paid the account to current and am being charged fees that I was promised would *not* be charged!
Background Harley Davidson Financial Services had the wrong address for my account after I moved due to medical reasons ( my fault, I was unable to inform them due to my condition - I was however told that I was enrolled in electronic billing by the Dealer ). They also had the wrong phone number for me ( their fault, they transposed numbers ).
In XXXX or XXXX I went to a HD dealership to inquire about possibly upgrading my bike and was informed my account was locked.Since HDFS is closed on the weekends, I waited until Monday XX/XX/XXXX.
XX/XX/XXXX On my initial call with XXXX immediately transferred to XXXX, I was told that I had missed 8 payments and my account was in arrears to an amount exceeding {$1400.00}. I asked for payment paperwork to be sent to me and HDFS refused -- they could not email ( against policy ) and refused to mail it. XXXX was difficult to speak with and insulting, so I asked to speak with his supervisor.
I was transferred to a Manager/Supervisor, XXXX XXXX ( phone number and extension available ). She told me any repossession attempts would be put on hold and related fees would be cancelled while this issue was resolved. She gave me her information and asked that I send my bank information ( the bike loan was paid via bank Autopay ) to show that I was indeed making payments during the disputed period.
Over the course of several weeks I tried to call XXXX XXXX and get more information about the progress on this issue. She did not return calls after the second day ( I was not abusive in any way and she promised to personally return my calls and follow up on this issue! ).
XX/XX/XXXX XXXX I did speak with an HDFS representative who agreed to email the reviewed payment information to me, but told me she might be terminated for doing so. What I got from her was a few PDF files that were garbled.
XX/XX/XXXX I finally received a call from my HDFS Account Manager ( XXXX ) and we came to an agreement. The initial amount owed that he delivered was {$1000.00} ( less than the original amount quoted on XX/XX/XXXX.
On the phone we went over the payments line by line and the number of payments in question kept changing. Finally it was agreed that I missed a single payment, but it kept my account in arrears for a prolonged period of time. The final amount agreed upon and approved by HDFS managers was {$630.00} to be paid by XX/XX/XXXX. This would bring my account back into Good Standing.
XXXX was able to send me payment details by mail, but I would not be able to get them by XX/XX/XXXX ( which is odd - 10 days is a very long time ). So I agreed to pay the amount of {$630.00} on XX/XX/XXXX. XXXX would waive late fees and the payment for XXXX.
XX/XX/XXXX I called to make my payment and, literally, no one wanted to take my money! After 30 minutes of being disconnected, put on hold, etc. I spoke with XXXX, who took my payment and said she would reactivate my online MYHDFS.com access ( which had been locked, denying me any access to records on the account ).
XX/XX/XXXX I logged into MYHDFS.com to check my account and make sure I was paying the correct amount and found a Repo Collection Expense, charged XX/XX/XXXX in the amount of {$75.00}. I called HDFS to dispute ( since XXXX said these fees would not be charged during our initial conversation on XX/XX/XXXX ).
I spoke with XXXX ( Supervisor ), who spoke with XXXX. XXXX denied the claim and I was not allowed to speak with her ( I will call her tomorrow ). This fee will not be refunded since nothing appears in the account notes.
|
| 07/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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I sold my XXXX XXXX XXXX to a gentleman, he purchased my XXXX XXXX XXXX XX/XX/XXXX on a 3 way call with myself and Harley XXXX XXXX. They informed me I would need to be on the phone the entire time to authorize the access to my account so they could take payoff via wire transfer from him. After a lengthy phone call, they took all his info, name, address, number, account info, which I also noted everything on my end to be safe. He stated on the call when they asked, that it was his personal account and a non business account, they initiated two wire transfers as the Max was {$25000.00} per. Once completed they gave me two confirmation numbers and said it would post to my statement online with their system in the next couple days and once cleared and verified I could release the motorcycle. XX/XX/XXXX after funds were verified and cleared by Harley financial services, the buyer
had his son pick the bike up from me at a public location.
Harley sent me paid in full/l letter via fax on XX/XX/XXXX. Stating my account was paid in full. They also released the title to the motorcycle and mailed to the buyer.
Today XX/XX/XXXX they call me because on XX/XX/XXXX the funds were reversed.
I called the police, who informed me its civil matter and not stolen at this point. Since I sold the motorcycle in XXXX, I dont have ownership of the bike the financial company would be solely responsible in collecting the funds from the bank/buyer who purchased the bike. Not myself.
Harley says Im responsible for the balance, there is no way!? They were paid in full XX/XX/XXXX, And nearly 60 days later theyre trying to get me to pay since the wire reversed. They sent the buyer the title, not me. My ties were done with Harley after they verified and cleared the wire and sent me a paid in full statement. Harley approved, accepted, and released the title to a third party which would make it their obligation further. Now my credit is at risk, my credit reputation is important as we are trying to refinance our assets and this will cause a huge problem for us financially speaking, it would disqualify us from saving potentially hundreds of thousands in interest expenses later with a negative mark or in their case a collection amount for nearly {$40000.00}. Ultimately I want Harley to pursue the buyer and not myself. And to cut any obligations they think I have with them and stop harassing me. They reinstated a contractual debt that was paid and settled as agreed, illegally without a new contract etc.
I have spoke to my insurance and police department and have contacts for both. Ultimately Harley XXXX is in the wrong, he paid them. Not me. If I were to have received the funds from the buyer into my account, then paid off Harley with
my personal account, and 60 days later I call Harley XXXX and tell them the buyer reversed funds and I need Harley XXXX to refund me the {$37000.00}. They would
tell me Im out of luck, laugh me off the phone and I would be messed out of the money.
They reinstated a debt that was paid. Reinstated it without a contract. They will not reach out to my attorney or make any grounds to resolve this.
I would like them to removed the negative remarks, the showing of late payments, the collection account or whatever else they are trying to put out there, put our account back as paid in full as agreed to all major credit bureaus so we may get this headache behind us.
This has dropped our scores drastically and is ruining our credit. Please help!
I have supporting documentation from Harley XXXX, my attorney and police report etc.
|
| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 01/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Within XX/XX/XXXX I purchased a new Harley-Davidson motorcycle from XXXX XXXX XXXX in the amount of roughly {$19000.00}. I put a down payment of {$2500.00} on the motorcycle and included a full-year insurance within the payment. Very shortly thereafter I was let go from my job because the company went bankrupt and I was out of a job, and was unable to make full timely payments. In light of loosing my job, I made every effort to make as many payments and for as much of the amount that I could afford at the time, and also communicating with XXXX XXXX ( Leinholder ) informing the bank of my situation. At approximately 2-3 months after I started to receive daily phone calls, sometimes multiple calls a day seeking payments, and every time explaining the situation to the representative over the phone. The frequency of the calls elevated, and it got to the point I had a collection of 15-20 separate phone numbers for the bank calling my cell phone. I started to ignore the calls as I repeatedly informed the bank of my situation. Upon finding a new job I informed the bank that I wanted to start making payments to catch up on the loan. I had lost access to the online payment portal, and now the bank informed me that I would only be able to make payments over the phone, and there would be a {$10.00} fee assessed to each payment. The calls kept up on a daily basis, I tried making payments as much as I could, the company began calling from different numbers and would no longer leave a message. I then on XX/XX/XXXX received a voicemail from a number associated with Harley Financial Services who had called before and was saved in my cell phone. The voicemail lasted a period of 3:00 minutes, and around 2:30 you can hear a representative state, " pick up the phone you XXXX scavenger. '' I filed a CFPB complaint at the time against Harley for this, the company responded and denied the phone number being associated with the company, and also denied any wrong doing with repeated calls, sometimes threatening to repossess the motorcycle, and also threatening to have me arrested. I have not contacted Harley-Davidson since XX/XX/XXXX, where a company representative stated the company did no wrong-doing and during an internal investigation there was nothing found. I find this highly protective in nature that the company is denying any wrong doing and disassociating itself with the matter. I have since attempted to consult an attorney that specializes in such cases, but have been fruitless in the effort to find a local attorney that can help me. I had repeatedly attempted to work with Harley-Davidson and the company took a stance that they did not want to work together in any instance. I am now receiving ongoing phone calls from another company that states, " We were hired by Harley-Davidson to schedule a pick up of the motorcycle, and to collect this debt. '' This company calls me on a daily basis from this number ; XXXX. I would still like to work with Harley-Davidson regarding this matter, however at this moment I still am being harassed by collections on this matter where as I would rather hear from Harley-Davidson directly regarding the harassing nature of that encounter with a representative. I am still seeking an attorney with regards to this matter.
|
| 07/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Harley Davidson continues to act in an unfair and criminal manner. Not only did they charge excessive interest rates, and sell a useless warranty, but now they also refuse to let me payoff my account and close this relationship. This entire account is based on predatory lending and bait and switch sales tactics. Their continued fraudulent actions is disgusting. Their customer service is non-existent. I work during the day. Calling me at XXXX does not show me you tried to contact me. When I call at XXXX, everyone is gone home. How is this customer service? How does this show they are trying to assist me? I can provide telephone records supporting every time I called both XXXX County Harley Davidson, and XXXX XXXX Harley Davidson. 4 times my requests for warranty coverage were denied. Nonetheless my CFPB complaints show I continually request my warranty cancelled and a refund completed, and Harley continues to pass the buck that they previously responded and to call a number. The same number to contact them. The same number that closes at XXXX. So I ca n't call them because I work all day, they do n't respond to my complaints by cancelling my warranty as requested, and everything is the customer 's fault.
1. I requested the warranty cancelled and refund provided through CFPB complaint XXXX on XX/XX/XXXX. Harley Davidson did not complete as requested.
2. I again requested the warranty cancelled and refund provided through the CFPB complaint XXXX on XX/XX/XXXX. XXXX Davidson again did not complete as requested.
3. I once again requested the warranty cancelled and a refund provided through the CFPB complaint XXXX on XX/XX/XXXX. Harley Davidson again did not complete as requested. I disputed their response on XX/XX/XXXX to which I received no reply.
4. I continued to request the warranty cancelled and a refund provided through CFPB complaint XXXX on XX/XX/XXXX. Harley Davidson again did not complete as requested. I disputed their response on XX/XX/XXXX to which I received no reply.
5. I am again requesting the warranty cancelled at least effective XX/XX/XXXX the date of my first complaint. I have received ZERO benefits from this warranty. They can argue telephone bills and play the he say she say pass the buck game, but they can not refute my continued complaints requesting cancellation.
6. I sent a {$3700.00} payment to hopefully satisfy my debt in its entirety and finalize my relationship with XXXX XXXX. Check was sent via XXXX XXXX XXXX which XXXX Davidson received on XX/XX/XXXX but have still not cashed. Harley continues to hold my funds rather than apply them to my account thus increasing their excessive daily interest accrual. I am requesting my {$3700.00} payment applied the day they received it of XX/XX/XXXX.
7. I requested statements and online account access, to which Harley responded they do not need to provide. I have no idea how it can be legal for a company to hold an account and not have to inform the customer the particulars of said account. I am requesting all monthly billing statements since the inception of the loan. I am also requesting a final payoff statement. If the {$3700.00} payment satisfies my remaining balance owed, I am requesting my bike title and satisfaction of debt.
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Dear Sir/Madam, I am writing to file a formal complaint against Harley Davidson Financial Services regarding the inaccurate and unauthorized late payments being reported on my account. This is my second request to have the issue corrected, and despite sending a notice of intent to sue on XX/XX/XXXX, the problem remains unresolved. I am now considering pursuing litigation if my account is not reported accurately as paid as agreed or never late.
Details of the Complaint : Account Holder Name : XXXX XXXX Account Number : XXXX Date of Incident : XX/XX/XXXX Notice of Intent to Sue Sent : XX/XX/XXXX ( Delivered via USPS ) Explanation of the Issue : I have been a customer of Harley Davidson Financial Services for [ duration ] and have diligently made all my payments on time. However, I recently discovered that there have been several late payments reported on my account that are both inaccurate and unauthorized.
Despite my repeated attempts to rectify this matter, including my initial request dated [ date of first request ], the erroneous reporting continues. This has had a severe impact on my creditworthiness and financial standing, causing undue stress and frustration.
Actions Taken : XXXX. On XX/XX/XXXX, I contacted Harley Davidson Financial Services via a phone call to resolve the matter, I explained the issue and requested immediate correction of the inaccurate late payment reporting. I was assured that the matter would be resolved promptly.
XXXX. After not seeing any improvement, I sent a written request via certified mail on XX/XX/XXXX, which was received by Harley Davidson Financial Services on XX/XX/XXXX. In the letter, I reiterated the problem and provided all necessary supporting documentation to facilitate the correction process.
XXXX. On XX/XX/XXXX, I sent a notice of intent to sue via USPS, which was delivered on XX/XX/XXXX. This step was taken to express my seriousness about resolving the issue and avoiding any further negative impact on my credit.
Requested Resolution : I demand that Harley Davidson Financial Services correct the inaccurate late payment reporting on my account immediately. Specifically, I request that my account be reported as " paid as agreed '' or " never late '' as per the original terms of the agreement. Additionally, I insist on receiving written confirmation of the corrections made.
Failure to address this matter within a reasonable timeframe will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages caused by this negligence.
Enclosed with this complaint, please find copies of all relevant documentation, including records of communication, the notice of intent to sue, and any other supporting evidence.
I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against Harley Davidson Financial Services to rectify the reporting inaccuracies and prevent similar incidents in the future.
Thank you for your attention to this matter, and I look forward to a prompt resolution.
Sincerely, XXXX XXXX
|
| 04/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
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I have an acct with Harley Davidson Financial that was due XX/XX/XXXX. On XX/XX/XXXX I spoke with them and explained my situation to them and told them I would be making the payment on XX/XX/XXXX over the internet. They accepted that date at that time. I have been missing numerous calls from them since then. At lease 6 a day.
I have had the loan since XX/XX/XXXX and asked them to remove my work number from their call list over a year ago. They called me at my place of employment twice last week.
Yesterday XXXX they called me 3 times. I answered the third call and they informed me that my acct was past due from XX/XX/XXXX and asked if I could make a payment over the phone at that time. I told them that I had already set up an appointment to pay it online on XX/XX/XXXX, then I told them I was at work and could n't talk, but that I would call them back after XXXX, she said that was fine. They continued to call me 3 more times ( total of 6 ). I again answered the 6th call ( XXXX XXXX ). Again they told me my acct was past due from XX/XX/XXXX and wanted to know if I could make a payment over the phone. Again for the 2nd time that same day told them I had already set up an appointment to pay online on XX/XX/XXXX. I asked to speak with a supervisor to find out why I 'm getting 6 calls a day after I had made an appointment and they had accepted it. The supervisor told me that phone call was just a follow up call that they routinely do when an appointment to pay is 7 days or more out. I told him I did not believe that since the operator asked me if I could make a payment over the phone now. I also pointed out that I had already spoken with someone that morning and had already verified my appointment. I informed him at that time that I would be filing a complaint here for harassment.
Then today XX/XX/XXXX I get 3 more calls in which I am able to get away from work in order to answer the 3rd call. Again they inform me that my acct is past due from XX/XX/XXXX and can I make a payment over the phone now. I again ( for the 4th time ) inform them that I already have an accepted appointment for XX/XX/XXXX and would again like to speak to another supervisor. The supervisor tells me this is a follow up call to verify the appointment because the appointment is 7 days out. I explain to her that 7 days out was yesterday and that I had already had this exact same conversation with a different supervisor yesterday. She put me on hold and returned to the line. She said she could see all of the notes from XX/XX/XXXX when I originally made the appointment and saw the calls and conversations from yesterday including the conversation with the other supervisor. She said she could also see the note where he told me I would not receive any further calls until after XX/XX/XXXX. I also informed her that I would still be filing this complaint due to harassment. 6 phone calls from XXXX to XXXX XXXX including XXXX conversations was uncalled for and harassment, especially when I have an appointment already accepted by them.
|
| 11/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
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Web |
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In XXXX of XX/XX/XXXX I, XXXX XXXX went into Harley XX/XX/XXXX Located at XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX. I rode up to Harley on a XXXX XXXX with my XXXX, XXXX XXXX. We went to XXXX to look at Motorcycles. My Fiance and I thought about trading in our XXXX XXXX to purchase a XX/XX/XXXX XXXX XXXX. We left that day with the new XXXX XXXX, but boy was it the WORST Decision we ever made. We were both very young and conned into a Loan at a WHOOPING 22.99 % Interest Rate. Fast Forward to the Present Time, we Owe more now than we did when we Purchased the bike in 2017. When we talk about how XX/XX/XXXX we were when we bought the bike, and talk to other consumers, we realized how bad we were misformed and lied to about our interest rate, monthly payment, and the strategies they used to get us financed into buying this motorcycle. Once we realized how XX/XX/XXXXwe were with a XX/XX/XXXX monthly Payment PLUS a 22.99 interest rate all we could do is pay it each month. We have paid Harley Finacial MORE than what the bike is actually worth. We even Offered to pay them XXXX to settle out the loan and explain how we were lied to and conned, They do not care at all. They rather come and repossess the bike rather than working with us during covid and taking the XXXX we offered. We called and called and called, and told them we were lied to on our Contract. The Saleswoman at the time told us that after 30 days we would have been able to REFINANCE the loan through Harley Financial, Which was not true because Harley Finacial does not refinance, We were never sat down to read over the contract we were just told YOU ARE APPROVED, you'll just have to lower the payment in 30 days. We have paid over a three year period a total of almost XX/XX/XXXX THOUSAND in Interest. and STILL, owe XXXX on the bike! When we traded in our XXXX XXXX we were told, that XXXX would be put towards our loan as well. WELL, they lied again and our loan amount on the paperwork was for XXXX. We never agreed on XXXX. Harley Charged out paperwork as a total amount due to Harley was XXXX. We financed XXXX. They XX/XX/XXXXus everywhere they could.
WELL, when we brought our Contract to a lawyer he informed us that Harley actually added Warranties, and our XXXX was never put towards our principal. We have a month, after month, tried to pay this motorcycle down but CAN NOT because of the interest rate. We are unable to buy a home, and Harley Financial told us this loan is like a home loan, it's an interest loan, The girl on the phone said the loan was similar to a Home loan and we HAD to pay the Full XXXX ( we have XXXX ) They have already made XXXX off us, plus fees, plus stress PLUS the XXXX we offered. We were FRAUDENTLY put into a loan, Have EXTENSIVELY tried to work with Harley Financial and all they have been is RUDE, Arrogant, and told us the only way to help us is to file Bankruptcy. We have also found out this has also happened to other fellow Bike riders. WE NEED HELP
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account # XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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While in the process of purchasing a home. I created accounts with the 3 main credit bureaus to keep track of my credit score and updated credit reports. In XX/XX/XXXX, I received a notification on my XXXX credit report stating that my Harley Davidson account that's been paid in full and closed since XXXX now had a 30 day late delinquency mark.
I paid for and pulled the most up to date at the time credit report directly from bureau ( XXXX ) and then called them to notify them of this error. They explained that it was the vendor Harley Davidson who had reported to them the delinquency and that they were only reporting what was given to them. XXXX by XXXX picked up on the same delinquency and I had to notify them as well, they recognized the error and removed it after two months. In XXXX by certified mail I sent a letter to the XXXX XXXX disputing the late payment. It came back in XXXX verified. With that, my credit score dropped almost XXXX plus points and all my indicators changed which directly affected me getting a home loan. So I decided to call Harley Davidson.
At first, Harley denied the late delinquency on my credit report but after my multiple calls and emails on XX/XX/XXXX, I received a voice mail from the company asking me to return their call after I emailed them my credit report and stated I was going to send a complaint for false reporting.
I've been attempting to get both Harley Davidson and XXXX to fix this error. They both have done nothing but point the fingers at one another and done everything to my credit report which has directly affected my credit score over these past few months like erase my good paying history with them completely on my credit report and leave the one thing I've been requesting them to remove. They have placed the issue into dispute status but then validate the delinquency although the status on the account as well as the indicators clearly shows paid in full and closed.
I've called Harley Davidson and XXXX. Separately, as well on XXXX way. They are aware of this error yet both parties have been difficult. Harley Davidson claims they have placed a XXXX into XXXX to remove the error because they never reported me late in the first place. However when I'm asking for a letter to stand in place as proof until the matter gets fixed, they refuse to provide one. Its been 4 months and still nothing. Both companies I'd like to report. Harley Davidson for reporting me to the bureaus falsely and the bureaus for not doing a proper investigation while under dispute. I'm hoping you'd be of some help in this matter and hope to hear from you soon.
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| 05/20/2020 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Here is the complaint : Harley Davidson Financial just called me during a pandemic to collect {$2.00} cents on a loan that has been paid off for months She said my past due amount was XXXX dollars and XXXX XXXX cents ... .. and would I like to take care of that today? Can you believe a finance company would do this? If you use this lender you will not get your title unless you hire a lawyer and drag them into court. It's about time that the Predatory Lender, Harley Davidson Financial used by XXXX XXXX XXXX are exposed for what they really are ... Can you imagine denying someone a title after 84 months of XXXX, because of {$3.00}. on an 84 month loan at 25 % that was paid in full!
Then calling during a pandemic to torture the customer even more using harsh collection tactics with not an ounce of compromise. Could not reach anyone at customer support since XX/XX/XXXX. They charged me 11 late fees of {$35.00} on an outstanding balance of $ XXXX dollars and XXXX XXXX cents. The representative told be they deliberately give no power to the CSR 's that call to collect the trumped up charges. These people are bad people that hire unsuspecting workers to carry out their sadistic torture. My original review was written over a year ago ( XXXX ) on XXXX and this is the update of the torturous last year XXXX I have had with them. Nothing has been resolved, they just keep adding money because they know no matter what people say, you're going to use them, " because you just have to have that motorcycle '', they know this ... It's going to cost me {$1800.00} to hire a lawyer and have a judge rule in my favor. What a bad look for a company, during a pandemic, XXXX, when people are dying. Why don't I pay the shake down money? Why wouldn't a company agree with a customer after 84 months and paying off the loan? Instead they're sticking to the plan to criminally extort monies from borrowers that are not owed, with no ability to challenge the three dollars owed. They're untouchable. The most unfriendly, torturous people in business. Thank god they were stupid enough to send me a bank statement saying I owed three dollars and are going to charge it off, show more late 's on my credit? Threats, that is all I get from Harley Davidson Financial I'm going to the Massachusetts Banking Commission and filing a complaint against these bad people 'Harley Davidson Financial '' ... ... During a pandemic? Really? implementing the three dollar shake down?
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| 07/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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We purchased a brand new XXXX in XX/XX/XXXX. I paid extra for an extended warranty that I feel was never properly honored. First the radio went out after a month, the dealership lied over and over we had to take the bike to another dealership to get it fixed at which point I complanied to XXXX XXXX customer satisfaction and they opened up a case. Few months later the bike had a XXXX, we complained about this on XXXX separate occasions to XXXX different dealerships, the mechanics rode the bike and said it was fine. The bike was not fine it still had the XXXX and now the forks are bent. I complained once more to XXXX satisfaction and nothing was ever done and still the bike has the XXXX. I told them I was not making another payment until they honored the warranty I paid extra money for and still nothing was done. XX/XX/XXXX I recieved a letter stating if I did not pay XXXX by XXXX XXXX the bike would be repossessed. Upon purchasing this bike we traded in a bike that they valued at XXXX plus we put down a down payment of XXXX of our own money not to mention all the payments we made up until the situation. Not only are we out {$15000.00} but we are going to loose a bike that has had problem after problem and nothing has ever been done when we traded a perfectly good bike for this one. My dads name is on the line and he recently suffered a XXXX so I 'm not letting him deal with no ore aggravation over this situation we are in. We purchased the bike in XX/XX/XXXX the dealership still has our stock parts even tho we have asked for them numerous of times. I feel that we have been treated unfairly, we work hard everyday and we 're not rich but we do feel that since XX/XX/XXXX we have been treated unfairly and for us to be customers and giving our hard earning money we should be treated fair. XXXX never done anything to help us out with a bike that had problems but we still continued to make our payments so I feel that we deserve a fair solution and not loose everything that we have put a lot of money out for and wo n't be able to get that money back not to mention its gona hurt the credit report involved. In reality it did not have to come to this if they would have just done what needed to be done in the first place. I paid extra money for a warranty that was never properly honored, and we were lied to over and over again, I feel Harley-Davidson Financil Services should have to make this situation right.
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| 08/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XXXX XXXX, XXXX I sent a letter to Harley Davidson requesting an explanation of a {$400.00} expense I noticed on my invoice. Having not received a response, I sent another letter to HD asking for the same information and also asking why {$100.00} of my payment was applied to interest only and not principal. Again receiving no response, I sent another letter on XXXX XXXX, asking the same questions. The question about why my entire payment was attributed to interest rather than principal was responded to. It was convoluted and I still do n't agree with how they applied my payment, but I did n't know enough to fight about it. The answer I received for the {$400.00} was it was for repossession efforts by a third party. Since I had not been contacted by any third party, I asked for HD to provide an accounting or itemized billing for this {$400.00}. No one other than HD contacted me or sent a letter, so I wanted to know what this {$400.00} charge was for. I was provided with an invoice simply saying {$400.00} but nothing showing what equated to {$400.00} worth of expenses they wanted me to pay for. I again sent a letter on XXXX XXXX, XXXX asking for an itemization of the {$400.00} of expenses that HD had now taken from me. They applied a payment meant for principal and interest to this {$400.00} and then told me my payment was late. To this present date, XXXX XXXX, XXXX, I have not received an accounting of this {$400.00} expense. I was told by a gentleman in the HD financial services department on XXXX XXXX, XXXX during a 20 minute phone call that HD was not going to provide this to me, they were not required to per his supervisor, XXXX XXXX. I was told sorry, but too bad you 're not getting an itemization of this expense. I did explain to HD I had not been contacted by any third parties, I had not received any correspondence from any third parties so this is a scam and it 's okay if they do n't want to follow up on it, but I should not be left paying for services that were never performed. Can you please help me to have HD apply the {$400.00} they have already taken from me and apply it to my principal. As mentioned, I am not too sure about the way they apply payments to principal and interest and if you could ensure I am being charged properly for interest, I would deeply appreciate it.
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| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Please be advised this will be the last time I complain to the Consumer Finance Protection Board about Harley Davidson Financial ( HDF ) as it relates to the information HDF is reporting to XXXX. Keep in mind, there is an expiration date, one day I will no longer have to deal with HDFs poor business ethics and practices, unprofessional conduct and substandard credit reporting clerks. Bottom line, each and every time I have disputed, complained and or notified HDF about the information HDF is furnishing to XXXX, rather than update XXXX ; HDF modifies the account descriptors on my XXXX credit file. No changes, updates or account descriptors are reported to XXXX, even after HDF wrote accurate information would be reported to XXXX. Is there a glitch in your credit reporting to XXXX? Does XXXX believe it is XXXX as it relates to my disputes? Are your credit reporting clerks competent? Is your failure to furnish accurate information to XXXX punitive, malicious and or spiteful? The following dates accurately reflect how when I complain about XXXX, HDF notifies XXXX : ( See attached ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please pay attention to the attached XX/XX/XXXX XXXX DESCRIPTORS FOR AN ACCOUNT LISTED ON YOUR CREDIT REPORT HAVE BEEN UPDATED. This is downright shameful and a corporate disgrace, what sense does it make to dispute a XXXX balance reporting on XXXX? Playing these types of games with my credit file because you can is a clear reflection of the lack of morals and ethics in this profession. So if HDF is empowered by falsifying the truth to XXXX, so be it. Have at it Harley Davidson, shame on you! FYI for anyone at the CFPB who cares, the last time XXXX reported information to XXXX was before my initial complaint to the CFPB, the last reporting was XX/XX/XXXX! The process of complaining to the CFPB is worthless, just because the CFPB does not advocate for the consumer does not mean you allow businesses to treat consumers as I have been treated. I plan to notify XXXX XXXX, FTC CHAIR in the hopes she will help me.
ALL OF THE XXXX ATTACHMENTS WERE PRINTED FROM XXXX XXXX XXXX ... XXXX Be Well
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| 07/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
Servicemember |
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My ex husband and I purchased a XX/XX/XXXX XXXX, and financed it together.
We divorced on XX/XX/XXXX.
I have a court order that states he is the sole obligor to pay off the remainder of the Harley-Davidson loan for the motorcycle.
I submitted a copy of my divorce paperwork to Harley-Davidson Financial Services / Harley-Davidson Credit Corp.
This copy seems to have been lost, as they no longer have it on file. They also state that a legal court order has no priority over individual financing, and that it does not have to be abided by, as it was a " legal contract '' signed by both parties. I was told that state law does not come before finance law by the representative I talked to on the phone. This was on XX/XX/XXXX.
My ex-husband is not making payments on the motorcycle, has numerous reverse payments, NSF 's, and late payment fees. All of his payment deficiencies are hitting my credit report, and have been for two years.
As of XX/XX/XXXX, the account was sitting at 40 days past due, and I placed an inquiry as to whether it could be repossessed. A payment was made by my ex-husband on the same day, for {$400.00}, but the account is still sitting at {$690.00}, and in a past due status. Which has again hit my credit report.
I have tried settling this issue with Harley-Davison Financial Services / Harley-Davidson Credit Corp numerous times over the last two years.
I am being constantly harassed by their finance department because my ex husband keeps changing his contact information, and is unreachable. I continue to provide them with up-to-date contact details for him, but they insist on calling me relentlessly, sometimes reaching 5-6 calls a day.
I have asked Harley-Davidson to remove the deficiencies from my credit report, but was told that a court order isn't adequate in their eyes, and that I am still responsible.
I have also submitted appeals to the credit bureaus to have the deficiencies removed from my credit history as well, but to no avail.
A cease-and-desist letter has also been mailed to the Harley-Davidson Financial Group / Harley-Davidson Credit Corp.
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| 08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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On XX/XX/XXXX at approximately XXXX I visited a Harley Davidson event in XXXX XXXX Florida and I was not looking to buy a bike. I was there for the event and I told the salesman I was not looking to buy a bike and I was only there for the food and drinks. He continued to try and convince me to ride a motorcycle and I said no. I have been drinking I am only here for the event he would not let up continued to than tell me about a .09 % interest rate telling me I could qualify for a buy back on my bike and could save a lot of money to trade in my bike. I finally said okay if I can save money sure ill check it out. He Then proceeded to fill out a credit application and asked me for my licence and told me to sign it. I told him I am currently in the middle of a home refinance and I said never mind i do not want to risk it. He than convinced me that it would not effect my home loan and that it was only a soft pull. " I have a text message from the salesman stating it was only a soft pull ''. The salesman than handed me a beer told me to relax. After the application was filled out they than tried to get me to sign another form stating they would not pull my credit unless I agreed to buy the bike. That's when I said no I am done do not pull my credit and I am not signing this and I left. realizing an hour later they kept my licence and when I returned for my licence the salesman greeted me outside and handed it to me.The next day I got a notification that Harley did a hard pull on my credit. I than texted the salesman and asked if they pulled my credit he said yes we did a soft pull. I than asked why they pulled my credit after they said they wouldn't and we decided no on the deal. he said you signed the paper. They did not have my permission to pull my credit and they did it anyway and they did a hard pull I believe because they where angry with me that i was not intoxicated enough to do what they wanted. I also believe the credit was pulled after I left the building. I believe they hold these events with alcohol in order to coerce people into buying a bike.
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| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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|
Web |
Servicemember |
|
I purchased a new Harley Davidson motorcycle in XX/XX/2020. I was excited to get my first bike despite no one informing me of their Military Purchase Plan which has XXXX money down and very low interest rates. Despite having a credit score of over XXXX I got financing for a $ XXXX XXXX through Harley Davidson Financial at a rate of 19.5 % and 72 months with a monthly payment of {$600.00}. Then Covid hit and I had many more expenses than before. I also was given new orders in XX/XX/2020 to report to XXXX XXXX in XXXX from XXXX XXXX in XXXX.All my payments were made on time until XXXX when I requested a forbearance for XXXX and XX/XX/2020. I kept getting phone calls from an unknown number and finally in XXXX Harley Davidson threatened to report me to my superior if I didn't make 2 payments.
I contacted Harley Davidson several times trying to understand why they reported me 30 and 60 days late during the forbearance. I spoke to 4 different individuals and was treated poorly by several of them. I was being told that I have been negligent in making my payments and was even told that at one point my loan was over 90 days late! They all confirmed eventually that the forbearance was for XXXX and XXXX but failed to explain how it was overlooked and then billed for it. My final conversation was from XXXX who told me that the forbearance was for XXXX and XXXX yet they still show my credit report as being 30 days late in XXXX and 60 days late in XXXX. These lates have seen my credit report drop 100 points and they refuse to do anything about it. I asked about a refi to a lower rate and was denied immediately and I also asked who would refinance motorcycles and no one could give me a name yet Iron Horse is part of Harley Davidson and I was never given their information. I have repeatedly informed them of my financial hardship but they do not care nor are they giving accurate information that changes constantly. They claim to have recorded phone conversations and I would like my recent ones requested because they admit to what I am disputing.
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| 01/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
|
|
Web |
Servicemember |
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OnXX/XX/XXXX my XXXX XXXX XXXX XXXX was destroyed in an accident that resulted in my wife suffering a XXXX and 42 days in a XXXX. around XX/XX/XXXX HDFS was provided with the name of the insurance adjuster and claim number and I was told no problem we will take care of it. Shortly thereafter I started getting late payment notices on my credit report and after multiple calls to both HDFS and XXXX nothing happened. InXX/XX/XXXX a tow truck was sent to my house to repo the vehicle that was sent to salvage in XXXX. XXXX finally made a payment on XX/XX/XXXX. 7 months later. They have in writing that it was in part due to HDFS sending them the wrong information that it took so long. Needless to say all HDFS could do was continue to hit my credit report with missed payments as I now sit unable to work because I have to take care of my wife at home 24 hours a day.
It took the GAP coverage until XX/XX/XXXXto make a payment which still left money due which when I asked I was told it was for interest payments. Which by XX/XX/XXXX that account was paid about 2 years ahead of time. I have asked for a breakdown of all payments received and all charges applied to the account along with dates and amounts sent to XXXX for payment.
The poor customer service this company and others provided me drove my credit score down from XXXX to XXXX in months, thus when I went to refinance my house to use the XXXX in equity in it to keep all my bills current until I could work again, my score was too low. HDFS and XXXX caused my family great financial harm to the point that I am usually within DAYS of having my house foreclosed on and vehicles repossessed.
One year to process a simple 100 percent destroyed claim on a motorcycle and I now have statements showing that the about {$800.00} that was left after the insurance companies paid, has now grown over 4,000.00 Additionally I was informed that the motorcycle was sold. I dont know how a vehicle that I was paying for and still getting billed for could be sold without my Knowledge
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| 06/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I purchased a Motorcycle using HDFS in XX/XX/XXXX. During my loan obligation of XXXX months, I had several months when the loan was late. In XX/XX/XXXX I received a deferment and was told I would need to pay anadditional month at the end of the loan. After regaining a positive payment record during the last XXXX months of the loan, I came to the end of the loan and inquired as to how much interest remained due tolate payments. I agreed with the amounts and asked SPECIFICALLY " Do I continue to make payments as usual? '' and was told " YES ''. Despite specifically inquiring about due dates and payment terms, XXXX was notified of a mandatory " LUMP SUM '' Payment XXXX I received a late mark on my credit report. When I asked the customer service representative as to where in my contract it stated the " LUMPSUM '' balance was due, there was none. When I asked about the XXXX month extension I received during my deferment, I was told by a supervisor " I 'm sorry I do n't know, I cant help you ''. I expressed thenthat this is not fair credit reporting as I am making payments each month as I was advised to do, yet I am receiving added interest daily PLUS a late mark on my credit. A company should properly discloseto customers what they are being charged for, when it is due, the amount due and dates due by. XXXX XXXX was called to confirm next steps and failed to provide accurate information, continued totake payments yet reported to the credit bureaus as late. The male supervisor guaranteed the terms where spelled out clearly in my contract and I later spoke to a female supervisor who stated XXXX that it was n't. My credit is ruined and even after the long history was told " Common sense should have told me it was all due in XXXX ''. I do n't deserve to be insulted and this is business.
Professionally I would like this resolved. I have made the payment of the balance in full and am demanding my credit file be updated to reflect what I as a consumer was told by the finance company I trusted.
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| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
The company identified above only provided a response in request to the application of the payments. The premise of the complaint was based on the partial application of the monthly payments as the company was taking money that was meant to be fully applied to the outstanding P & I and applying partial of it to late charges every month therefore reducing the amount being applied to the past due P & I. Late can be satisfied upon maturity of the loan so it does not hinder the myself, the consumer 's ability to catch up on past due P & I. Why would a financial institution be allowed to satisfy their late payments before I can satisfy my past due P & I. IE. I I pay {$200.00} towards past due P & I and they only apply {$170.00} to past due P & I and the remaining to their late fee. This does not sound consumer friendly. Per the CFPB Loan Servicing guidelines. you can not pull late fees from a monthly payment to satisfy any fees incurred prior to satisfying past due payments. Which is therefor reducing the amount of monies being provided to catch up any past due payments. If you look at the application of late fees and total the amount they have reduced trying to catch up monthly it would drastically reduce the amount past due and would allow me to bring my loan current. Fees as high as {$55.00} were deducted from my monthly payments when trying to catch up and this has been happening on a monthly basis for more than 6 months now. The company has flat outright lied to you as the original breakdown we previously requested identified nothing that was provided by the compliance manager in the previous complaint. I am wishing for the reversal of late fees and those to be applied to the monthly outstanding balance to reduce the delinquent amount owed so I can satisfy and bring current. I am also requesting copies of all correspondence prior to this complaint to be upload in the system. This letter should be dated for the month of XXXX.
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| 07/15/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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i have a loan with Harley financial davidson.
i fell past due on loan due to loosing my income momentarily which caused me to fall back on my loan as well as all my utilities and mortgage. i have advised this to them several times. i continue to make payments and trying to get my account current.
every time they call which is multiple times a day non stop, i call back and try to speak with a rep they always use threats to try to get me to pay. i advise them when i can make an arrangement and they always advise me they cant accept any arrangement. they make threats and tell me if there is a repossession agent out side of my house and or to surrender my collateral. they tell me i have repo fee 's of over XXXX, which is not true i have worked in collections for over XXXXyears and have never resulted to using threats to get a customer to make a payment. repo fee 's average from XXXX {$1000.00} plus whatever the account is past due /and storage fee 's at time of reinstatement.
they never offer options and or a payment plan to assist in getting current, off the bat when you speak with them its a threat ( we have repo agent on the way to the house or is there a repo agent present ). a company this size should do better in speaking with the customer 's and find out what the reason for delinquency is and offer options to assist a customer get back on track and get the loan performing once again.
threatning a customer does not make them pay. its coming to an agreement.
these types of threatning collections need to stop immediatley. this is no way to collect a debt from a consumer. its about rectifying the problem and offering assistance.
i had a previous loan with them and paid on time with no issues. but me loosing my income momentarily really caused me to fall behind on all my bills. i am well aware of my past due and i will do my best to get caught up so i dont have to deal with reps that use threats to collect a debt.
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| 07/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Purchased and financed a XXXX Harley Davidson Ultra Classic Glide, Purchased around XXXX 2012 from XXXX XXXX XXXX XXXX NC. The day of the purchase I was told they we 're throwing in for free a tire and wheel warranty. After rushing me to sign everything they handed me the key and tag and said I was good to go. But they failed to give me copies of all the financial documents, I ask for them and they said they would mail me my copies. By law they suppose to give me copies on the spot before leaving but that did n't happen. I received the documents in the mail three days later, after reviewing the free tire and wheel warranty was n't free and instead they charged and added it to the financing at a cost of {$2000.00}. I called them and complained they said I need to call the finance company Harley Davidson Financial Services, So I did. The finance company said I can cancel the {$2000.00} warranty and they would give me a refund credit on the end of the loan. So the {$2000.00} would come off the end of the loan. But they never gave me credit, so I hired an Attorney and he contacted the Finance Company who than supposedly gave me credit off the end of the loan. also had a licensed accountant review all the financial documents, he told me they took my payment but added my interest back which they did n't suppose to do. Also if they would have added the refund at the end of the loan it would have made my monthly payments, Interest ETC less per month but everything stayed the same. The last couple of years I have been paying the principal because I have already paid all the interest that was owed. I contacted the finance company to get my payoff, my payoff should be {$1800.00} but they are saying I owe {$3800.00} which they said is interest. In other words they never gave me credit nor did they take off the {$2000.00} for the tire warranty if so the payoff would be {$1800.00} or less.
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| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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When I applied for this loan with Harley-Davidson, I had a street address and a PO Box on my application. The dealer that I bought the motorcycle from used my PO Box , but it appears Harley Davidson only received my street address. They generated the first two statements for my loan for XX/XX/2018 and XX/XX/2018, and when the statements were Returned to Sender due to mail service not being available at my street address, Harley Davidson not only discontinued mailing paper statements, they didn't produce any statement at all. And they didn't call me to sort it out. Their policy is to simply stop generating statement. So if I wanted to call and get a copy of my statement from XX/XX/2018, I couldn't. They said the only thing they can provide me is my payment history.
How can a company that has open lines of credit with people discontinue generation of statements? Is that not part of some reporting law? I never bothered to check until now because I figured I was paperless, like I always am, and thought for sure anything I needed would be available online through the account that I registered for at the beginning of my loan. But they said that I don't have access to any statements from XX/XX/2018 to now. My next statement will generate with the next billing statement.
I just don't feel that this is right. The only thing I can see is the history of the lump sum payments I've sent them. I've requested a hard copy of my payment history be mailed to me because the rep on the phone today indicated that it will break down what was applied to principal and what was applied to interest, but why wouldn't I be able to see that through my online account? This just seems nuts so I wanted to reach out to confirm if Harley Davidson Financial Services needs to change their ways.
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| 09/20/2019 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Since opening an account with Harley. I have received calls from the collection department even before my first bill was due. They called it a courtesy call to be reminded that my first bill was coming up. ( 8 call total ) I told them about email.
Since that time theyve repeatedly called. From the cell number to my work number. To the point my boss had to tell them to stop calling because they were occupying the work line. Now they call 8 times a day for sure because I have saved all my call logs. I understand a late call or reminder but theyll get this way when its on the due date and keep it up everyday till its paid. Ive asked whats the point of having a due date if Im called on it every time. Its not even late at that point its ON the due date. Im at work XXXX which theyve been told this. Ive even set up a payment date when late or going to be late on the website to be automatically withdrawn from my bank account and Ill receive calls till THAT date. I pay the late charges when late but Ive never been a month late. Ive been days and at most a couple weeks. We had Harley for three years with another account and was always in good standing and still is. all this started with the new account days before the first bill was even due. ( Never experienced these call before and weve been late before ) Then it was a day or so before the due date which I asked why do I have a due date. Then to them calling 8 times a day if not more on multiple devices on the actual due date. Heres XX/XX/2019 call log for example.
Calls start// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes I understand paying my bill on time would avoid this but life happens and the fact it started before any bill was ever due or on due dates is the issue.
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| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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In XXXX, vehicle was vandalized while living and working in XXXX, XXXX. It was rear-ended by another vehicle in the parking lot and on one other occassion, others left bodily fluids on the vehicle. On another occassion in XXXX, the vehicle suddenly needed expensive repairs XX/XX/XXXX and was sent to XXXX XXXX XXXX. Upon driving vehicle out of XXXX XXXX XXXX, a stabilizer was left off, and the vehicle was not drivable. It caused an accident and injury to the co-owner. The vehicle was then driven to XXXX XXXX where someone else ran into the back end of the vehicle. Much of this was reported as the co-owner was left without work again and layoffs. By XX/XX/XXXX, there was a notice to call Harley Davidson Financial Services and the vehicle was taken. I still have a key. I never received a legal notice of an issue regarding repossession. I am the co-owner. I did not know anything about what exactly transpired with the vehicle and recently found out the vehicle was sold XX/XX/XXXX. Due to Covid-19, layoffs, and hardship, they took the vehicle and not one word from the owner. My doubt is that the owner, who would not transfer or exchange owner to co-owner, held the vehicle over my head. I have been gainfully employed at times and asked. The thought of trading in the vehicle towards a car was on my mind. I had XXXX XXXX coverage for a time period XXXX, then had an interesting issue on a freeway that would have totalled the bike. I had to change insurance to XXXX and got no help the way 'comprehensive ' insurance should work while living in XXXX XXXX My suspicions are insurance fraud. I no longer have the vehicle, but have some form of repossession on my credit now.
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| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Harley Davidson Account XXXX I am writing to you regarding an account that was opened XXXX XXXX and paid in full for 63 months with more than 98 percent of payments made on time. I would like to discuss an item posted to my credit report regarding this account and request that it be revised. Through the course of the loan there was a late payment in XXXX of XXXX and XXXX of XXXX, I believe they were one day late. The issue was not indicative of how I normally handle credit and I have substantially improved how you handle credit. For the remainder of months over the course of six years all payments were made on time. I have enjoyed being part of the HOG group and I live around the corner from a dealership that I frequent often and know everyone by first name at the XXXX XXXX XXXX
I am an avid Harley fan and would love to purchase another motorcycle, I have been sent material from Harley indicating that I am a customer in good standing and to come on back however, with these two late marks in my account it is reflecting poorly on my credit reports causing my score to be low.
This account has been paid in full. I am requesting that Harley Davidson in goodwill give me a second chance at a fully positive credit history with your organization by removing the two late payment marks from my credit report with all three credit bureaus. Please let me know if there is anything else, I can provide to support you as you consider my request. Revising remarks is common practice and I am hoping that you value me as a returning customer enough to work with me on this. Statistics show that I am 98 % positive in the total age of this loan that was paid in full.
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| 11/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American |
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on XX/XX/2023 I applied for a loan to buy a Harley XXXX. the XXXX cost XXXX and i only had XXXX dollars down. I never dreamed I would be approved for the loan but i was even though i am XXXX years and have very limited retirement income. I was estatic that a dream of mine was becoming a reality. All the add on and taxes brought the cost up to XXXX. 15 % interest for 8 years XXXXXXXX XXXX XXXX monthly payments.
It did not sink in that i was over my head in debt until all my savings is gone and i am struggling just to live and survive. I should have never been approved for the loan and i still dont know how i was with my limited income.
I have tried to talk to company about buying the XXXX back but because i owe over XXXX XXXX and the XXXX is only worth XXXXXXXX XXXX they cant buy it back and i can get it refinanced to lower the payments either for the same reason. And i signed the contract. being too excited for the opportunity to own my trike for the repercussions to sink in. Now I am in the position where I cant pay the payments as I have already used all my savings. I don't want a negative credit repossession but I don't see I have any other choice. I have talked to our state representative XXXX XXXX and he thought you might have some assistance. I know I got myself in this mess but I cant help wondering at this point why the lender approved me when my income was so limited. I was debt free up until I bought my trike. I am not trying to assign blame with anyone. I just need a resolution. if there is any wisdom to glean from this experience if you know you cant afford to pay for something dont buy it even if salesman makes it look good.
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| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through Harley Davidson. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to Harley. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and Harley the original creditor. I have now filed disputes with XXXX XXXX XXXX XXXX separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ).
I understand that Harley Davidson stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better!
Thank you
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| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
|
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To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through Harley Davidson. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to Harley. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and Harley the original creditor. I have now filed disputes with XXXX XXXX XXXX 3 separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ).
I understand that Harley Davidson stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better!
Thank you
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| 02/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
|
I PURCHASED A NEW HARLEY DAVIDSON SEVERAL YEARS BACK. I MADE THE PAYMENTS ON TIME. IN MORE RECENT YEARS I HAD A FEW ISSUES FINANCIALLY THAT CAUSED ME TO GO OFF MY PAYMENT TRACK. I LOST MY JOB TWICE AND TRIED TO CATCH UP AS QUICKLY AS I COULD. BUT MY HOLE WAS DUG TOO DEEP. I FELL BEHIND WITH XXXX XXXX XXXX BY 90 DAYS. I CONTACTED THEM VERY FREQUENTLY AS I TOLD THEM I WAS MAKING EVERY EFFORT TO PAY THEM OR I PAID WHAT I COULD BUT IT WOULD NOT TAKE ME OUT OF 90 DAYS. THEN I RECIEVED MY TAX RETURN AND PAID THE BALANCE IN FULL AND ASKED IF THEY COULD REMOVE THE NEGATIVE MARKS OFF OF MY REPORT SINCE I WAS PAYING IN FULL. I WAS TOLD NO THEY WERE WELL WITHIN THEIR RIGHT TO REPORT ON ME. IT IS FOR THIS REASON I WILL NEVER BUY ONE OF THEIR VEHICLES AGAIN. I WENT THROUGH A HARDSHIP AND FOUND A WAY TO PAY IN FULL WHAT I OWED, THEN I ASK FOR HELP AND THEY SPIT IN MY FACE. I JUST WANT MY PAID IN FULL ACCOUNT REMOVED OFF OF MY CREDIT REPORT. MYSELF AND LEGAL TEAM HAS NOT HAD ANY RESULTS. I WILL ATTACH A COPY OF THE CREDIT REPORT SHOWING THE ACCOUNT AND A LETTER I RECENTLY RECIEVED BACK FROM THEM ABOUT MY DISPUTE. WHEN I AND THE LEGAL TEAM DISPUTED THE ISSUE I SENT A CERTIFIED MAIL LETTER CONTAINING MY REQUEST AS WELL AS A COPY OF THE CREDIT AGENCIES REPORTING THE NEGATIVE INFORMATION. ON THE LETTER HAD ALL MY PERSONAL INFORMATION. HOWEVER THEY SEND A LETTER BACK STATING THAT THEY DID NOT HAVE ENOUGH INFORMATION FOR A CLAIM. THIS IS HOW THEY KEEP AVIODING US. I AM JUST ASKING FOR FAIR TREATMENT FROM A PAID OFF CREDITOR. IT SHOULD NO LONGER BE AN ISSUE FOR THEM TO REPORT ON ME THEY HAVE BEEN PAID. I HOPE YOUR ORGANIZATION CAN PLEASE HELP ME.
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| 01/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
On XX/XX/XXXX I sent letters to Harley Davidson and XXXX XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XX/XX/XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. Harley Davidson is still reporting this account as open on XXXX even though this account was paid off in XX/XX/XXXX. Both Harley Davidson and XXXX are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account.
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ).
Neither company reported the account as disputed within the 30-day time period allowed. XXXX received and signed for a certified letter on XX/XX/XXXX and Harley Davidson sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed.
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
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| 12/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX and XXXX XXXX collectively, it is clear that Harley Davidson has exceeded its legal timeline to take legal action on a very old financial issue. Harley Davidson had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XX/XX/XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and Harley Davidson is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of Harley Davidson pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.
|
| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a motorcycle from Harley Davidson XX/XX/XXXX. First payment due XX/XX/XXXX in the amount of XXXX. I made 4 payments totaling XXXX before the due date which is the XXXX of every month. The months XXXX and XXXX of XXXX no payments were due because of the overage on the account balance. XXXX XXXX my motorcycle was stolen. I alerted the insurance company in which they paid me XXXX which was applied to the account on XX/XX/XXXX well before the account was 30 days late. Harley Davidson Financial reported this account late from XX/XX/XXXX up until the latest reporting of XX/XX/XXXX. This account was paid years in advance and finally paid completely off XX/XX/XXXX and closed that month. I never made a late payment on this account. I've tried getting this account corrected with the creditor to no avail. I then disputed this account with the credit bureaus XXXX, XXXX, and XXXX, they did not remove the negative reporting despite receiving proof of payment received before the due date. They are also allowing the creditor to report the account 120 days late in the year XXXX. This account is paid in full and closed since XXXX of XXXX. This is the only account in bad standing and it destroying my chances of owning a home due to the recent reporting negative activity despite it being paid in full and closed. This company has a track record of this behavior and something has to be done to help consumers when we've tried every avenue to get errors being reported to our file corrected. I'm asking that all credit reporting agencies remove the negative remarks and late payments from my credit report.
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Harley Davidson Financial Services is not honoring the provisions of the CARES act in accurately reporting my account to the credit bureaus, making it very hard to obtain a home loan as my credit dropped 112 points due to them not honoring the deferral agreement made on XX/XX/2020 and reporting me as 30 days late for XXXX. Today I was told going into XXXX, my account was showing a due amount of my regular {$740.00} and no P and I past due, I was told this by XXXX, a supervisor. But the payment agreement wiped out the XXXX and XX/XX/2020 payments. My next payment was due XX/XX/2020 which was my fulfillment of the arrangement which was made on time and as agreed, plus extra. Under the CARES act, they are to report my account as current as long as I fulfill the obligations of the agreement. On XX/XX/2020 they reported me 30 days late for XXXX to the credit bureaus, however I was not due for a payment in XXXX but had already made payments in XX/XX/2020 totaling {$1100.00} and XXXX totaling {$1100.00} ; {$370.00} of the XXXX payment was a buy in to the deferral agreement.XXXX wanted to argue with me that despite my test, COVID-19 did not become an issue until mid to late XXXX. Not sure where he is, but that is not true, I can personally attest to that. I have never been 30 days past due per a review by my attorney and a forensic accountant. I am NOT represented in this matter by either.
I can not control a non-at-fault accident that required XXXX and COVID-19, but HDFS seems to think I can and wants to punish me.
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| 05/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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|
On numerous occasions I have called Harley Davidson Finance to get the correct information for the loan that I was joint on back in XXXX.
On today I called again and decided to take notes. The first call I talked with XXXX or XXXX who was very vague and didnt give me all of the information that I needed. He told me to call XXXX which is suppose to be XXXX XXXX XXXX a 3rd party collection agency. After trying this number for over 2 months now. This number goes directly to a voicemail.
I called back Harley Davidson again and talked to XXXX who confirmed that XXXX XXXX number was correct and that it was to the 3rd party creditor.
The loan was financed in XXXX of XXXX for XXXX. Payments was made thru XX/XX/XXXX. The payments was XXXX monthly. Right now this is showing up as the incorrect balance on my credit report. It shows that I still owe XXXX. From the information given the bank sold It at auction for XXXX. So if I borrowed XXXX and it sold for XXXX and I got credit for XXXX payments from XXXX to XXXX the amount that I would owe is XXXX and some change. But of course this is only correct if I got credit for XXXX in payments made for 3 years and 3 months that I paid on. I have requested via fax and email the amounts and after 2 months I still have yet to get them. I am a firm believer in paying what I owe but the balance remains incorrect without the help or assistance of them to fix the issue for me. I am willing to settle this but it seems I need to go a step futher to settle it.
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| 09/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
|
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Harley Davidson Credit XXXX # XXXX Dear Customer Service : My credit report reflects an account with Harley Davidson Credit. This account was closed and vehicle voluntarily returned before I filed a Chapter XXXX bankruptcy. It was agreed that XXXX XXXX would remove this report from my credit history upon return of their collateral, a XXXX XXXX XXXX XXXX XXXX.
Additionally, the loan which I received from Harley Davidson Credit was very unfavorable and the terms of the loan made it almost impossible for me to be successful. My interest rate was XXXX % and my monthly payment was {$470.00} over a XXXX period. At the onset of the loan, I questioned the very high interest rate based upon my current XXXX income and my debt to income ratios. I believe Harley Davidson Credit provided me with a loan product that was unsustainable and knew eventually theyd be able to recover their collateral and sell it for almost the same value which I paid.
I am reaching out to you to request assistance in removing this item from all three credit bureau reports. This item is a blemish on my record and I believe had my income been examined more closely, it would have resulted in a payment that was affordable or the loan being denied due to lack of sufficient income. Unfortunately, this item has put me into a category which has led other creditors want to extend credit at very unfavorable terms.
Please do not hesitate to reach me if you require additional details or further explanation.
|
| 07/12/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had a loan with Harley Financial for a motorcycle that I wrecked before it was paid off. The bike was totaled out, however, I had GAP insurance through Harley Financial ( the company I also had the loan through ) which would cover the remainder of the loan if the bike was totaled in an accident. Well that is exactly what happened, the bike was deemed totaled. With that said, Harley Financial did at first, submit the payment to pay off the loan in full through my GAP. However, they then came back after the fact and reversed said payment, and then submitted a payment for a lesser amount leaving me a balance of around {$950.00}. They then said that I owed them that {$950.00} and started reporting this to the credit bureaus and sent it to collections after NEVER calling me about it. Well in the last year, I even hired XXXX XXXX XXXX to assist me in getting this resolved, but after several conversation and letters sent to Harley Fin., they refuse to stop reporting. They could not even explain why the initial payment was reversed and the smaller GAP payment was submitted. They just kept answering the question with " Sir, as of right now you owe us ... '' and never giving me a reason as to why I owed this money when it should have been paid through GAP. This is false reporting to the credit bureaus on my SSN and they need to be held accountable since they refuse to work with me or the agency I hired to get this resolved.
|
| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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I was a victim of deception. My ex-fianc established a loan for a motorcycle while I was undergoing XXXX treatments. Once I realized what was done, I did contact the company and tried to explain everything, but they didn't care. The motorcycle was repossessed and I was sent a letter notifying me that it was going to be sold at an auction. I never received any other notification from the company until the balance owed showed up on my credit report. The company, Harley Davidson, never sent me a break down of the balance once the motorcycle was sold to explain the balance. I have tried to contact the company several times by letter to get a copy of breakdown in charges and the only thing that I was sent was a copy of the contract agreement that has a electronic signature. My ex-fianc had my personal information and applied for the loan in my name and the address on the loan agreement was partially incorrect. There are many red flags about this situation and I want to understand why I am owed the balance that they state I owe. The loan was generated on XXXX XXXX, in the amount of $ 24,046.80.The loan was for a XXXX XXXX XXXX XXXX XXXX XXXX. The balance stated owed is {$10000.00}. There was a {$3000.00} service contract on the motorcycle per contract, and also {$990.00} XXXX XXXX. These are both refundable items. I am reaching out to your organization in hopes of rectifying my issue with company.
|
| 06/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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After 40 months of continuous on-time payments through our XXXX XXXX XXXX to XXXX XXXX / XXXX, my husband and I decided to trade for a newer XXXX. There were no issues with financing because, as noted, never a missed or late payment.
Since we traded on XX/XX/XXXX the first payment on the new bike was due XX/XX/XXXX. My husband paid, as standard, to the new account on XX/XX/XXXX. Unfortunately it apparently takes 5-7 business days for XXXX to receive payment from XXXX XXXX. Now, today XX/XX/XXXX. XXXX, barely 2 days after the first due date, my husband has received NUMEROUS harassing phone calls for the first payment. He tried to explain that it has been made through XXXX XXXX but just not yet received by XXXX. We also requested that the payment date be moved to later in the month ( say the 10th or 13th as that was our prior bike payment due date ) to avoid this situation in the future and allow time for XXXX XXXX to transfer funds. XXXX/XXXX will not accommodate this request and continued to harass us for a payment. I find this collection tactic appalling. And as a bank employee myself, I do know that until a payment is 30 days late, XXXX has zero collection recourse. We can provide documentation of the bankdraft on XXXX XXXX XXXX dated XX/XX/XXXX ( posted to the XXXX XXXX account XX/XX/XXXX ), but I will not attach via this method until someone from CFPB has contacted me directly.
|
| 03/30/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
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Web |
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I have been fighting with Harley Davidson Financial Services since I was convinced by a misrepresentation of costs associated to finance a vehicle with them was done with me in 2012. Simple saying, I realized that this company is squeezing me with an absurd interest rates and I am simple tied with them to pay an absurd of interest. Which almost will make me pay the amount necessary to purchase XXXX of the vehicles at the final of the term. They had been irreducible and inflexible in almost every attempt I have done to solve the issue. I offered even returning the vehicle for them but the losses at my side of doing so is simple unacceptable. I am trying to renegotiate the loan with them at a reasonable, accepted interest rate or have a offer to purchase of return the vehicle that would be reasonable and fair. I already filled two different complains with the state of Florida financial services but they simple gave me the same responses I got directly from the company. I am pretty upset and feel myself unprotected, mistaken and frustrated. But I will not give up on my rights as a customer. I do n't know if because English is not my first language the sales person took advantage on me convincing that the terms were reasonable and fair at time of purchase. I am attempting to find finally a resort to protect my rights here with this agency
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| 09/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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On or about XX/XX/XXXX, the loan company sent a repossession agent to my house to obtain a motorcycle. Upon requesting motorcycle, I noted there was no way to transport the vehicle. I informed said personnel to obtain a court order for the repossession as they had no paperwork or means to transport the vehicle. I then left the state for work and was told the agents again stopped by in XX/XX/XXXX, twice, with no paperwork or way to transport the motorcycle. My online payment account was closed so I could not make payments in XXXX or sooner of XXXX. I never received written communications from the company regarding payments and struggled to find a way to pay. I was able in XX/XX/XXXX to find my original loan documents that were in storage and proceeded to send the loan company three XXXX payments and a XXXX payment from XXXX to XXXX which was deducted from my checking account. My account was not re-activated, and the loan price remained the same. I called multiple times after I lost my job only to be harassed and put down for not having employment. I have requested multiple times through emails to the company that my account be re-activated. This did not happen in XXXX, XXXX, XXXX, XXXX or XXXX. I have since sent a certified letter to the company requesting either the account be re-activated, or the title be released to me.
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| 06/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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A gentleman by the name of XXXX XXXX has been contacting employees, their spouses, customers, and spouses of customers for a business I own. The gentle has then further informed them that the business is under investigation. Furthermore informed them that I am under investigation. XXXX of the employees he called is on probation, he informed him that he knew the employee was on probation and threatened to send people to the house. He then called that employees x-spouse and made similar threats. That employees can not now see his child because the mother was so intimidated by the call that she does not feel it is safe. That employee may now have to quit to maintain the relationship with his daughter. They have made several similar calls to customers of the business that they have found thru the XXXX page. They have gone above and beyond what the law allows to intimidate both customers and employees of a business I own for a personal debt that has nothing to do with the business. It has had an emotionall distressing and adverse affect on the business both in reputation, profits, and moral. From everything I have read I can not see how this is legal. They have been told on several occasions that I can not be reached at the business and they still call intimidating my employees telling them the business is under investigation.
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| 07/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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XXXX XXXX XXXX Harley Davidson in XXXX XXXX Florida fraudulently esigned my name on my brother 's motorcycle loan as a co applicant. I did not authorize my signature on ANY loan, in fact, I wasn't even in Florida at the time when this motorcycle was purchased. It is my twin brothers motorcycle. He needed a co signer, and although his salesman did call me in Nevada to ask if I would co sign, I told that salesman, and I quote " no absolutely not, for one my wife would not allow it, and second his bill collectors in the past were always calling me looking for him for his unpaid loans, and the insufficient checks he gave them ''. I knew his credit history therefore wasn't going to take that risk of destroying my great credit. However, the salesman apparently esigned my name to the loan anyway, and then proceeded to tell my twin brother I agreed to co sign, and that is absolutely a lie. I tried to dispute it with the credit bureaus but they all have refused to remove it from my credit history. This is a blatant XXXX attempt to sell a motorcycle at any cost. For one I know the law states an individual has to be actually present to esign a document for a loan. Considering I was 2500 miles away in a different city at the time, that would be impossible to do. I didn't even move back to Florida until XX/XX/2019.
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| 10/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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On XX/XX/XXXX, i purchased a new Harley Davidson XXXX XXXX motorcycle for {$15000.00}. On XX/XX/XXXX I brought the bike to the dealership for a recall and when I went to pick it up it was gone. It was picked up by the co-borrower and a third party. The sherriff refused to help and it was several months before I got the bike back from the co- borrower. During that time I did not make payments, several phone calls a day came in from Harley Davidson Financial, including additional calls to my place of employment. I lost my job due to the daily calls at work which slowed my attempts to get the account in good standing. As a result a voluntary repossession took place. To make matters worse, hurricane XXXX hit Florida a few days later and was told I could not pay to get it back because it was damaged beyond repair. I was also told, ( by an attorney ), that because the bike was in the posession of the recovery company at the time of the hurricane, their insurance company would have to settle with Harley Davidson. Not long after I received a letter stating it was charged off as bad debt, affected by natural disaster. Now 3 years later, I just received a collection notice for {$8500.00}. Is Harley Davidson entitled to be paid twice? Am I still liable for the loss even though the damage occured elsewhere?
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| 06/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I have filed numerous complaints attempting to resolve this matter and XXXX from Harley Davidson Finiancial Service is calling me telling me she does not care about what was written to the government-cfpb. Harley responded We mailed a letter to the customer, which is also attached to this response. We explained that the dealership the customer complains of is an unaffiliated third party, and we do not have control over that dealership over matters outside our loan agreement. The customer indicated he is working on a resolution with the dealership, and we encouraged him to continue in that effort. We explained that the transaction he describes between the customer and the dealership does not impact the customer 's loan agreement with HDFS. We again explained our duty to report credit accurately, and that we can not change information we believe is correctly reported. We provided our toll free customer service phone number, and invited the customer to contact us with any additional questions he may have. AND I DID EXACTLY THAT. I called got a payoff letter, then worked it out with the dealer. Only for XXXX to nothing will be done on the deal now since the dealer is paying off the bike and not me. This makes no sense when I made it very clear in my last complaint what I would be doing.
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| 07/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XXXX of XXXX we purchased a used motorcycle from XXXX XXXX Harley Davidson and used their finance company to finance the bike. I never would have signed the contract had I known what we were getting ourselves into. The majority of our $ XXXX payment goes towards interest. I emailed the billing department on XX/XX/XXXX to find out how I could make payments directly to the principal. I was told that I had a simple interest loan and couldn't do that. I have no idea what a simple interest loan is or that that is the type of loan we had. I feel like we have been a victim of a predatory loan. I had no understanding & wasn't explained what the terms were. I was just told what the payment would be. I had no idea the majority of that was going to interest and I couldn't pay to principal also. I thought that was illegal?? We don't even want the bike anymore. We tried to refinance elsewhere and were told we owed XXXX more than the bike was worth so we can't even refinance or sell. I feel betrayed & although this is my XXXXXXXX XXXX, it will most likely be my last. Being done like this took all the joy out of it for me. I heard that Harley had recently fired the person in charge of sales. They need to think about not having loans with these terms also. Returning business is there business.
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| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I was co-signed for my friend who bought the new motorcycle from Harley Davidson in XXXX Texas since 2019 XXXX. Unfortunately my friend did not pay few times on time and it affected my credit record. The dealership did not tell me the co-signed meanings for details. I didnt get any documents for purchase when I signed up for the contract. My friend also was not honest with me and paid the bill on time ( $ XXXX month ), now the total balance is around {$10000.00} left for his bike. Dealership just told me that co-signed can help my friend to build up his credit and sales manager really pushed me to sign the contract for my friend. I have been cheated by dealership from sales person. Now I want Harley Davidson finance service to remove my co-signed. I also paid two times for my friend for late payments about ( {$800.00} )! I swear XXXX I never know what the co-signed means when I know it is risk to me was too late. Now I just want your help to remove my co-signed from Harley Davidson dealership. Currently my friend will continue to pay his bills because he has job and still can build up his credit! It is not necessarily to keep my bad feelings! Its really affected my credit! I really appreciated it!
Sincerely!
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| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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HARLEY DAVIDSON FINANCIAL keeps putting a new account and account balance on a debt that was included and discharged in a bankruptcy and title has been released.
XX/XX/XXXX a petition for bankruptcy was filed that included the loan for HARLEY DAVIDSON FINANCIAL, the loan was paid off for full amount through the bankruptcy and discharged in XX/XX/XXXX. HARLEY DAVIDSON FINANCIAL released the title to me and the motorcycle has been sold. Due to the debt being over XXXX years old it had been removed from all XXXX credit reports at which time HARLEY DAVIDSON FINANCIAL reported it back as a new account being opened with a balance. I have disputed the account numerous times with the credit bureau, and they remove it just to have it reposted by HARLEY DAVIDSON FINANCIAL. I have spoken with HARLEY DAVIDSON FINANCIAL on XXXX separate occasions and have been told that it should be removed and not be reposted and that they would take care of it. The new account being posted has negative remarks and drops my credit score by XXXX points each time, due to debt being discharged by a bankruptcy no negative remarks or actions are supposed to be posted on credit reports and HARLEY DAVIDSON FINANCIAL is repeatedly doing so.
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| 05/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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We purchased a used Harley Davidson motorcycle in XX/XX/2016. I have often signed into my online account with Harley Davidson Financial and scheduled my payment for a date later than the due date. I do this prior to the date the payment is due. Well, the due date is the XX/XX/XXXX ... ..starting the VERY NEXT DAY, I begin getting multiple calls every day asking about my PAST DUE account. Every time, I tell them to check my account ; I have scheduled the payment for later. Every time, they ask why. Every time, I tell them it's because of how my paychecks fall. My scheduled payment is normally 7-10 days after the due date, so it's not like I am skipping a whole month 's payment or anything. I just don't understand why they have to REPEATEDLY call me when they can plainly see I have scheduled the payment. They have no leg to stand on anyway, as my personal banker explained to me that even if they say there is no " 10 day grace period '', by law there is one. They are not supposed to call you until that 10 day grace period is up, but regardless, I have a scheduled payment. There should be no calls to my work or cell phone, much less multiple calls every single day until the scheduled payment has been made.
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| 06/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX two payments of XXXX & XXXX were made to cover XXXX and XX/XX/XXXX statements. ( After a long communication where the lender failed to make a one time due date change in XX/XX/XXXX ). XX/XX/XXXX a Credit was made to the account for XXXX by the lender as well as XXXX day lates removes from credit report and 2 -60 days late changed to 30 days late by XXXX XXXX ( a rep from the lender ). Mrs. XXXX said this would get us current for XXXX. XXXX payment ( due XX/XX/XXXX ) was paid XX/XX/XXXX ( XXXX ), XXXX payment made XXXX XXXX XXXX ), XXXX payment made XX/XX/XXXX XXXX XXXX ), XXXX XXXX and XXXX were deferred due to corona virus but more payments made XX/XX/XXXX {$400.00}, XXXX XXXX, XX/XX/XXXX XXXX.
The company reported XXXX XXXX and XXXX late on credit report. The rep who had been assisting has left for retirement late XX/XX/XXXX and we are getting no where. Additionally they are still saying I owe XXXX for XXXX but Ive clearly overpaid since the first of the year.
This has greatly impacted my credit since XXXX of XXXX when the due date change was never placed as I was told it would be when my request was made. The lender also continues to charge late fees when Im not late.
Please help me.
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| 03/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/2016 I purchased a Harley Davidson from XXXX Harley Davidson, with my purchase they had a package for prepaid maintenance service {$1800.00}. I was told at the time of purchase that I just have to call the service department and schedule a appointment they will pick up the bike bring it in for service and drop it off. I have never used the service when I called to receive my services, The service department told me I had to pay {$100.00} for pick up and drop off. I explained to the department I was never told that and they need to honor the contract they would not honor the contract unless i took the bike to the Dealership. when i called management he looked up my information and told me that my plan was expired and they WILL NOT honor the agreement I requested a refund was denied I called my lender Harley Davidson was told nothing they can do I called back to the Dealership was told sorry. This is UNEXCEPTIBLE my bike only has 6200 miles and they should honor or refund my money. They NEVER told me I had only so much time to use it or mileage just that I had 6 services. I did file a Motor company complain ref # XXXX also. HOW are they allowed to sell plans and not honor or refund customers.
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| 07/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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Acct ending in XXXX was paid in full on XX/XX/XXXX at XXXX am. Confirmation number XXXX for XXXX XXXX in XXXX KY. On that day he signed over and legally notarized the bike to us. As of yet we can not get the Harley fiance department to release the lien. We have called a number of times. They claim they sent a letter XX/XX/XXXX but yet he has not rec 'd anything. He allowed us to talk to the bank and give his permission to release anything to us. We ask that just lien release letter be sent to our BMV so we can get the proper title. Right now because they refuse to do anything on a bike they no longer have interest in we are forced to take money our of our 401K which we will be hit with serve pentalty at the end of the year, until we get the title correct we have to pay off the entire bike with the loan we have. I want a lien release letter sent to our BMV and to be refunded any money we lose due to their unwillingness to release the title when we have a legal document showing the bike is ours not. We have 3 days to fix this until we have to take your 401K money out which will cost us {$7700.00} in taxes that I will need refund to me and all the extra interest I am paying!
|
| 07/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
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Web |
Servicemember |
|
I have had lot of medical issue s and had my girlfriend paying bills that come to mind out wasn't and now that I know about called Harley Davidson financial and asked to refinance or to work something out they refuse they have called late at night and called other family members disclosing my information with out my consent been threatened by them the third party finance recover people and repo guy threats of haveing me put in jail. And I traded and put money down on bike and paid for warranty that was worthless and after all that the total was supposed to be around 11000 now they say I owe them XXXX and change the bike is garbage hasn't ran right it's junk and they knew that I wanted a different bike they pressured me into this said they couldn't fiance that one should have known then it wasn't right but I'm pretty sure they have broken over 4 laws and refuse to do anything or compromise.at the least they should have to remove this from my credit don't know why they would even want it back not running I'm guessing so they can sale for XXXX dollars and come after me for the rest think not. Any help y'all can provide will be appreciated thanks
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$110.00} XXXX individual charges for the same thing XX/XX/XXXX {$510.00}, {$200.00}, {$190.00}, {$190.00}, {$150.00}
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| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Harley Davidson is reflecting a " negative '' criteria on all three of my credit reporting agencies ( XXXX XXXX, XXXX & XXXX ).
This account was opened in XXXX of 2011.There is no past due amount, there is nothing owed on this account. This account is paid in full AND they have made a profit on this loan!
It is showing a one time 30 day late! I was never late, non the less this company continues to send me paraphernalia as I am a CUSTOMER IN GOOD STANDING with offers to purchase another motorcycle. I have no problem with this, however if I am such a great customer, why is my account not reflecting positive - as it should. I am also a member of their XXXX XXXX and have done many sponsored charity runs that the group promotes enthusiastically as it is common human concept of respect to help others.
This account is indicating " closed '' it is PAID IN FULL and the company made a profit on my loan! I have attached a photo of my account which indicates that I am a customer in GOOD STANDING! You can see in the lower right hand corner the date is today!
This negative criteria is creating consumer harm and vetting for job and college loans.
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| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Harley Davidson Financial Services, aka Harley Davidson Credit aka XXXX XXXX refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, Harley Davidson, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. Harley Davidson has provided a false statement to the CFPB and to me. Harley Davidson stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX had me at 30 days late in XX/XX/XXXX, XXXX had me 60 days late in XX/XX/XXXX and XXXX had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with XXXX, 2 with XXXX and 1 with XXXX, XXXX shows me current never late, XXXX shows me 30 days late and XXXX now shows me 60 days late, with no 30 day late before that. Harley Davidson refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.
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| 12/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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In XXXX of XXXX I took my motorcycle to XXXX XXXX of XXXX to have some modifications done. I told them at that time I had over 1000 dollars in gift certificates for their store and the remaining money would be paid by check. There was never a question brought up with financing any of this. A couple months later a Hard credit report shows up on my credit check I periodically do and try to resolve the issue with this company and after many months I filed a report fearing some type of fraud. Come to find out after the investigation it was XXXX XXXX of XXXX that requested this with no knowledge to me, and me not even thinking I would have a credit check done seeing that I was paying for this with no credit involved. I was never asked nor told there would be a check done and was quite surprised to see this happened. I have bought several motorcycles from XXXX XXXX and used their financial network they could have easily went through them to see I have never defaulted or been late with payment on any bike I bought there. Very underhanded move here. I never authorized and credit check for this transaction on XXXX.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I voluntarily called to surrender my vehicle in XXXX and XXXX. My husband was in a XXXX accident on XX/XX/2022. He underwent XXXX surgeries and was temporarily XXXX. In XXXX, the vehicle was placed on the repossession list by XXXX. I called to schedule a pick-up several times. They finally picked the vehicle up sometimes in XXXX. The vehicle was later sold at an auction. I received a letter from XXXX stating that the vehicle was sold and that the remaining balance was charged off.
The account has not showed closed on my credit bureaus until I disputed it three or four times. I noticed that they were closed in XXXX, but reopened. I called XXXX and spoke to a manger. He stated that he would have the account closed on my credit report since it was showing charged off.
I noticed this morning that the account was reopened on my XXXX account. I have been trying to obtain a mortgage modification and this is affecting my XXXX. This account is closed and should remain closed on all three of my credit bureaus.
This account was charged off and the collateral has been sold to a third party by the creditor.
|
| 01/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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Back in XX/XX/XXXX I was behind on my bike note. I then sent {$4500.00} in cleared funds to Harley Davidson. That pmt put me in a current status and paid me up the next at least 5 months. I disputed the balance with the credit agencies since Harley Davidson never updated the balance. Harley Davidson never responded to the credit agencies within the 30 day limit by law they give them, so the line of credit was removed from my report. I have called and spoken with supervisors from Harley Davidson since XX/XX/XXXX. and have been informed that they will put in a REINSERTION OF THIS TO MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES ... BUT STILL HAVE NOT DONE THAT. Per XXXX they are reporting each month, BUT THEY HAVE NOT PUT IN A REINSERTION OF THIS TO BE RE ADDED TO MY CREDIT REPORTS, SO RIGHT NOW I AM MISSING THAT LINE OF CREDIT ON MY REPORT AND IT HAS AFFECTED MY REPORT SINCE XX/XX/XXXX. THIS MATTER HAS BECOME VERY STRESSFUL AND EXHAUSTING. I NEED HARLEY DAVIDSON TO REQUEST A REINSTATEMENT OF THIS LINE OF CREDIT BACK TO ALL THREE MAJOR CREDIT AGENCIES.
THANK YOU
|
| 08/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Harley Davidson Finance AKA XXXX XXXX is not computing their so-called simple interest contracts using the same formulas which change month to month in order to charge more interest to consumers.
Additionally, XXXX is holding payments from consumers and posting them later in order to collect a larger per diem interest rate which makes them more profits and lengthens contract terms to their benefit. It also costs consumers more over the life of the loan in interest.
My billing on XXXX/XXXX/15 based on my interest rate of 12.99 which is basically legal loansharking which SHOULD account for a reduced daily per diem because of a reduced principal balance per the statement states:XX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal : $ XXXXXX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal $ XXXXXXXX claims although the daily per diem interest costs should decrease my interest costs have increased which is the opposite of how so-called simple interest loans operate.
Basically, XXXX contracts need an audit from your agency because this affects XXXX loans & consumers.
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| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
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Web |
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Under law 15 U.S. C 1681I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and only want true information about me reporting. Please remove this inaccurate information as you are in violation After reviewing my credit profile on XXXX I identify a discrepancy with account I did not recognize. I reviewed my credit again XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there has been no updates and account is still reflecting on the report. I do not believe that the creditor has authorization to access that account nor authorization to collect on the account and the account negatively affects me. Please strike and remove this account from 3 credit bureaus.
|
| 08/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
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Web |
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I began questioning the financial company XXXX XXXX XXXX XXXX XXXX ) last XXXX. They said they would investigate and get back with me. They never did and I have had numerous medical issues and surgeries, so I wasn't able to keep on top of it.
In XXXX, I requested a copy of the loan contract and received a contract with numbers that I didn't sign for. This included a loan amount that wasn't what we asked for and no sign of our down payments ; all these numbers were clearly stated on the credit app. Also, it was not signed and when I questioned this, they said that it didn't matter if it wasn't signed.
Last week, I asked them to furnish my entire file and they responded that they weren't required to do this. The only things that they have given to me was the payment history, the loan contract ( 1st unsigned and than all of a sudden signed with transposed signatures from the credit app ) and a Bill of Sale ( that we never received from the dealership, with numbers that don't add up either ).
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| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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I do not have an account or owe Harley Davidson Financial Services ( HDFS ) any money. For the past month, representatives of this company have been calling me about a person who supposedly listed me as a reference. I have not answered. Yet, the company, which is a debt collection agency, has called me repeatedly day after day. HDFS has called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their telephone number is XXXX. On XX/XX/XXXX, a HDFS representative even called me and left a message using another telephone number, XXXX. My phone voicemail is filled with numerous calls from this company. These calls have been annoying and blatant harassment.
The representatives leave voice messages for me to call them back about my being listed as a reference or wanting me to clarify some details. I want HDFS to cease and desist calling me because I do not want to talk to its representatives.
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| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have sent numerous requests ( letters/disputes ) to Harley Davidson Financial Services ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they report accurate information. I have also called them directly.
The last payment ( which paid the balance off in full was received on XX/XX/XXXX. ( {$3600.00} ).
Currently, on XXXX and XXXX XXXX, the information is incorrect - XXXX states that the payment status is not more than two payments past due and XXXX. states that it is 30 days Past Due.
The account should state that it is PAID and Closed and not " Past Due ''. The account was paid XX/XX/XXXX so the XXXX payment should also show that it was paid on time and no late for XX/XX/XXXX.
XXXX, XXXX and XXXX XXXX should also indicate that the account was paid off on XX/XX/XXXX and that the account was not LATE in XX/XX/XXXX ( and that point it was current, paid and closed ). Send this update to the credit report agencies within ten business days. Thank you.
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| 07/30/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Harley Davidson credit Corp XXXX XXXX XXXX XXXX, XXXX Last XX/XX/2018 I had a motorcycle repossessed.voulentary. Harley Davidson financial Corp sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with Harley Davidson I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from XXXX XXXX XXXX XXXX a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX dollar for XXXX dollar that Harley Davidson claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury would agree. With me, after seeing the breakdown of the bill, that I owe XXXX
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| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Harley Davidson of XXXX on XXXX XXXX, had simply forgot to take off my maintenance package for my bike, which was not able to be fixed, because the insurance company refused to pay for the estimate Harley made on a dented motor.
Harley was charging XXXX, and when XXXX claimed the bike totaled, I was left making payments on a maintenance package for over 6 months. The maintenance package contract was supposed to be labeled as breached, and subsequently terminated, due to the fact that I couldnt get a service for a bike that was no longer in my possession.
The Harley Davidson company has apologized, and has claimed to strike the maintenance package payments off the record, but I do not see that in my credit report.
My credit report says that I owe them XXXX dollars, plus interest every month. It also stated that I have been late on my bike payments. These claims are destroying my credibility.
I can not get a financed a car or a bike, due to their false claims.
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| 03/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XXXX XXXX 2016 I contacted Harley Davidson regarding a trade line that has been listed on my account. I do a show here that they deleted the Tradeline, however, they did not delete the inquiries. I have never owned a Harley, nor have I ever applied for one. Please listen to the attached recorded call as Harley Davidson can NOT find me in their system, yet they continue to report negative information on my credit report. Please also find attached letter that I have sent to try and resolve.
At this point I feel that the damage has been done and Harley has violated FCRA and FDCPA, which to my understanding entitle me to around {$1000.00} per violation + attorney fees. I do not wish to litigate, but am prepared to do so if this issue does not get resolved expediently. I am requesting that Harley Davidson not contact me by phone and only do so by USPS Certified mail or via the CFPB Portal.
Looking forward to a hopefully uneventful resolution.
XXXX XXXX XXXX
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| 12/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
Servicemember |
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I was recently XXXX discharged from the XXXX and immediately served divorce papers. She moved out of state and took my kids. I was trying to pay a lawyer, {$1500.00} a month in child support, and was out of work after being in a bad car accident. My first 6 paychecks after returning to work were $ XXXX {$75.00}. All of my pay was taken by XXXX. I am 3 months behind and have been trying to get caught up. They will not allow me to catch the loan up unless I pay all 3 of the missed payments and compounding fees and interest. I am fine with paying those but the only option they have left me is to pay it in one payment within 5 days. The have some investigator constantly calling my place of employment, my bosses cell phone, my phone, and making threats about the police coming to my work. I speak to the loan officer and she tells me one thing then the investigator calls 2 hours later and tells me completely different information and tries to make threats and bully.
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| 02/27/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I XXXX XXXX have received several calls from a debt collector hired by Harley Davidson Credit. My balance shows {$190.00} on all credit reports, yet a debt collector named XXXX XXXX from a collection agency called XXXX XXXX XXXX claims that I owe a balance approximately {$2800.00}. Accordingly, I demand a full accounting of the account, and a cease and desist of all calls from this point forward as mandated under my rights Fair Debt Collection Practices Act. XXXX XXXX XXXX , XXXX is third party debt collector located in XXXX, Arizona. XXXX has been a party to a Federal Court case over 40 times. They have been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX. I have never received one collection letter from XXXX, and I want to resolve this matter professionally but in written correspondence only.
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| 02/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Me and my husband have a Harley Davidson financial account and it is reporting late payment for XX/XX/2017 and the payment was not late that month. I have tried to contact them on the phone and on the web site and all we get back is : Good Afternoon XXXX and XXXX : Thank you for contacting us with questions about your loan and for using XXXX.
We have reviewed our records and determined that your account is being accurately reported to the credit reporting agencies. Accurate credit reporting is required by law ; therefore we can not remove any payment history that has been previously reported.
If you have any questions, you can reply to this e-mail or call Rider Services at ( XXXX ) XXXX-XXXX, and one of our representatives will be happy to speak with you.
Enjoy your ride, Rider Services Team Harley-Davidson Financial Services Which is not correct we paid in XX/XX/XXXXfor XX/XX/XXXXAND XX/XX/XXXX I have attached my bank statement for that month.
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| 09/12/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I sent a certified letter to Harley davidson financial on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Both times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Harley did not supply the info within the 31 days required by law validating the dispute. Also in this time, there is a hard inquiry showing that Harley was notified that was disputed also. this was not validated in the 30 days either
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| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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First the bank approved the loan. Then they changed their mind after me and the dealer already autographed the bill of sale and I autographed the contract.
Aside from the securities theft ( the bank still has my original security and collateral agreement ) and credit card fraud ( they ran my credit but didn't provide any value in return ), I want to focus on the Breach of Contract. Because I instructed the bank, 3 times, to perform their fiduciary duties, and they did not perform.
I'll attach a more detailed description as a PDF because the formatting here gets turned into one huge paragraph.
Also, I'll attach a copy of all the letters I sent. Please note, for each letter, I sent a copy to two different addresses, because the number I called gave me an address in XXXX, NV. But I also found a different headquarters address in XXXX. Anything you see here was sent to BOTH addresses, regardless of which one 's listed in the letterhead.
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| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have disputed an account with both Harley Davidson Financial Services and XXXX. There is a lawsuit against Harley Davidson. The details can be found at XXXX. The original transaction was void, I do not owe the amount that appears on my credit report.
I wrote many letters to Harley Davidson Financial services and XXXX outlining the way the credit report was inaccurate. On XXXX, I sent proof the HDFS that the account was disputed successfully by my attorney to HD 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report.
HDFS replied on XXXX. They say in their letter that they can not verify my account.
I sent all this information to XXXX, so the account could be removed from my credit report. XXXX finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment.
I want this account removed.
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| 05/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
|
Harley Davidson Financial Services.
I am currently behind on my loan payments and have been trying to catch my past due payments ( past due interest ) when it was brought to my attention that every month the finance company is applying partial payments to the past due interest and the rest to accrued late charges. This has been an ongoing issue for over 12/mos now. With this being said. I trying to discuss with finance company that you can not apply partial payments to the past due payments so late fees can be covered they advised me I was incorrect. When requesting a detailed breakdown of the last 12/mos of payments, I received a breakdown of each months payments with no evidence reflecting the reduction of principal, past due interest or any amounts that have been applied to late charges collectively showing the application over the 12mos of late charges paid. his has been an ongoing issue with Harley. Please assist in resolution.
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| 03/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
Harley Davidson Financial Account # XXXX Account Opened XX/XX/XXXX Account was Charged off XXXX for {$14000.00} that was all that I owed. Then after it was charged off they have been reporting it late on my credit report. Furthermore, Harley Davidson Financial was pulling my credit report almost on a monthly basis without my knowledge or permission. Recently, It says on my report I made a payment on XX/XX/XXXX. Which I did not this account has been charged off XX/XX/XXXX. They are not allowed to report inaccurate information and they have. I have been harmed by this on my credit report almost 10 years now.
You can not report a charge off and also report payments or late payments at the same time.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
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| 11/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a new Harley Davidson motorcycle in XX/XX/XXXX. During the loan, on separate occasions, I have to seek a forbearance for XXXX payments that were to be rolled to the end of the loan. This moved my expected pay off from XX/XX/XXXX, to XX/XX/XXXX. I receive XXXX calls per day from Harley Davidson Financial services on my cell phone regarding payments. This has been occurring for the last 6 months. I have requested a payment history, but the company refuses to provide one. The company states I still owe over {$9000.00} towards the principal on the loan. I only financed {$17000.00} at the start of the loan and my payments are {$360.00} per month. After 6 years of payments, the company is claiming that my balance has only decreased roughly {$8000.00}, although Ive paid over {$26000.00} in payments. By their numbers, it would add another XXXX years of payments onto an already 7 year finance period. This can not be accurate.
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| 01/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Approximately in XXXX of 2016 I purchased a new Harley Davidson from a local dealership. Approximately in XXXX of 2016 I was involved in an accident which culminated in the loss of my job. I have missed a few payments, have informed Harley Financial Services ( AKA - XXXX ) about my situation and asked them to stop calling my cell phone every day with no less than 6-8 phone calls a day from various telemarketing phone numbers, recorded messages, and masked phone numbers with a ( XXXX ) area code of my home state. I have repeatedly asked the company to stop harassing me on a daily basis. The company has not ceased the excessive communications, and have now started calling me on Sundays, at all hours from XXXX XXXX to XXXX I have informed the company I am extremely willing to communicate with them and resolve the back balance owed, however I have stopped answering calls and if they do not stop will be contacting my attorney.
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| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX XXXX provided me a loan for 7 years. I have had two extensions during that time for trauma related reasons, that were coaxed into fruition, by the billing department. Claiming they would be helpful to me. Claiming it would change nothing on my loan, simply move the payments to the end- as if they never happened. I purchased the motorcycle in the 3rd quarter of XXXX. My interest vs principal is never consistent. Sometimes, there is no explanation for payment application. Sometimes all of the payment goes to interest. Sometimes, {$95.00} goes to principal- but never is it consistent. It is mid XXXX, and at this time, I owe 29 payments, at best, on this loan- Im sure its probably many more. I can not get a clear answer, why this is happening, or any help to stop it. I am seeking legal representation to sue for the balance of the loan. This has been an absolute wretched experience. They are extremely crooked.
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| 07/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to Harley Davidson Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX XXXX XXXX and also to the credit agencies to no avail. I DO NOT own a Harley Davidson and I never have. This is the result of someone opening accounts in my name.
I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a harley. I have spoken to Harley Davidson and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.
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| 06/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
|
Purchased a motorcycle from a private seller that has his loan through Harley Davidson financial services. Purchased it on XX/XX/2020. Our credit union paid off his loan with HDFS on XX/XX/2020.
Since the purchase I have been unable to register the motorcycle in the state if Illinois due to HDFS dragging their feet on releasing the lien and sending the title to me. On XX/XX/2020 the state of Illinois raises the taxes, title registration and license plate fees by 50 % which will cost me several XXXX dollars more to register than if this had been completed in a timely manner. As of this complaint it has been 14 days since HDFS received the payoff and credited the account as paid off.
HDFS must either expedite the handling of the title and release of XXXXien, or agree to pay the extra costs associated with the registration and tax process, as it will be a result of their slow response.
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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I am currently rewriting my complaint with XXXXHARLEY DAVIDSON CR concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete.
XXXX/HARLEY DAVIDSON CR claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
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| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
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I had cosigned a note with my grandson for a motorcycle with XXXX XXXX, Due to Covid, employment was lost due to the pandemic, I worked with XXXX XXXX to repossess the bike with a verbal agreement they would not hold me responsible. This was over 3 years ago. Since that time they listed it as Charged Off Due to Natural Disaster. The account has been purchased by other organizations repeatedly, Every couple of months they change the wording on the charge off so they can resubmit this and keep it at the top of my report. My score is greatly affected and when I file a dispute and they fix it, it is reported again and moved back to the top of my reports.
I feel this is nothing more than harrassment from the people who purchase the loans and continually sell the off to another to report it again. My credit is perfect other than this continuing problem with this from XXXX XXXX.
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| 08/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
|
I have a XXXX XXXX XXXX XXXX financed through XXXX XXXX XXXX payments are due the XXXX of the month with a 10 day grace period If the payment is not made on the XXXX the next day I start getting phone calls wanting to know when I will make the payment three or four times a day almost everyday anywhere from XXXX XXXX to XXXX XXXX I give them my address and contact phone number. I am a XXXX XXXX XXXX my truck was in the repair shop for three weeks with no other source of income tried to explain this to them and all they want to know is if I can make a payment by credit card or post dated check nothing seems to make a difference to these people they are relentless in their attempt to collect their money. I feel this is harassment to collect this debt. I have other loans with other people and very seldom receive any calls and if I do we resolve the issue with no problem.
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| 02/24/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In 2015 i bought a motorcycle from XXXX XXXX in XXXX. In 2015 I bought my first home with my wife. The home was brand new construction and theft kept occurring throughout our new neighborhood. The new house next door to ours was not yet completed at the time but had all brand new appliances stolen. My new motorcycle was stolen and I reported this to police. I made contact with XXXX and the insurance about what had happened. The insurance covered through XXXX covered what I thought was 100 % of the loan. It infact did not, around {$1500.00} was left on the loan. They told me to have Gap insurance pay the remainder. I was confused with the paperwork and thought I had the right documents and steps taken. I received a debt from XXXX of {$1500.00} that was supposed to be paid for. I continue to be negatively effected by XXXX XXXX company after 5 years.
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| 06/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I receive 5 to 6 calls a day from Harley Davidson Financial. I pay the bill every month, however they call me 5 to 6 times a day, even on Sundays and holidays. Even after I make promise to pay I still receive calls. I have also been threatened by representatives to adversely affect my credit score. For example on today, I have received a call at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all on XX/XX/2023 ). On Friday I received a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This occurs continuously, even the day after I have made the payment. I pay this bill every month yet I'm harassed daily until another payment is made and then the cycle starts over immediately sometimes the same day. I am a XXXX XXXX who suffers from XXXX and XXXX XXXX. I have had to increase my medication cycle because of the constant harassment.
|
| 05/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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I called Harley Davidson Credit on XX/XX/2019 to inquire why my XX/XX/XXXX payment had not been processed yet. The person I spoke with could not even tell me if they had received it yet. Receiving no help in this area, I then asked about a late charge of {$66.00} on a payment of {$1000.00} credited on XX/XX/2019 for a {$540.00} payment due on XX/XX/2019 which included a {$46.00} late fee. She said she could not credit the charge back to the account because in the past payments had been made late. I told her it was unfair to charge a late fee on a payment that was not late. Also this payment brought all principal, interest and fees current before XX/XX/2019. Also billing statements do not describe how and when late fees are assessed or how much is owed on the account. I would appreciate any help you can give me in recovering my {$66.00}.
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| 03/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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We continue to receive phone calls at home looking for " XXXX XXXX '' and " XXXX XXXX '' - often the debt collectors will not reveal whom they are working for or where they have obtained this information.
Today I was able to ascertain, after calling back and speaking with a supervisor that Harley Davidson Financial Services had obtained this information via XXXX. We are on the federal do not call list and do not wish to be contacted As these parties are unrelated to us we consider these calls to be harassment. I was troubled by the tactics used by the collector who would first not identify which company she was calling from ( simply that she was " XXXX '' ) until asked, nor was she willing to release information regarding the incorrect data including the source, she simply hung up when questioned about why she contacted us.
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| 06/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I financed motorcycle and asked company to post my payments and any excess in the payment amount be posted as principle to the loan. This did not happen. Payments were posted as future interest instead. Over the course of 11 months, my payoff amounts increased and my statements show it. When I called last year, the representative told me they were posting them correctly. Then I would get a statement that said I had no payment due for several months. When I made a payment, they would let the entire payment go towards future interest. This was supposed to be an amortized loan ; however, it looks like a Rule of 78 type of loan. My payoff ( I am paying it off ) is essentially the same amount as the payoff on my very first statement even though my payoff amount decreased in the first few statements but then began to rise. Unreal.
|
| 03/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
( RE : Case Number XXXX, dated XX/XX/2016 ) Have attempted several times to access my account with the company in referenced case number. The error notice I get is " Your account is temporarily is unavailable. Please contact HDFS at extension X-XXX-XXXX. This is the same error notice I have received before and called. However, the recording stated the extensions had been changed to XXXX digits and to remain on the line. I was told there was a legal block on my account and after placing me on hold for a period of time, her response was she spoke with someone there but they were unable to speak to me or remove the block and stated she was having her manager speak to me.
I 'm a pain, I admit it, but my identity data was stolen recently and I am trying to verify all current accounts ad advise creditors of recent events.
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX XXXX Complaint ID XXXX, Regulatory Compliance Manager from XXXX responded XXXX this complaint and stated " an update to reflect a zero balance deficiency would be report to all three major credit reporting agencies ; XXXX, XXXX and XXXX. '' I notified Harley Davidson by XXXX XX/XX/XXXX and informed the service representative that HDF is not reporting the correct information related to my XXXX credit report and that I had documentation from the Regulatory Compliance Manager that stated a zero balance was to be reported. To date HDF and XXXXXXXX XXXX continue to provide inaccurate information to XXXX. This is intentional as XXXX is the major bureau auto financing is relied upon. As a matter of fact, HDF outright stopped reporting any information or updating information to XXXX after this complaint.
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed Chapter XXXX in XX/XX/XXXX, and HDFS was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing.
As of their latest update, they are now reporting payment history beyond my discharge date.
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.
|
| 08/25/2022 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
They contacted my XXXX child while they were at school and told them to have me call them about a debt that is in litigation ( we were hit by another person and insurance is paying off the motorcycle ). My husband had XXXX XXXX due to the injury from the accident and we have been at the hospital for 3 weeks while he recovers. They are calling my XXXX child, distant relatives, employers, neighbors.. etc. we have told them to stop calling and they will not. XXXX from XXXX XXXX financial called my son, and my mother in law stating that there was an issue between my husband and I she needed to speak to her about. The tactics are extreme. To call a XXXX child on their cell phone that their father pays for and I am not connected to, and to leave a message for a child to tell their mother, I am appalled.
|
| 09/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
I co-signed a loan with Harley Davidson for a used bike. Harley dealer did not honor factory warranty or the add'l warranty which was purchased. ( 2 statements refusing to do repairs ). Contract was agreed to be cancelled with voluntary surrender of bike. Requests for pick-up of bike took several months for Harley dealer to respond. During this period, collections began thru Harley Loan Servicing. When bike was finally retrieved, Harley 's contractor dropped bike and damaged it severely. WE have a tape of this happening. Harley then tried to hold us responsible for damages. All documentation has been presented to Harley Corporate representative, XXXX XXXX. I filed a dispute with credit reporting last year. I never received any info on results or investigation, or request for documentation.
|
| 07/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Harley-Davidson Financial Services began calling multiple times a day within 7 business days of a late payment. This is a clear violation of the Fair Debt Collection Practices Act 806. Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Below is a detailed call history and the numbers that the calls originated from : XX/XX/XXXX XXXX PST XXXX XXXX XXXX PST XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PST XXXX XX/XX/XXXX XXXX PST XXXX XX/XX/XXXX XXXXXXXX XXXX PST XXXX XXXXXXXX XXXX PST XXXX XXXX In addition to the multiple calls that I receive daily, the debt collector does not leave voicemail messages to identify who called.
|
| 11/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX/HARLEY DAVIDSON CR XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
|
| 04/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
my credit report shows a late payment XX/XX/XXXX which is incorrect. We have made all of our payments and some were by phone but some were online. When we made the payment online, it did not give me any problems or errors but later I discovered it was still due and contacted Harley Davidson immediately to resolve it. I was told there would be no negative rating due to this mishap with the online system but obviously that was not honored. When I called recently they suggested that I do a dispute and perhaps that would work. That doesn't make sense to me but here I am doing what they requested. I sure hope you can help because I'm trying to buy a house and this is holding me back. It is the one and only negative item on my entire credit report. Please help soon, thank you!
|
| 05/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
On XX/XX/2023, I received a call from XXXX. She asked if I was XXXX XXXX. I said I was XXXX and asked why she was callling me. The female was speaking in a low tone. I had to ask twice who she was with. She said she was with XXXX XXXX and that I owed a payment for {$13.00}?? and was I prepared to make the payment today. I could not understand all of what she said I owed. I told her I did not owe anything to XXXX XXXX and that I never owned a XXXX XXXX XXXX. I also told her I was on the " Do not call '' registry. She said my number was not on the do not call list. I told her she had no valid reason for calling me. She offered no explanation about how she obtained my number and name. I told her to not call me again. She said I was rude and then she ended the call.
|
| 08/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I grt a call from a person named XXXX who works at Harley Davidson Financial. He calls me almost 5 times a week and I have proof on my phone bill that shows and states this. I have asked him numerous times when he calls to stop calling me numerous times and he still continues to call me on my personal cell phone number that is listed. This is unacceptable and I will not tolerate this abuse. I have reported him to Harley Davidson customer service and they have not done anything about this. If this continues to happen this will leave me no option but to file with an attorney in my local town and sue Harley Davidson and this guy XXXX for unfair practice and harassing and calling when I have stated numerous times to stop calling me I dont know who you are
|
| 01/15/2020 |
Yes |
- Credit card or prepaid card
- Gift card
|
- Trouble using the card
- Trouble using the card to spend money in a store or online
|
|
Web |
|
|
My daughter and I both purchased Harley Davidson gift cards as XXXX gifts for my son. When my son went to the Harley store to use his gift cards, 2 of the 6 cards would not work. We have called XXXX and Harley and have been told that XXXX ( a third party company ) is responsible for making it right. We have called and emailed XXXX, sent them copies of the 2 cards and the receipts for the cards and XXXX responded by telling my son that they were aware of an issue but " would not refund the money ''. We paid {$25.00} per gift card and still have all of the proof of purchase. We either want WORKING cards or a full refund! This is fraud and is unacceptable!! XXXX is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. Phone : XXXX. Email : XXXX.
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Harley Davidson is reporting a late notation on XX/XX/21 on my credit file. I recently looked at my credit and noticed some this late on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Harley Davidson report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Harley Davidson please take leniency on my hardship and remove the late as a onetime goodwill adjustment.
|
| 08/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
As of today XX/XX/23, Harley Davidson Financial Services has repeatedly called me every hour starting at XXXX XXXX This has resulted in XXXX calls from them already today and it is only XXXX XXXX XXXX XXXX
They are in direct violation of the fair debt collection practices act, which prohibits debt collectors from harassing consumers. Last month they called me XXXX times in XXXX days, I asked them to stop harassing me, and told them that they are breaking the law by incessantly calling me repeatedly. The FDCPA states that debt collectors can not call you more than 7 times in a week!! For some reason this company believes they are above the law.
I am again asking that they stop harassing me, and stop calling me repeatedly every single day.
|
| 05/17/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
A company has been calling me, my extended family ( to include in-law s ), and EVEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator XXXX XXXX ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA. After some internet research, the information for the company is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX
|
| 10/23/2015 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Older American |
|
On XXXXI got a call from XXXX XXXX XXXX XXXX a man namedXXXX XXXX XXXX This was in reference of a motorcylce i had finance by Harley Davidson Credit. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how.
Original I had notified Harley Davison Credit of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level.
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Today, I am writing this complaint to XXXX XXXX XXXX regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history, and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
|
| 07/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
receive multiple calls daily from Harley Davidson Fin. serv. XXXX a nd three times daily at various hours. This in regards to a 2014 Harley XXXX I 've had the MC for appx 14 mos. I have repeatedly told this co. that I can not afford to pay for it. I also informed this co. several times that I took all insurance off the bike. Harley continues to make calls to me. I said that they could have the MC back for {$1800.00} that I paid to have extra parts put on the bike. I kept my payments on time for over a year. I paid XXXX cash money for a Harley. Now, Harley is threating repo. Due to all these harassing calls, I feel that debt is paid in full and my intent is to file harassment charges against Harley.
|
| 01/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Sometime in XXXX Harley Davidson Financial Services began contacting my cell phone which is my only phone and I rely on it for my work as a nurse and when my school aged children need me. They call me XXXX but I 'm most assuredly a female. I have never owned a motorcycle or taken out a loan for one. I told them repeatedly to stop calling me and take my number off their list. I have asked to talk to supervisors. I have asked that my calls be recorded. Most recently they called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Enough is enough. I am on the do not call list. I have contacted the XXXX, and made complaints each of the last three times with the FTC.
|
| 08/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I got a loan through XXXX XXXX XXXX for a new bike spring of XX/XX/2017 the out the door cost was {$25000.00} they told me the interest was 7 % later on it changed to 19 % and at the end of the loan I would be paying over {$40000.00} for the bike Ive made my payments for the past year which where {$670.00} a month Ive asked XXXX to lower my interest rate because I previously had a bike through them that I payed off completely they refused I feel they put me in a loan that is outrageous and is made to put people in default and should not be allowed to write loans like that for motorcycles and I would like help getting my interest rate and loan amount lowered please
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Harley Davidson Financial Services reported my account delinquent which they admitted was an error. After many discussions with the account representative XXXX, she worked with her supervisor to issue a correction to credit bureaus. At present one credit bureau is still reflecting two months past due which were corrected with the other bureaus. I had placed calls letting them know this starting back in XX/XX/2021 ; and, most recently in XX/XX/2021asking for a call back. I informed XXXX on a voicemail ( I can no longer reach her ) that I would be filing a complaint with CFPB on XX/XX/21. I tried her again today, XX/XX/2021, but could not successfully reach her.
|
| 06/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Harley Davidson Financial Services call me and my fianc multiple times a day, including Sundays at XXXX and XXXXXXXX XXXX just to tell us we are late on our payments. We know. We have spoken to HDFS and told them we were struggling to make the payments since we were hit with a pretty big financial struggle just months after buying the motorcycle. We tried to do a voluntary repossession, and HDFS would NOT allow us to do so, at which point we said, then we will pay what we can every month until we get back on our feet financially. They call REPEATEDLY from different numbers, to where I have had to block every single number associated with HDFS.
|
| 12/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Harley Davidson ( XXXX ) has been calling my cell phone number repeatedly, looking to collect from a person named XXXX XXXX, who, it seems, listed their number incorrectly when purchasing something. I was very polite at first, letting them know they had the wrong person, and they should find another way to get in touch with that person. In the last XXXX weeks, I believe I have received XXXX calls from them ( sometimes XXXX attempts in a day if I don't pick up ). I have now spoken to them at least XXXX times, now demanding that they remove my number and stop calling. But the calls persist. I am at a loss at this point as to what action to take.
|
| 10/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2016, XX/XX/2016, XX/XX/2016 for my Harley Davidson account.
I understand, and have great respect for my financial obligations.
Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to being laid off from my job.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
In the near future, I am planning on applying for Mortgage loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
|
| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR HARLEY DAVID # XXXX DEAR CRA / HARLEY DAVIDSON ; I was going through my motorcycle Harley Davidson finance and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.
|
| 10/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment marked on my credit for last month. I just bought the motorcycle and this can not be happening.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 11/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Harley Davidson Financial has been calling me at work. I have told them twice now not to call me at work. They called on XX/XX/XXXX at XXXX and I told them to not contact me at work. They again called on XXXX and again I told them not to contact me at work. When I got to work this morning, I had a message to call XXXX at XXXX XXXX. I XXXX the number and found it to be from Harley Davidson Financial. They have also called my ex-wife and two of my friends in the last month and half. They have told them not to contact them and they continue to call them. They don't care about the laws and think they can do whatever they want.
|
| 09/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.
|
| 11/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Harley Davidson financial continuously calls starting at XXXX EST, immediately the day after the payment is due on my loan, I pay them in 2 payments one week I pay half usually before the due date and the following week I pay the other half of the monthly payment due, sometimes its a few days over the due date, nothing crazy over, theyve told me theres no grace period on the loan even though the customer service rep said theres 15 days before a late fee is applied. I have emails with scheduled payment dates to show that the payments were scheduled and bank account statements to back up their receipt of payment.
|
| 02/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Harley Davidson is calling the office for debt collection of an employee that has not been here for over 2 years. When I return there call and try to explain they inform me that they ca n't remove the office number because we do n't have an account number. I do n't know which ex-employee they are calling about so we ca n't get them to stop calling. No name, no information so the calls keep coming multiple times a day and it interferes with us doing our work and we are a XXXX that needs to work with the residents, not get tied up with a debt collection of someone who has not worked here for at least a year.
|
| 09/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I bought I bike from hardly Davidson it was used I put down XXXX it was supposed to drop down the price the tag price was XXXX. After all collation it went up to XXXX with the XXXX down should have been XXXX. But Im paying so much in interest and the bike was XXXX model. Every month I pay so much toward the interest not the principal. I called and complain to the company but no action. That information wasnt giving to me when I bought the bike. But no action. At this point I paid over XXXX but the bike price didnt drop at all so far over XXXX in total and the interest is so high please help Thank you
|
| 02/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
My ex cheating girlfriend wrecked her old XXXX XXXX and it broke her leg from collision long time ago. She wanted a new motorcycle she could not buy it with ruined credit scores so I was stupid kindly co signed a 2008 XXXX XXXX for her just to make her happy but then she screwed me over and deceived me she rode off with her several trashy secret lovers.
She removed my co owner 's ship on the bike and added it to her new boyfriend 's name. I need these unwanted information stored on my credit reports removed. All they do is causing me to have money damages and ruined my life!
Truly yours XXXX
|
| 11/05/2018 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from Harley Davidson.
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, XXXX. It should be noted because XXXX is now attempting to be in the CREDIT REPAIR BUSINESS they are violating privacy laws sending affidavits to various organizations without the permission of the victim. I requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.. XXXX refused to respond
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by XXXX and XXXX. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.
|
| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Due to Covid I got behind on omy payments several times. In XX/XX/2022, I caught my account up. I asked the lender to delete the late fee and delete the past late payments from my credit report. The representative deleted my late fee on that call ; However, they have failed to delete the late payment history from my credit report. I have called them serval times to remind them of my rights under the cares act to and request my file be updated. I have also informed them that they are violating my rights based on 15 USC 1681A 2A : Reporting late payment is reporting a transaction.
|
| 06/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I am a XXXX XXXX XXXX recently assigned to XXXX XXXX orders.
Harley-Davison Financial Services, subsidy of Harley-Davidson Motorcycle Company, has refused to honor the XXXX XXXX military orders, and keep my account under Servicemembers Civil Relief Act. All other creditors have honored my orders except for this company.
They had initially honored the orders back in XXXX XXXX XXXX , and then terminated my SCRA terms in XXXX , and are charging me late fees for the past two billing cycles in addition to inflating my interest rate on the loan.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the XXXXXXXXHARLEY DAVIDSON CR came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
|
| 08/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Harley Davidson financial has called me, sent me letters, and come to my house, when I do not owe them any money, and I have never had any financial arrangement or loan with Harley Davidson ever. The person who owes the money has not lived in my house for more than two years. I need them to stop calling me two times every day, sending letters to my home that are not addressed to me, and to stop sending debt collectors to my home! I have asked them at least 50 times not to bother me again. The most recent call was today from XXXX, Harley Davidson financial services.
|
| 12/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Harley Davidson Financial Services calling more than XXXX times daily to collect on account that is late no more than 1 day.For example, if pmnt. has been made online thru their very own website the day before being tardy they will begin calling the very next day.Have stated on phone if 1 hour overdue account is late. I do not want credit rating affected in negative manner because of their overzealous collection practices. This company is allowing very unfair and unprofessional business practices to be performed and should definitely have a grace period in place.
|
| 06/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
According to the company they sent a letter to me explaining that two of my scheduled payments were received late, which resulted her account being delinquent at those times. They also claim that they explained the " Good Standing '' message on their website was about on my account.
This is false! I never received any explanation about the good standing on the web site. It also does not indicate my account has been paid in full! This adverse information is posing an issue with vetting for another auto loan including student loans for college and my job!!
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I filed for bankruptcy and it was discharged XX/XX/2020. My loan with XXXX XXXX was included in my bankruptcy. After my BK was discharged, I disputed the info and the notation was updated to XXXX balance. Since then, XXXX XXXX has continued to update my balance on the account as outstanding & not included in bankruptcy. The latest update on XX/XX/2020 on my XXXX credit report listed the account as having a balance of {$10000.00} and the remarks state charged off/affected by natural disaster/fixed rate amount in high credit is original charge off amount.
|
| 09/02/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased a motorcycle threw Harley Davis, I had a XXXX an was XXXX for XXXX months, this happened 60 days after I purchased I continued to make XXXX more payments, they came got the bike an it had XXXX miles only on it an they sold it to another bike company for XXXX. I paid XXXX. Some how that did n't seem right or just. They billed me for the rest of the money lost in the loan, it 's XXXX yrs old now an I feel they should have to remove it ; my Credit has suffered long enough due to this XXXX. I was hit an was the innocent victim of all this.
|
| 07/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Filed with the Better Business Bureau asking for validation of this account as well as have spoken to the company. The company told the BBB that they was sending information. The information received was them asking for all of my personal information. I advised the BBB that what the company sent was a letter wanting all of my personal information. I want this removed from my credit bureau files immediately. The company is using a stall tactic and not responding with a full validation, instead trying to get me to send them my information instead.
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I filed a Chapter XXXX bk on XX/XX/2017 on Harley Davidson Financial. I contacted this company and filed several disputes in the past with no satisfaction. They are still reporting me on the credit bureau as the account as open, which is incorrect- ( Following comments in taken from XXXX credit report via XXXX XXXX ) -- -- -.Current Payment Status On Payment Plan Worst Payment Status No Info Account Details Account status Open Since this account is included in a confirmed Chapter XXXX-I want these connotations removed by Harley Davidson
|
| 08/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
After contacting Harley-Davidson Financial Services and later CFPB regarding my issue of applying SCRA benefits ; my benefits still do not reflect on my online billing statement. I had waited for this to update and be resolved by the company, as I was still being charged beyond the 6 % interest rate per the SCRA benefits.
Now they have reported my account as delinquent, which shows up as " negative '' on my credit report. I have tried resolving this with CFPB reportings, but HDFS continually fails to comply with both SCRA and CPFB.
|
| 05/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
We put a few notes to the back and they did n't tell us they were accruing interest, so when the time came that all our notes due were paid. We still owed XXXX dollars from interest on those payments. Even though we were paying all future notes on time for a period of about XXXX years. They kept reporting we were late paying and still had an outstanding balance. This interest that was gained on the post dated notes were going to cost us the XXXX plus interest while paying on that. We tried to get it straightened out but to no avail.
|
| 02/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE!
It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time ....
nothing about this account is ACCURATE!
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report.
The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX ; this is in violation of the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The first problem is the loan is in my Husband name. XXXX XXXX of XXXX XXXX XXXX XXXX, Ohio XXXX. It's with Harley Davidson Financial Services. I turned the motorcycle over to a bike shop to remove the add ons I placed on the bike and per Harley Davidson Financial I advise the bike shop owner to contact XXXX XXXX and get the bike. The XXXX XXXX is not in my possession and I am still being harassed by Harley. I have given them XXXX number and address and told them to leave me alone. Please make them stop contacting me.
|
| 02/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Over the last two months, Harley Davidson Financial Services has called me 125 times ( 53 in XXXX, 72 in XXXX ), In the last week alone, they have called me 33 times. At the time of this writing, they have called me 5 times today. Four of those calls were between the hours of XXXXXXXX XXXX and XXXX XXXX. I typically work 8-12 hours shifts between the hours of XXXX to XXXX. I can not answer my phone at work unless it is official business or an emergency. At this point, I consider this HARASSMENT by a creditor.
|
| 11/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Once again Harley Davidson is continuing to call me after i made payment arraignments. They have called me twice after XXXX. The first time they called me after XXXX i told them i am working in Maryland apparently they did listen because they called me at XXXX on XX/XX/2015. I told them again that i was working here in Maryland. They called again this morning on XX/XX/2015. I asked them why they are calling me after payment arraignments are made once again i did not get a answer. They are becoming unbearable.
|
| 03/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
On Thursday XX/XX/XXXX, I called Harley Davidson Financial Services. I paid XXXX dollars to bring my account current. I received a call XX/XX/XXXX. I returned the call at XXXX XXXX and was told the vehicle is still up for repossession after bringing the account current. I am told this morning the vehicle is up for repossession for this month 's payment which I still haven't received the statement for. They attempted to strong arm me while on the phone telling me that it they may take off the repossession.
|
| 05/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Delay of an average of 3 days between receipt and processing of my loan payment while allowing interest to continue accrue for that period. This extends the payoff of the principle on the loan by increasing monthly accrual of interest applied to the monthly payment.
Have sent periodic payment via Certified Mail/Return Receipt Mail to track time between receipt and processing payment to get this average.
Have spoken to Harley Davidson Financial Services on this, but they refuse to change the practice.
|
| 06/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
HDFS gave me a settlement offer I told them I was selling it to the dealer then a lady named XXXX violated my rights. The dealer said all they needed to pay it off was the letter then XXXX discriminated and discussed my account. The federal Gramm-Leach-Bliley Act of 1999 created a new opportunity for you to limit the transfer of your personal financial information. The law attempts to balance your right to privacy with financial institutions ' need to share information for normal business purposes.
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is not due to identity theft just the incorrect reporting of the account on my consumer report. Harley Davidson Credit Corp is continuing to report late payments on my report in violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). This is also violating my Right to Privacy, Defamation of Character, the accuracy of the report, negligent Non-Compliance, Civil Liability, and Mental Anguish. See attached documents...
The same letter was sent to XXXX XXXX XXXX XXXX. Have had no response as of yet.
|
| 07/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have asked Harley Davidson many times to stop calling me, they refuse and say that I have to send a certified letter to their attorney to make the calls stop.
They call 5 times a day every day, which I believe violates the law because they are not supposed to call me more than 7 times over a 7 day period.
In the past 4 days there is a total of 22 calls from them. They call at XXXX on Saturday and wake me up, i've asked them to stop.
They call on different numbers.
Please help me.
|
| 03/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I came to a payoff agreement of XXXX with the credit collector in XXXX to pay and close the account which I did. It posted and updated as closed onthe other XXXX credit bureaus but XXXX. Ive sent documentation showing. Ive contacted Harley, credit collector and repeatedly XXXX. Each time its we have the information and proof you sent it should update in XXXX hours and everytime its wrong. Its taken forever to get a solution and the report fix and to be right. I need it updated ASAP please
|
| 04/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
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.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Harley Davidson Financial Services still shows my account as a bad debt for collection with a balance of {$10000.00} although the account was included in my bankruptcy ( BK final XX/XX/2020 ). I have called into their customer service line XXXX separate times ( XX/XX/2020, XX/XX/2020, and XX/XX/2020 ) to correct the reporting. They will temporarily fix the credit reporting and then the balance/collection will reappear months later on my XXXX, XXXX, and XXXX credit reports.
|
| 08/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been late making my Harley payment and have been working on catching up over the last few months and even after telling them and confirming a time that I would make the payment, they still call me up to 20 times a day. I work nights and have repeatedly told them that it affects my sleep to the point where it is affecting my job but they continue to call two to three times an hour. Like I said this is after I have talked to an agent and set up payment arrangements.
|
| 09/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
My motorcycle was stolen in between JXX/XX/XXXX-XX/XX/2019 and my insurance company XXXX payed the motorcycle off and I didn’t know I had a balance left over, which I payed once I found out about the unpaid amount. I called to talk to someone About my situation which they just blew off. So I filed with each credit agency to have the late payments removed for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 but they keep saying it’s accurate.. my account is 100% on time..
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
|
| 12/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American, Servicemember |
|
The company starts at XXXX a.m., calls numerous times every day, XXXX days a week and stops at XXXX p.m. to include customer service direct and robo calls. They should not be able to call more than XXXX time a day and not on Sundays as this is our religious holiday. If you provide information it is to be recorded on your file and they need to stop the daily phone calls. Nothing changes from XXXX hour to the next or from XXXX day to the next. This is harassment,.
|
| 12/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
We have verbally and in writing asked Harley Davidson Credit Services to NOT call me at my employment. They still continue and now have a third party call and state they are an investigator looking for me. I have written proof asking them to stop and have the screen shots of the work phone and messages from my employer telling me all the things that are said and asking for me to get them to stop because it is upsetting to the staff. I work at non profit church.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
in accordance with the fair credit reporting act XXXX Account XXXX XXXXharley davidson , XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 09/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA.
XXXX XXXX XXXX
|
| 10/09/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am behind on my motorcycle payment, and understand that money is owed. I have spoken to them informing them to my situation and they continue to make 5-7 calls per day often one after another. I have no problem with daily calls as they are attempting to collect money that I owe them, however the volume of calls is straight on harassment. While I do admit that I owe them money they are violating FDCPA guidelines and it needs to be corrected.
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, Harley Davidson Credit has violated my rights.
15 USC 1681 section 602 states I have a right to privacy.
15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666 B ( a ) Creditor may not treat a payment on a Credit Card account under an open end Consumer Credit Plan as late for any purposes.
|
| 09/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
While validating an account this company sent me a letter saying that they simply saying they are not required to investigate because they did not receive sufficient information, which is false. I sent a letter with my information. While monitoring my credit report month-to-month I noticed this company did not submit the notice of dispute with XXXX but reported supposed for the month, which I know is a violation according to section 623.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 11/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American, Servicemember |
|
On XXXX XX/XX/2016, i had a loan and my balance Amount was {$11000.00} thru Harley Davidson Co. I voluntary surrender my vehicle due to financial hardship as XXXX veteran. The company sent my account to 3 credit bureaus as bad debt, charge off the comments was Profit and loss write off. It's unfair for me, of not getting approved to get an apartment because the credit bureaus refuse to delete my account because is verified and accurate.
|
| 11/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account was settled and closed with Harley Davidson financial services. XXXX associates is now contacting me saying that I owe them {$7100.00} Acc number XXXX My business with Harley Davidson was finished completely. No debt was owed. This company is impacting both my co-signer and Is credit score as well as there ability for a loan. It is not my debt to be paid. I need it removed as soon as possible.
Thank you, XXXX XXXX XXXX XXXX
|
| 08/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account HARLEY DAVIDSON FINA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that HARLEY DAVIDSON FINA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 07/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Harley Davidson has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX in XXXX. Both Harley and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.
|
| 02/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Sunday XX/XX/2022 I received a called from Harley Davidson advising that my payment was due after which I explained to the female that I was sick XXXX XXXX and I would make the payment when I recover. She then told me that calls would continue and I told her that if I asked them to not call, they had to cease their harassment. They have called everyday and now calling my place of employment. This is clearly harassment
|
| 09/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company contacts me several times a day and claims that they are allowed to call every day if they do not reach someone and also that they are allowed to call every three days after they speak to someone. I have asked them many times why they do not have to adhere to the Debt Collection rule and all they say is that their policy says they are allowed to do it and if I disagree I can have my lawyer contact them.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 States I have the right to privacy. 15USC1681 section 604a section 2 also states that consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666b A creditor may not treat a payment on a credit card account under an open consumer credit as late for any purpose.
|
| 01/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Bought a XXXX XXXX with Harley Davidson Finance. Was assured there is no prepayment penalty. Tried to payoff in large payments only to realize monies being applied to interest on whole term loan. The interest was souring high. The only way to get out is to pay full current amount with current interest. Partial to that is applied to full loan maturities amount.is this legal to charge interest for full term amount?
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 11/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on HARLEY DAVIDSON FINA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 04/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Numerous phone calls at work even after I have stated that I am not allowed to receive personal calls as well as threats in regards to showing up at my job and contacting my manager directly. I have provided the hours that I am available after work and they are closed during those hours so they told me that they will continue to call me at work and leave harassing phone messages on my work voice mail.
|
| 07/06/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My family and I are being harassed by Harley Davidson Credit for another persons debt. This has been going on for almost a year. They show up at my house day and night. I have called the company to explain to them this person does not live here serves times but they refuse to leave us alone. Now they are calling members of the family in other states but I am the one who is harassed constantly.
|
| 02/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XX/XX/XXXX, an 84-month loan was opened in my name through XXXX XXXX XXXX. I have disputed this item several times by sending certified disputes as per the FCRA and FDCPA guidelines for disputes. The first letter sent XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX both through XXXX signature required. Both time they failed to meet the response requirements set by both the FCRA and the FDCPA.
|
| 03/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
My payment is due on the XXXX of each month, I have explained to them that my husband is sick, and they start calling me on the XXXX in the morning at XXXX and then every 30 minutes after that until XXXX, and this goes on for days. they continue to call until I pick up the phone. They should not be allowed to call this may times in one day.. That is over 8 times a day.. this is harassment.
|
| 04/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I have gotten a few weeks behind on my payment. Because of Covid. I have never been 30 days late or later. I receive many calls everyday. I am not allowed to sleep or eat in peace. Plus I am being charged unfair penalties while being harassed daily. I have begging the company to stop harassing me to no avail. I have paid a service to block calls and am considering changing my number.
|
| 03/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have submitted my payment online to have it withdrawn on a certain date. Then after three days of my bill being late I speak to an agent letting them know that the payment is posted online to be withdrawn on a date I selected. The agent looked at the system sees the payment is scheduled to come out on a date I selected. Then the next day I get four or five calls requesting payment.
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have repeatedly told Harley-Davidson Financial Services to NOT call me at work about my motorcycle loan. I have called the company numerous times to tell the XXXX man who can barely speak English to STOP calling me at work. His name is XXXX XXXX and he tells me to call XXXX. This keeps happening over and over and over and it is harassment and I've reached the end of my tolerance.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}
|
| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2022, I noticed that Harley Davidson opened a closed account in Charge-off status. I made a phone call on XX/XX/2022, the person stated that they opened the account with it in dispute. They are also showing that I have a monthly payment. I did attempt to make a settlement payment of {$800.00}. The person stated that Harley Davidson would not take the payment.
|
| 08/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are two addresses on my report ; one which I have no relation to : XXXX XXXX XXXX XXXX, TX XXXX Address ID # XXXX Single family.
I also have a hard inquiry on my report that does not belong to me : XXXX XXXX CRED Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
|
| 06/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
They called my parents on a number that was not provided to them and discussed specifics about my auto loan that I am currently behind on they told them all my personal information I am XXXX XXXX XXXX. They have also continuously harassed me with multiple phone calls from multiple numbers throughout the day and delivered letters to my door in person representatives.
|
| 05/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Harley Davidson Financial has been calling me everyday all day repeatedly. I called them and made payment arraignment. They are still calling and harassing me. I told them that they are harassing me and they said according to my contract that they are allowed to call me up to XXXX times a day. I told them by law it is still harassment and they called me back again.
|
| 09/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Payment History is negatively reported late on each of these months, they threatened to take the property over and over by mail.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
|
| 02/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
The account with HARLEY DAVID with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.
|
| 06/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I traded my vehicle in on XXXX XXXX 2016, and a payoff check was sent overnight via XXXX for the payoff amount.
Harley Financial AKA XXXX XXXX then labeled my account PAST DUE and still refuses to record the full payoff check to my account so they can add fee 's and costs along with damaging my credit in the process because they claim the pay was received.
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Harley Davidson is reporting a debt on my credit file I do know. I had disputed this information because I thought that the insurance paid the debt, after my findings that they didn't I contact Harley and settled the debt with them. Yet they are still reporting this erroneous balance on my credit report. I need them to remove this immediately.
|
| 06/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Due to financial hardship fell behind payments Kept calling more than 5+ times per day even after telling them To stop calling me Never stopped while at work while trying to rest on my days off it was very upsetting and felt threatened Also MY NAME IS WRONG ON THE FILE My name is XXXX, XXXX XXXX THE FILE IT SATAES XXXX XXXX XXXX XXXX
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
|
15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
|
| 04/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Checking account would not let Harley Davidson Financial cash checks. I just recently was able to schedule payments using Visa. I have been called by them and by some pretending to be an investigator XXXX XXXX XXXX at XXXX. Shortly after that call a random number calls at XXXX and another at XXXX, demanding I talk with them now.
|
| 06/11/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I filed a dispute against XXXX on the CFPB XXXX responded and did not remove Harley Davidson, They said this was joint with my husband. This is guilt by association. XXXX never provided me with a contract that I signed neither did Harley Davidson in XXXX XXXX Nevada. This is not my debt, and should be taken off my credit report
|
| 06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX company is reporting XXXX late account # XXXX loan opened XXXX and paid off, they will not remove XXXX late its been over XXXX years. I have hired XXXX XXXX to remove it and they told me I must file this report. Its way over the statute of limitations.
This XXXX XXXX loan was on XXXX and XXXX XXXX names Thank you
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report is showing late payments to XXXXHARLEY DAVIDSON CR XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or HARLEY DAVIDSON 's customer service representative.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This bank charged an account in XX/XX/23 its showing last payment made XX/XX/23 also showing open on XXXX along with missed payment reported today, This is a violation. Also showing late payments for the last 8 month when they had the vehicle in their possession, also a violation. I will be reporting this to FTC.
|
| 11/25/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I am currently behind in my payments to Harley Davidson motor corporation. They call my phone 6-8 times a day and will not stop even after I have told them I am trying to get the money. This is starting to borderline the attorney point. If this continues I will seek an attorney and sue for damages and fees.
|
| 04/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I got a loan for a harley davidson bike, i fell on hard times and could not make the monthly payments. To my knowledge i think the bike was repoed after i was contacted by a repossession agent regarding the bike. The bike is now on my credit report stating i owe almost XXXX damaging my credit really bad
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have made sure to make my payments on time for XXXXHARLEY DAVIDSON CR with the account number XXXX. This account should not have late payments statuses in my record. Make sure to provide me with any documentation about the late payments being done in the month indicated in the credit report.
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.I demanding immediately deletion of this in accurate fraudulent information.
|
| 07/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I am on XXXX XXXX military XXXX and sent in documentation to Harley-Davidson Financial Services on XX/XX/2019. They have not yet honored my SCRA Benefits request. This is the second time I have issues with this company not honoring XXXX military XXXX and failing to implement SCRA benefits.
|
| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Harley Davidson Financial is at the point of harassing me with multiple phone calls everyday due to a loan payment being late. I do pay my payment every month but they call 3-5 times per day including Sundays if I am late 1 day. This has become very stressful and would appreciate some help.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
HD Credit is reporting an erroneous debt on my credit file that I do not owe. This debt was paid by my insurance. I received confirmation that the debt was paid. This should NOT be a charge off. I do know owe this debt and I am requesting that this report to show the paid and closed.
|
| 09/07/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Harley Davidson continues to call 4-5 times a day daily even though they are aware of the medical situation I am in I have attempted to make payments but because I can not pay the full amount they claim they will still repossess the bike and they will still call every day 4-5x a day
|
| 06/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
They tell me XXXX is the only one I can speak with but she refused to accept my calls. Or return them. Customer service representatives are purposely putting me on hold never coming back to the line. They are attempting every effort they can to prevent me from resolving this matter.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have multiple loans with inaccuracies, and need to hold the companies to the law. In this case its Harley Davidson Finance, the loan was paid off on XXXX XXXX and as of today XXXX XXXX its listed as late and open. along with multiple other discrepancies on dates and amounts owed.
|
| 03/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the XXXX XXXX XXXX if I do not send them money.
|
| 04/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Item showing I owe a balance of {$23000.00} I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX XXXX Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
|
| 07/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I previously had a Harley from the dealership back in XXXX of XXXX. I sold it back to Harley Davidson in XXXX of XXXX. I gave them {$7100.00} and they bought it back for {$20000.00}. I have the bill of sale and the statement. Just wont go off my credit.
|
| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have tried to contact them several times. They have reported me 30 days late 8 months and I was not late. They keep telling me thy will get back to me but have not heard back. They also reported 60 day late payments 2 years after it was paid off.
|
| 08/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Harley Davidson Financial Services Frequently violate the XXXX rules attempted to contact me 5 times or more in a single day on multiple occasions within a week period. Told them to stop calling me so much only to receive a call an hour later
|
| 01/13/2019 |
No |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
Harley-Davidson will NOT STOP running my credit. I've been there ONCE and I have several hard pulls that I DID NOT authorize. I do not answer their calls for a reason. The salesman are pushy, to the point where it's getting slightly weird.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Harley Davidson Financial ran my credit report on the XXXX of XX/XX/2022 without my signature or consent. I was alerted through XXXX and XXXX that they did a hard pull on my credit. I did not authorize or consent to this credit pull.
|
| 05/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
Servicemember |
|
In XXXX I financed a motorcycle through Harley Davidson Finance. In XXXX the loan was paid in full, however my loan was a charge off account. This has caused me to be denied credit for the last 2 years, because of their report.
|
| 07/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
HarleyDavidson collections was Paid for debt owed on XXXX XXXX,2015. STILL shows as being open on XXXX XXXX credit. called this establishment and was told that it takes 30 - 45 days to be removed. It has been 43 days effective today.
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was a cosigner on an account the other individual declared bankruptcy and claimed this vehicle in his bankruptcy without my consent. The account is still being reported as active and monthly payments due. I had no say in this.
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX XXXX XXXX XXXX FRCA Violation address and names XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX
|
| 02/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I keep having calls regarding a debt owed to Harley Davidson. No one at my number has any dealings with the company calling. I've told them to stop, and they continue to call and hang up now that I don't answer the phone.
|
| 05/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX XXXX XXXX XXXX starts calling 3 days after payment is due up to 3 times a day. XX/XX/XXXX. XXXX XXXX XXXX I have mailed payment early & continue to get late payments added to my account. This has occurred since 2014.
|
| 04/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I am 3 days late on my loan and harley Davidson financial had called me over 15 times in the past three days. H I have requested all contact to be written and mailed to me and they refuse and continue to call.
|
| 03/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I have tried to fix this numerous times with no luck and they have to license to collect in my state and repossessed the bike and sold it for nothing and the debt is over 4 yrs. in Texas making it over with
|
| 05/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is an old account reporting since 2011. This account was PAID IN FULL and should either indicate as such or be removed for being on my report more than seven years past the statute of limitations,
|
| 05/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Harley Davidson has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This Harley Davidson Credit account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX and XXXX incorrectly continue to report the account as " Open ''.
|
| 03/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I continue to receive harassing calls from Harley Davidson financial. The have called twice today. Continue to threaten repossession. Continue to be little me. Called at XXXX and XXXX.
|
| 12/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There are 8 derogatory late remarks having been reported incorrectly. Please remove these negative remarks, I have reached out to the creditor and they were rude and of no assistance.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have tried to dispute inaccurate late payment directly with Harley Financial services. They are continuing to report incorrect information. Please see attached file for review.
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX IS THE ONLY BUREAU THAT IS REPORTING THE INCORRECT BALANCE ON THE HARLEY DAVIDSON ACCOUNT ON MY CREDIT. THIS NEEDS TO BE RECTIFIED OR THE ACCOUNT MUST BE DELETED.
|
| 06/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
XXXX the HDFS manger called the XXXX police on me and filed a fake police report saying I was suicidal. Im a young XXXX man in Missouri this couldve gotten me killed.
|
| 09/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Harley-Davidson financial keeps harassing me about a motorcycle that I dont have. Stop calling my phone and sending me letters as I do not have an account with you.
|
| 03/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Harley has reported {$1500.00} income to the irs that they never issued to me which has now got my taxes audited for not reporting income I never received.
|
| 10/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Harley Davidson calls at a minimum of 4x a day! First thing in the morning and then 3x an hour later.. I have all documents to prove it on my call logs!
|
| 01/30/2017 |
Yes |
|
- Credit reporting company's investigation
- No notice of investigation status/result
|
|
Web |
|
|
I got 2 letters in mails, First was saying the bike was re-POed Second was saying it was sold in a auction, paid more then it was worth.
That was it.
|
| 07/02/2020 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XXXX XXXX in Maryland is repeatedly calling my friends and family, and my employer as well as my place of business after being asked not to.
|
| 11/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Collector calls non stop. XXXX/XXXX/15 called 6 times within 10 min leaving no message. On normal day calls 8-10 times per day.
|
| 05/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX reports my acct past due, this is inaccurate i get no reply from XXXX the credit agencies are ignoring my requests
|
| 08/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
harley has called 13 times since XX/XX/2023. They asked to stop i was told they are with in the law and will keep calling
|
| 07/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
still reporting on my credit from XXXX saying missed payments and refuse to remove comments that are damaging my score
|
| 05/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
XXXX XXXX has agreed to buy back! I demand you remove this account from all 3 bureaus while I take bike to dealer.
|
| 06/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have disputed these ACCOUNTS WITH THE XXXX FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS
|
| 06/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This is an old accounting XXXX agency needs to remove and cease all firms of communication
|
| 02/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Never applied for credit Never authorized ANYONE to run my social security number
|
| 11/05/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid the in full what I owed vehicle was in a flood
|
| 02/06/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
|
Web |
Older American |
|
|
| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 02/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Referral |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
|
| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 01/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Phone |
|
|
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 12/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 09/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 07/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 03/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 02/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Postal mail |
|
|
|
| 12/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 06/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Postal mail |
|
|
|
| 06/04/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American, Servicemember |
|
|
| 05/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/03/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 03/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Phone |
Older American |
|
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 02/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 02/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 12/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 12/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/30/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/04/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/09/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 08/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 06/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 06/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 06/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 06/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 04/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 04/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 04/06/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 03/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 11/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 09/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 09/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 08/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 08/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
|
| 05/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Postal mail |
|
|
|
| 05/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 04/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/04/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 11/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 10/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 10/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 08/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/22/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 05/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 04/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 12/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Referral |
Servicemember |
|
|
| 09/16/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/30/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
|
| 04/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 04/10/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/07/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/18/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 12/19/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/13/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/04/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 11/03/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Phone |
|
|
|
| 08/23/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/18/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/13/2014 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 06/16/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/13/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 04/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 02/18/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/17/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
|
| 01/21/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 01/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/06/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 10/25/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 10/04/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/03/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/17/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/20/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 08/14/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/24/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|