davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$9800.00}
Consumer complaint received 2016-06-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IL)

PNC closed out my checking account back in XXXX of XXXX. They sent no letter or explanation as to why and took {$170000.00} of my money. As of Friday XXXX XXXX, XXXX there is a small balance in the account but it is still open and there is a hold on it. I want to know how a bank can get a way with this. Giving a customer no reason as to why they are closing the account by way of XXXX CLAIMS DEBIT. I called several times and asked for an explanation and never received anything. ( I have enclosed a copy of the last statement of the checking account showing the withdrawal. )
Consumer complaint received 2015-06-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (TX)

The name of the lady that contacted me is XXXX XXXX phone number at XXXX, she said she was with XXXX XXXX out of XXXX, texas, she told me I had felony fraud charges against me and a useless check issued and that XXXX the woman told me I was going to XXXX for 108 days and I was going to have a warrant out and I never receive any mail from these people to see If they are legit please help me, my name is XXXX XXXX and XXXX number is XXXX, thank you
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (ME)

I somehow got multiple paypal accounts with XXXX different emails but the same social security. I was signed up for the credit portion billmelater AKA paypal smart connect. I was not informed that I had a XXXX credit card with paypal. I set up payments with my bank for products yet I keep getting calls stating I am late on a payment. I can not find such late payments on the paypal sites even after signing in with each separate email address. I can not figure out how to access the site properly and when I contact paypal via emai they never help other than send me a generic email that does not wnswer my questions. I had set up scheduled payments via my bank account and now it says on paypal that I can not set up scheduled payments until bank account confirmed- WHICH it is confirmed since I have been making payments with this bank account all along. I am confused and I can not figure out how to use the NEW paypal website. I can not access transactions and I believe paypal has made its site confusing just to add late fees and extra charges. I am beyond frustrated and angry with paypal and my accounts are so tangled up and confusing that I do n't now what I actually owe and how to get help from paypal ironing this out. I do not want MULTIPLE accounts and I am tired of getting calls stating I am late when I can not find anywhere on the paypal site nor from my emails that I am late on any payment. Other than phone calls from paypal, I am current on all my accounts. Something is not right and I need help figuring it out.
Consumer complaint received 2015-12-30
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL (MD)

The company calls me from XXXX to XXXX repeatedly non stop. I have told them I lost my Job several times and to take me off robo call. Also they were to relay the message in their notes. They still call me even after I make small payments though i dont have a job. The company also reported negative remarks on my credit even though i have been trying to make payments with no job and am totally compliant. I recently caught up on the payments and the next payment seems to be more than what I owe for the minimum. I payed up and they called me yet again non stop and filled up my cellphone mailbox the very next week.
Consumer complaint received 2017-02-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Atlas Credit Company, Inc. (TX)

This lender had shown up at my house and left a business card with my XXXX XXXX XXXX son. I then sent a letter of non-contact, requesting to no longer be contacted through phone or in person, but only via USPS mail, and cited Fair Debt Collection Practices Act. They have since called me and said that they " are not under that law according to their supervisor XXXX XXXX so they are going to continue to call. '' Today they called me at work. This is unacceptable. I have also sent a Pay for Delete letter to their home office, certified mail, that was picked up yesterday, I believe, which also requested contact via USPS mail only.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MI)

My Nordstrom 's XXXX Credit Card, Account # XXXX. I had some fraudulent charges on the card, timely notified Nordstrom, who issued me a Credit and a Replacement Card. 
Although I have a replacement card, Nordstrom 's will not activate the card until I forward them a valid State of Michigan Identification ; Social Security Card, and billing statement from another creditor. To expedite the activation, I sent all these documents plus my United States Passport to Nordstroms by next day mail, costing me over {$50.00}. They received it the next day, I  tracked the package through the Postal Service but did not even look at the material to update my card for several weeks. I also went into their local store in XXXX, Michigan, met with the head of their financial service office in that store, gave her a copy of my Idnetification, Social Security Card, United States Passport, and billing statement from another creditor, XXXX XXXX. She called their main office with me present, who she could obviously identify as she has picture identification, and me present so she knew it was me, and Nordstrom continues to refuse to activate my card.
Consumer complaint received 2016-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MD)

After numerous times to obtain a loan modification with PNC only to have them repeatedly lose my info, I attempted to do a short sale. There were so many unresolved issues with PNC and I hired several attorneys to help me work through this. As PNC threatened foreclosure, my attorney recommended bankruptcy to stall the sale while we continued to work with PNC. There were several offers but PNC would not consider them. My real estate agent ended up getting himself hired by the Trusteee. The bank changed the sale date several times and even though there were offers, they foreclosed on the house and sold it to XXXX of my attorneys. It was my understanding that an attorney could not benefit from their client 's misfortune. I have spent so much time and effort attempting to do my part, only to left with the deceptive talk and work done by PNC. I am hoping there is come recourse. It is my understanding that the house is getting ready to go up on the market again ... ... .. Thank you!
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C. (FL)

Trident Asset Management has insisted that I owe them a debt of {$2100.00} that I have tried to explained that I have no knowledge of. I spoke to a XXXX XXXX who would not understand that this is not my debt or a possible fraud. She expressed that I am still liable for the debt. I have contacted the original creditor and they have no record of such incident taking place.I have also contacted my bank and they too have no record of such incident. At this point I am requesting the assistance of this department.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (FL)

I signed up for a PayPal credit account and did not know it was a credit account. I thought it was the regular PayPal account which I had another credit card attached to. 
I thought the practice was deceptive in nature. I also do not remember them indicating they where going to check my credit. If they did check my credit it was not understood on my part, I never gave them permission unless it was in some fine print I did not read. 

Very unhappy with Paypal.
Consumer complaint received 2015-10-16
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Regional Adjustment Bureau, Incorporated (TX)

I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month.
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NC)

I contacted IC System about an account on my credit report that is not mine, but instead belonging to a family member. The agent I talked to acknowledged that they knew that the account did not belong to me and the agent said they will not remove it from my report until said family member pays the debt. I did not give IC System permission to use my credit for any purposes.
Consumer complaint received 2017-03-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (NY)

I received a collection letter from XXXX XXXX XXXX. They claimed i owed Paypal XXXX {$430.00}. I called paypal to verify and they ensured me that my Paypal account was closed and no past due balance on it. I am very worried and scared this will mess up my credit report. I also accidentally gave them the last XXXX of my social. This is fraudulent, please stop them from doing this to other people.
Consumer complaint received 2016-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: The Regional Adjustment Bureau, Incorporated (CA)

The debt collection agency Regional Adjustment Bureau is trying to collect {$18000.00} for an old private student loan, even though the 4-year California Statute of Limitations on the original loan has expired. They call my cell phone, and the phones of my family members, constantly. Sometimes, they do n't even say anything when I pick up. When I do speak to any of their representatives, they are always rude and threaten to sue me or take me to court over the debt. They have also put my debt in collections, which affects my credit report.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On XXXX XXXX my vehicle was involved in an accident. I notified Credit Acceptance of this and continued to check back in with them to keep them updated on the situation. I received a call on XXXX XXXX from Credit Acceptance and they requested payment which was not due to XXXX plus towing fees because they stated I abandon the vehicle, therefore they went and got it and charged me with the fees. First, I never abandon the vehicle I have a paper trial with the company from the day that this begin and has informed them of every action that I am taking. For the last month they have stated that because I " abandon '' the vehicle and they are the lien holder, they went in got the vehicle from towing yard because the vehicle was incurring fees by sitting in the yard, I was aware of that, I called them and told them that. I spoke with several agent about this issue and they all reviewed the notes and agreed that is why they picked up the vehicle, around XXXX XXXX I Spoke with a agent by the name of XXXX and she stated to me that someone at their company went in and place the abandon status on the vehicle and that is what cause them to tow the vehicle. That is what concerns me the most, Each time that I have reached out to them about this issue, Credit Acceptance has given me the run around and I am exhausted from dealing with this, Please assist me with issue.
Consumer complaint received 2019-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (FL)

Vehicle has had issues since the we received the car, car and never gave option given the first issue regarding the steering they requested chance to have it repair while this ran up time with the return warranty, therefore once the vehicle was received back from manufacturer it wasnt able to be returned. Feels as if they set me up. They never offered to trade it for another car. Regarding last complaint this was offered. To trade in the vehicle. If there is a trade in option on the table They need to send proper paper work and start this process or have manager handle this issue professionally as the experience hasnt been the best. Company is lying, my requests were denied I have records of everything. The vehicle was never accepted to be returned even upon receiving it and issue being recognized while receiving the car. This is my last formal attempt, to mediate and get the issue resolved. Caravana is very negligent while resolving issue regarding their own personnel handling costumer issues. The car was never accepted to be returned again If you want the vehicle taken as a trade in send me paper work but the funds for vehicle must be covered close to what is was bought for and the next car will be heavily inspected. Just need this issue fixed this is not fair at all, given that we were proactive with everything and in time frame. We feel as if it might of been maybe issue with representative not handling the issue as it should of been at a professional level.
Consumer complaint received 2019-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. 
I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. 
This company sent me a statement or letter showing I owe a balance. THey have not sent me anything showing my signature proving this debt belongs to me. 
I need this company to stop reporting this debt illegally to my credit report. I have also contacted the attorney general as this company has not provided me any documents bearing my signature proving this debt is mine.
Consumer complaint received 2019-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (NY)

XX/XX/2018, I paid off my car loan. The bank never sent me the original title. Recently, I requested the title ; however, I received a letter stating that I paid off the loan. Again, I requested the original title. This time I was sent a lien release letter. I called again and I was told they sent the XXXX   DMV an electronic lien release. I was not told why I have not received the physical title. 

This is not the first time I have had an issue with Key Bank being my loan servicer. Initially, when I paid off the loan they refused to automatically close my account. I was also told that I had to close the account in a Key Bank branch, and I would incur a fee for everyday the account was open. After complaining and threatening to file a formal complaint, my account was closed.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed an XXXX credit card with Transunion on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Transunion has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Transunion send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Transunion verified this account and Transunion will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

a collection agency by the name of " XXXX '' continues to place a XXXX balance on my credit report for an account that DOES NOT belong to me. I have spoke with them directly as well as XXXX and explained that I was a victim of identity theft, which was documented on my credit report and my credit was even " frozen '' at one point while this was sorted out. Unfortunately they continue to report this and is now showing up as being in collection status, which I now need assistance in having it permanently removed.
Consumer complaint received 2016-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DE)

I scheduled an online payment on chase.com in XXXX of XXXX and XXXX XXXX that was not completed due to a flaw with Chase computer system. As a result the monthly mortgage payment was not paid on time. Generating, a negative credit rating. Chase has a record of me logging in for the payment both times. The company is refusing to correct the problem. I was told by supervisor XXXX that my credit would be amended due to rise with online payment errors. I was even instructed not to use the online account and just call in payments as free option. XXXX felt this would provide confirmation for my payment to avoid anymore damage to my credit.
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I get some accounts on my credits reports with XXXX balance who was closed on XXXX and not going to be removed until XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$22000.00}.