davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Designed Receivable Solutions, Inc. (CA)

On XX/XX/2016 I reviewed my credit report and saw that XXXX was reporting negatively on my report to all XXXX Credit Bureaus. I have then contacted XXXX thru certified mail and requested a validation of the said debt pursuant to FDCPA. On XX/XX/2016 Design receivable Solutions sent me a copy of diagnosis or what was done to me from XXXX without my consent. As per HIPAA no medical information should n't be released without the patients consent and in this case I have not given any form of consent bearing my signature to XXXX nor Design Recovery Solutions to release such information on my behalf. I have sent a a certified letter to all XXXX CBs regarding this violation but to no avail I have not received any response from either one of them and to this day it is still showing on my report. I am requesting that XXXX to delete the said negative report due to HIPAA Violation other wise I will be filing a small claims regarding the said matter for defamation, violation oF FDCPA including but not limited to section 807-8 ) and HIPAA violation. I have all the proof should you need them please advise.
Consumer complaint received 2015-07-27
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CNG FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX at XXXX - XXXX Services XXXX demanding payment through a debit card visa or mastercard only. When I attempted to give them my XXXX XXXX XXXX XXXX XXXX the refused to take it, and then only gave me XXXX hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in XXXX hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

I checked my XXXX XXXX about a month ago and saw that i had a $ XXXX XXXX bill that said it was closed. I've never had service with XXXX ever in my life ... i attempted to call them on multiple occasions and they just hang up on me. I also have a police report. The XXXX XXXX police department told me they can't give me a physical copy but a case number and to call for any questions.
Consumer complaint received 2016-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After years of repeating telling Portfolio Recovery to stop calling our number, I finally wrote a letter to them & sent it certified return receipt requested. They rec 'd it XXXX/XXXX/15 & are still calling ( called yesterday ). The letter was from a sample from XXXX XXXX ( consumer advocate ). HELP!!!
Consumer complaint received 2016-06-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. I sent a letter and asked for validation, all I have received from them is just another bill and 2 addition letters saying they wo n't provide additional validation. I have asked them 4 times for validation but to no avail. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-04-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I got a call for Portfolio say i owe them {$1500.00} and how i will like to pay it i ask them to give me some information on the debt i owe they say they cant tell her over the phone i have to send a letter in to them I them send them a letter of verification of the debt the send me a letter saying the have completed they investigation and the send additional documentation for my review witch is only a print out of a account statement for a balance of {$1000.00} and did not send me anything i ask for in my letter of verification for the debt Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Copies of any documentation establishing that the debt you say I owe is valid ; Copies of any documentation establishing the date the debt was open ; then they keep on call me ask me to pay the debt I ask for the information i ask them for in writing a over because the cant see nothing were i send a letter and i most have send it to the wrong address I told them it was a register mail them i send them back a register mail NOTICE OF INSUFFICIENT VERIFICATION and the send back the same letter ans statement and still calling me to pay the debt
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I am receiving multiple phone calls every day from this company. They never leave a message, but continually call from multiple different phone numbers. 
This company has also called my relatives acting as a court service and left detailed messages on my relatives ' voicemails.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Siwell Inc (NC)

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  OF : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX,, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

I had a loan with Hyundai Motor Finance. Paid off the loan on XX/XX/XXXX for XXXX $ via check. But the company told that they never received the check even though they received it and told me to make a online payment of XXXX $ same day in order to avoid further charges. They even told me that if they receive the check it will be voided. As soon as I did the online payment they took out two payments one for XXXX $ and XXXX XXXX On asking for the refund for the overpayment of the loan they told me it takes 15 days to process the refund. I have been calling Hyundai since then every friday for the loan over payment check but havent received anything. I am getting different answers from hyundai that they are processing and after that they told that they are sending but it might take a while. I have been waiting for the money since last 4 months. They are not even willing to expedite the delivery of the check in order to help me out. I can provide the proof of statements for the over payment. Also I have written multiple letters to the complaint department in Hyundai regarding my issue but no response from HYUNDAI MOTOR FINANCE.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Equifax, Trans Union and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
Consumer complaint received 2024-05-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (OH)

I sought counsel regarding this matter in XXXX after making the last payment in XXXX of XXXX. 
In XXXX of XXXX an attorney assisted me in drafting a letter to XXXX XXXX, auto lien holder, regarding disputed outstanding balance and the payoff amount and date. 

Interestingly enough, the vehicle was repossessed on XXXX XXXX, after five years of being paid off. 

Of course, I no longer use this as my primary vehicle, but was nevertheless shocked to find it missing out of our driveway. 

My husband called the sheriffs office to report missing and to our surprise we were given a number of a towing company. 

The towing company stated they were given a work order from XXXX XXXX and I requested a phone number because I didnt have any communications with them and the car has been paid off nearly five years.

The representative asked me to prove that I didnt owe on the vehicle. I explained this matter was settled years ago with the original lien holder and I have not received any correspondence regarding this matter. 

This must be one of the most outrageous experiences Ive ever had. I would like to : 1. Understand my consumer rights of debt notification, 2. Determine how to get my sons car back, and 3. Determine what recourse we may have to sue for wrongful repossession, attorneys fees, and wasting our time and energy explaining why I do not owe an outstanding balance on a XXXX vehicle that was paid off five years ago. 

Can you please let me know your availability for a discussion? Thanks in advance.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (MI)

For the last two plus years I have been trying to get a loan modification from PHH Mortgage. In the beginning it was XXXX XXXX who sold my mortgage to PHH. I submit the required paperwork only to be sent a letter that states my packet is missing some document. I resubmit all the required documents ( which I did the first time ) only to again receive a letter that states the same thing that I am missing a documents. I was notified XX/XX/2015 that my home was going to be sold at a sheriff 's auction. My lawyer again submitted the paperwork, only to have the date postponed until XX/XX/2015. We were told they were looking everything over and that the sale was postponed until XX/XX/2015. I was under the impression that this would not go through as they finally acknowledged they had everything needed but no response from them and on that date my home went into foreclosure with them never once offering me a modification. I want a modification and do not want to lose my home.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

My complaint is regarding a Paypal account to which I have a linked credit card and a bank account. My credit card is in good standing, as a XXXX dollar limit, a no current balance. 

About a month ago, instead of charging my card for recurring payments, Paypal was now taking my scheduled payments out my checking account which I did not authorize, and has nearly caused XXXX overdrafts. 

When I tried to resolve the issue, I had to enter the details of my dispute into a Paypal online form. There is NO customer service number, chat or way to connect with a live person. It took Paypal a week to get back to me telling that they denied my claim for {$11.00}. I was completely baffled as this had nothing to do with my complaint about them switching my payment methods without my authorization. I was told that the case closed and denied. The problem now is that Paypal is restricting me from closing the account due to my complaint not being closed, even though they messaged to indicating that they had done so. 
I have deleted my credit card and bank account from Paypal. There is no number to call or option to take in order to close my account. I do not want Paypal having any of my data and feel as though Paypal has constructed this road block to keep people from closing their accounts. The balance is XXXX in the account, I owe no money and any recurring payments I had, have been cancelled. I want the account closed and I've tried 5 times over the past month to do this to no avail. Please help me get my account CLOSED.
Consumer complaint received 2021-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

I noticed a decrease in my credit score from XXXX on XX/XX/XXXX and upon looking at why, it showed that a collection agency had filed against me. I called the Caine and Weiner debt agency and enquired about the account. Apparently I have been a victim of identity theft because it was an amount of {$280.00} that originated from XXXX for a XXXX XXXX, this account was opened in XXXX. I explained to them that I have never owned a XXXX XXXX or had an account with XXXX. I have been informed by XXXX  ( paid company to monitor my credit/personal information ) that my phone number has been seen on the dark web, and whoever used my information, may have used my phone number to get the information. They also had my driver 's license number.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (TX)

Purchased online dating service XXXX XXXX XXXX was overcharged for the database and did not have the database I was looking for was charged {$8500.00} and they would not send an email to the XXXX to ask someone to join the club that I was interested in.
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

I paid my cellphone bill on XXXX/XXXX/15 which was {$210.00}. It posted on XX/XX/2015. I went shopping earlier and I glanced at my balance and notice I had n't spent as much this weekend as I thought. Come to find out my cellphone bill charge had vanished. I call Wells Fargo and was basically told that it 's done that way with larger charges to let the merchant bill it. I asked my larger charges and they said it creates potential for overdraft charges. The put the {$210.00} back in my balance hoping I would spend enough to make it overdraft.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CHARLES SCHWAB CORPORATION, THE (TX)

I have a retirement account with Charles Schwab. On their web site, they advertise that customers with certain amounts of money with Schwab qualify for mortgage rate discounts. From their web page, it looks like I qualify for a 0.25 % rate discount. For this promotion, they have a tie in with XXXX XXXX. When it came time to find out what the mortgage rate was, the XXXX people assured me that the discount was applied but the rate they offered me was the same as what both XXXX and XXXX XXXX offered with no discount. I consider this to be very deceptive advertising and operating on the part of both Charles Schwab and XXXX XXXX.
Consumer complaint received 2016-06-15
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MI)

Today I received an email from Western Union. The email stated that a {$270.00} transaction failed. This transaction was between a person posed as myself and my mother. The transaction was going to someone in XXXX, but we live in XXXX. I believe my identity was stolen. My ID has been stolen and I believe someone tried to make a transaction with it
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, Experian, XXXX and XXXX. 
I would like to have XXXX removed from all reporting agencies : Experian, XXXX, XXXX and XXXX. 
I would like to have Home At Five removed from all reporting agencies ; Experian, XXXX, XXXX and XXXX.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc. (CA)

In XX/XX/2020 I opened a personal loan through self inc. I scheduled auto payments to be taken out of my acct every month so I would not miss a payment. I was then asked in XX/XX/2020 if I wanted to open a credit card with self with a limit of {$100.00}. I Signed up. Since the loan and credit card is linked I assumed that the credit card was also on auto payment. Fast forward to XX/XX/XXXX and I get an email stating that Im 60 days late. I called the customer service line and they stated its only on auto payment if the loan and credit card have the same due date. They said they emailed me on my payment due date. I did not receive notification as I checked my emails dating back to XXXX. I have since then set up auto pay and paid the credit card down to {$23.00}. When you go onto the self inc website it states Im on auto payment, I checked multiple times. It does not say loan is on auto payment not the credit card. So to conclude I was told the credit card was on auto payment which it wasnt, I was never notified that it was past due and when on the website it does not say it is NOT on auto payment. The consumer sees auto payment enables we assume they both are. Now I have a 60 day late so my credit score dropped from XXXX - XXXX. All for an activation fee that I thought was on auto payment.
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (IL)

My bank, TCF, was robbed by a digital fraudster, and now the bank has taken it upon themselves to deprive me of my deposits until they see fit. I want my deposits back on demand, as per the function of a bank, and I would also like {$34.00} for each cent they have stolen from me, for each day that I have been deprived of my funds, as this is the fee structure in my agreement with the bank.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

It has been 10 years since my bankruptcy and I wanted to have it removed from my credit report. I was successful with XXXX as they did remove it but Experian and XXXX are playing XXXX and pretending it is not their job to update those records. They claim they go through a third party for that information but both refused to give me that third partys information. I found out online who XXXX uses and their customer service said that it really is up to the credit agencies to update what they report and not report. 

I just need some help getting this removed, I have been patient and the fact that one agency decided to remove it shows that my request has merit. 

It seems like both Experian and XXXX and just trying to make it harder for people to rebuild their credit even 10 years after a bankruptcy.