davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I received an alert on my XXXX report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XXXX XXXX bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. XXXX are know for illegal actions such as this XXXX. I have enclosed a copy of an XXXX report dated XXXX XXXX XXXX that shows the original creditor hsbc/household finance Corp account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with XXXX servicing on my XXXX as of XXXX XXXX XXXX with this expired debt. The date opened is the same XXXX of XXXX. This debt is expired and should not be on my report. Hsbc has been deleted from all XXXX credit bureau since XXXX of XXXX. XXXX have purchased and expired debt.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (MO)

To whom it may concern, I write to you with great concern regarding the recent unfortunate incident involving my XXXX Kia XXXX vehicle and Kia Motors Corporation 's and Kia Motor Finance 's actions in this matter. 

My vehicle was stolen early XXXX, which has been linked to the nationwide crisis resulting from Kia 's failure to incorporate a standard anti-theft engine immobilizer that has been an industry norm for the past two decades. This issue is compounded by Kia 's lack of response to rectify the situation, and its subsequent handling of the matter has been both disappointing and unacceptable. 

Subsequent to my insurance company 's assessment of the vehicle 's value at XXXX, the funds were remitted to Kia with the expectation that the difference would be refunded to me, given the residual value of just over XXXX. However, Kia failed to provide an appropriate and ethical resolution to this matter, as it retained the payment, effectively profiting from its own manufacturing incompetence. 

Such actions not only breach the trust that I had placed in the Kia brand, despite this being my second Kia vehicle, but also constitute an egregious violation of the law. Therefore, I urge Kia to reconsider its position and provide a just and equitable resolution to this matter. It is my expectation that Kia will rectify the issue immediately to avoid any further escalation of this matter.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 Fair Debt Collection Practices Act - 807. False or misleading representations
Consumer complaint received 2016-07-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Note : This is related to a previous CFPB complaint I filed XXXX/XXXX/XXXX against Capital One. A total of XXXX files are attached including XXXX XXXX XXXX XXXX XXXX and a call log " XXXX. '' THE CALL LOG AND FILE NAMES CONTAIN THE PHONE NUMBER AT WHICH THE CALLS WERE RECEIVED. 
XXXX. Beginning XXXX/XXXX/XXXX while awaiting response from Capital One concerning the CFPB complaint filed XXXX/XXXX/XXXX I began receiving robocalls from " XXXX '' from Capital One. Through XXXX/XXXX/XXXX a total of XXXX calls of this type were received. These calls state " Hi this is XXXX. We would like to discuss solutions regarding an important business matter with Capital One. Please call us back today at XXXX to discuss further. Again the phone number is XXXX. Thank you. '' XXXX. Beginning XXXX/XXXX/XXXX robocalls from a " new '' caller from Capital One named " XXXX '' commenced ; XXXX of this type were received through XXXX/XXXX/XXXX. With XXXX exception all calls from " XXXX '' appear to be the same : " Hi this is XXXX from Capital One. We 've been trying to reach you about an important personal business matter. Please return this call at XXXX. Again the number is XXXX. Thank you. '' XXXX call XXXX XXXX/XXXX/XXXX XXXX just starts with " XXXX '' but the rest of the message is the same. 
Who the " you '' that Capital One has been " trying to reach '' is never revealed in any of these messages.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (HI)

I had a XXXX Bank of Hawaii XXXX, which I paid ontime, and for the past 3 months, I have paid the entire balance off mothly. On XXXX XXXX, XXXX, my credit card was closed for no reason or valid cause, and I was no longer allowed to make purchases with my credit card. I could no longer make purchases with credit card, so I called the bank on XXXX XXXX, XXXX, to discuss my account. When I was able to be connected to a customer service agent, I was told that my account was closed and my credit card was closed. I asked for what reason, and I was told that my payment was returned, and than it was resubmitted and now payment was received and paid. But a review was conducted and it shows I had previous account history with them, and now they want to close my account. In XXXX XXXX, I was approved and use my credit card properly and always paid ontime and several times paid remaining balance off monthly. I have handleded my credit card in good standing, and showed no reason to close my credit card account without proper notification or investigation. This is unfair credit practice, and I would like my credit card reinstated and in good standing. Currently, my credit report has been affected by this negative action by XXXX Bank of Hwaii XXXX, I would like this matter be resolved.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Re : Dispute of Account and Request for Additional Information To the XXXX Executive Office of Customer Care : This letter is a formal dispute and response to your letter dated XX/XX/year>, regarding the alleged loan obligation and related legal action on my XXXX  account. I appreciate your detailed response and the information provided, but I respectfully request additional clarity regarding the following matters and assert my rights under federal and state laws. 

Dispute of Debt under the Fair Debt Collection Practices Act ( FDCPA ) I understand from your letter that XXXX maintains that the FDCPA does not apply to this account as XXXX is the original creditor. While the FDCPA ( 15 U.S.C. 1692 et seq. ) generally applies to debt collectors rather than original creditors, I respectfully request that XXXX verify and provide clear documentation to ensure compliance with federal standards, especially as my account has been assigned to a third-party law firm for collection. 

Fair Credit Reporting Act ( FCRA ) Compliance Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to the right to dispute the accuracy of information reported to credit bureaus. If there is an alleged judgment or charge-off reported on my credit history, I formally dispute its accuracy and request that XXXX conduct an investigation in accordance with FCRA requirements. In addition, I ask that you provide me with any specific details and documentation that confirm the accuracy of the information reported to credit bureaus. 

Request for Comprehensive Documentation and Validation of Debt While you included the original loan agreement, judgment, and payment history, I request the following additional documentation to validate the debt in question : XXXX. An itemized statement showing the total amount financed, interest accrual, payments received, and remaining balance. 
XXXX. All communications sent to me regarding any missed payments or charge-offs prior to the lawsuit. 
XXXX. Confirmation of the law firms authority to collect on behalf of XXXX. 
XXXX. Details of any insurance premiums or fees added to the loan principal and their impact on the loan balance.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Southwest credit card on the Southwest website because they were having a promotional offer of a {$200.00} statement credit. My application was instantly accepted and I purchased my airline ticket. My airline ticket was {$180.00}. I purchased my ticket using my new Southwest acct and the balance after purchasing the ticket was - {$12.00} When I received my statement there was the full charge of {$180.00} I contacted Chase and spoke to a customer service representative. She said that the promotional offer I received was XXXX air miles after I spend {$4000.00} & a companion fare ticket after I spend {$4000.00}. When I explained to her that was not the promotional offer that was offered when I applied for the card and purchased my ticket, she said all that she could do was submit it to their Marketing Dept. I also told her that I don't have a companion so it makes no sense that I would've applied for the card to get a free companion fare ticket! 
I received a letter in the mail today ( XX/XX/19 ) saying that unfortunately my account isn't available to receive the {$200.00} statement credit and XXXX bonus point offer. 
I called the customer service line again and spoke to an agent and asked why my account was not eligible. She said that she did not know and that there was nothing she could do, so I asked to be transferred to a supervisor. After being on hold for 15 minutes a supervisor came on the line. I went through my story with her and asked her why my account was not eligible for the promotion that I signed up for. She said that there was nothing she could do for me and proceeded to tell me that the promotion I received was the companion fare after spending {$4000.00} and the XXXX bonus miles after spending {$4000.00}. I told her the same thing that I had told the previous representative, I don't have a companion so why would I apply for a card that offers a free companion fare and that it makes no sense that I would've applied for the card to get a free companion fare ticket!
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Its inquiries on my report I did not authorize. I Reach out to the credit bureaus and they did not help. i am trying to buy a house and this is stopping me. i need this taking care of asap
Consumer complaint received 2015-03-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (PA)

From XXXX XXXX XXXX XXXX : American Express Business Credit Card Marketing proceduresI have been an AMEX customer since XX/XX/XXXX and pleased with service, until ... I start getting unwanted solicitations for a business line of credit **for a business I have no association with** When I call, they tell me it will take three months to correct the error. In the mean time, every two weeks I get an invitation to open a line of credit with this erroneous business. 
1 ) Opt out procedures typically are 30 days- waiting 90 days is unacceptable2 ) I have nothing to do with the business they assigned me to3 ) Every mailing is a risk. People go through mail and take credit card offers, and steal identity, change addresses and open accounts fraudulently. When I explained this XXXX to AMEX, they stated " sorry it takes 90 days. " 4 ) I dont understand how I was associated with XXXX University in the first place. 

I have enjoyed AMEX over 20 years, but these erroneous mailings every two weeks not only borders on harassment, it is establishing a risk for any person receiving unwanted information and THEN has to wait 90 days for them to correct their own error. Since I first called them XX/XX/XXXX, I have received XXXX more credit card offers for a business I have no association with. 

While the people are nice I am particularly disappointed that it takes 90 days to resolve this problem, exposing me to more risk.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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
Company: Experian Information Solutions Inc. (TX)

Account is reporting late payments during covid and while on deferment these are FCRA violations. Remove this late payment reporting in XX/XX/2020 on account XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trans National Credit Corporation (FL)

Found debt listed on credit report. Sent letter stating letter to creditor listed that the debt was being disputed and validation is requested. Company sent back letter but did not receive the proper debt verification. The company listed original creditor but not amount Stated that they verified with original creditor via secured email and/or retrieval of original documentation but did not send to me. Stated that their verification process determined their debt information and final sum due as being correctly reported to them. Stated that information would remain reported to   XXXX   despite the debt was being disputed.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (CA)

In  two pre vious complaints, Santanderconsumerusa has refused to cooperate with the CFPB investigation. They have issued statement, purportedly in response, that blatantly and illegally defy the authority of the CFPB and the government of the United States of America by making nonsensical, false and irrelevant statements regarding the account in question instead of responding as required by law.
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (TX)

XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX XXXX NY XXXX sent me a bill saying I owe a hospital bill XXXX. I told them many times to send me proof I owe this debt. I wrote them a letter XXXX XXXX telling them I don't owe this debt. They keep sending me the same letter stating I need to write them to dispute and pay my debt. The recent letter i got was XX/XX/2023. That says I need to sent another letter to dispute. I don't owe any hospital XXXX.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible.
As I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulatlions enacted as a result of CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibility or the mandates nor the liabilities should that entity becomed deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE AND physically proven metro 2 compliant informatlion reporting I do not AUTHORIZE YOU to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already rectified by the other major credit bureaus as mandated by law. thank you in advance here is a timeline of events XX/XX/XXXX17 I mailed experian 1st dispute letter via certified mail with return receipt which included my I.D . XX/XX/XXXX17 I faxed over a 2nd dispute letter to experian and also used their website to upload my dispute onto their website along with my I.D .
XX/XX/XXXX17 Finally received my 1st. letter from experian asking for a copy of my i.d.?? after they have already received it from me twice.
Consumer complaint received 2015-10-17
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Dispute Regarding Unauthorized Collection Account XXXX XXXX I am filing this dispute regarding an unauthorized collection account reported by XXXX XXXX associated with Account No. XXXX 

- I have no agreement or contractual obligation with XXXX XXXX to validate this debt. 
- No verification or documentation has been provided to substantiate the legitimacy of this account, violating the FDCPA, 15 U.S.C. 1692g ( b ). 
- Their access and use of my personal information are unauthorized, violating 15 U.S.C. 1681b. 
- XXXX this unverifiable account breaches the FCRA, 15 U.S.C. 1681e ( b ).
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

In  2011 I r eturned to California from  XXXX   XXXX  and wanted to have a utility in my name. I discovered that there was an extremely old cable bill from  XXXX  and I called the company. I explained that the bill did not actually belong to me. It belong to a roommate who had changed it into my name at the time we both moved out, leaving it ( unbeknownst to m e ) un paid. I was told that if I paid it in full immediately, it would be removed from my credit and I did so.It was subsequently, changed from account in collections to collections/paid however, they have never removed it. I have twice now, contacted the credit bureaus and made this request, the last time in  XXXX  of  this year. It is th e only derogatory mark on my credit file and I would very much like this company to show me something with my signature on it to prove that it is mine or remove it once and for all. It has been paid since  XXXX  of  2011 and although I paid it in full to avoid a utility deposit, it is not mine and needs to be removed as it is causing me to pay a higher rate on my car and my house.
Consumer complaint received 2017-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXX  debit icon   XXXX   XXXX     XXXX   XXXX  Va    XXXX   XXXX     XXXX    {$11.00} XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va  XXXX  {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX    Va   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  debit i con    XXXX   XXXX   XXXX     XXXX , Va Us  XXXX  {$10.00}  XX/XX/XXXX  atm icon *  XXXX     XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  atm icon  XXXX   XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$3.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$100.00} XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   {$3.00}  XX/XX/XXXX  atm icon   XXXX   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$83.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$300.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   {$16.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va   XXXX   XXXX   XXXX   {$2.00} XX/XX/XXXX atm icon   XXXX   ATM Withdrawal {$160.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   , Md   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  atm icon * XXXX   XXXX , Va Us ATM Withdrawal  XX/XX/XXXX  Branch Banking And Tru  XXXX , Va U ATM Withdrawal {$200.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   , Va   XXXX   XXXX   XXXX   XXXX   {$8.00} XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00} XX/XX/XXXX atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$120.00}  XX/XX/XXXX  atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$100.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$160.00}  XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX atm icon   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$82.00}  XX/XX/XXXX atm icon @   XXXX   XXXX   XXXX  , Va Us ATM Withdrawal {$100.00}