davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc. (WI)

Please can you help with My problem with XXXX XXXX I turned in a lease early I leased the vehicle in XX/XX/XXXX and turned it back in XX/XX/XXXX I had put {$6500.00} down at the time of signing so when I turned the vehicle back in the dealer and XXXX XXXX told me I was in the green with early termination fees. From XX/XX/XXXX to XX/XX/XXXX on all 3 of my credit bureau reports showed XXXX balance for my XXXX XXXX account. In XX/XX/XXXX I hired a company to clean up my credit they disputed my XXXX account and they came back stating on all 3 of my credit bureau reports that I owe {$12000.00}. Then it was disputed again then on all 3 of my bureau reports {$5300.00}. As of today XXXX on all 3 of my reports says I have a past due balance of XXXX Ive talked to over 20 different people at XXXX XXXX   and get no answers they just transfer me from person to person and nobody I talk to has a clue on what is going on they all tell me different prices that I owe. I tried disputing it with all 3 bureaus and get no help with anyone. I do not know what to do I am so very frustrated with this I do not owe them any money and I do have credit reports post to XX/XX/XXXX showing that this account was a XXXX balance I can not even get a car loan because this in on my credit report please help me thank you Sincerely XXXX XXXX
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (CA)

Subject : Dispute of Debt and Request to Cease Communication Dear Sir/Madam, I am writing to dispute the validity of the debt referenced in your letter dated XX/XX/. According to your communication, I am purportedly indebted to Central Portfolio Control , Inc. in the amount of {$2200.00}. However, I have no knowledge of this debt and do not have any outstanding obligations related to the matter mentioned. 

In accordance with the Fair Debt CollecLon Practices Act ( FDCPA ), I am requesting that you provide me with detailed information about the alleged debt, including the name of the original creditor, the account number, and a detailed breakdown of the charges. Additionally, please provide any documentation you have to support the validity of this debt. 

I am also exercising my right under the FDCPA to request that you cease all communications with me regarding this matter. Please take note that any further communication from Central Portfolio Control , Inc. in relation to this alleged debt will be considered a violation of the FDCPA, and I will not hesitate to pursue legal remedies available to me. 

Sincerely, XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (RI)

I reported to them that I never opened an account with them! I also told them that someone was using my identity which was identity theft .. they informed me which the company is XXXX that they would take off my account, the company is XXXX saying I owe XXXX dollars which I never had
Consumer complaint received 2023-03-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (FL)

This company never gave me a XXXX notice of dispute of this alleged debt they say I owe. This is a Volation of my rights they must provide me this information or delete this account immediately or I'll be more then happy to take this to fed court I request in court how this whole this is fraud as well. I will make you show the forward flow agreement which will prove the amount your demanding from me is much lower then what you paid for it to begin with. You are to delete this account immediately!!!!!!
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC (TN)

The company NATIONAL RECOVERY AGENCY is a debt collection company is abusing me by reporting three of the same exact alleged accounts exposing private medical information on my consumer discloser report. I mailed NATIONAL RECOVERY AGENCY recovery agency a debt validation letter just recently in which they will be receiving via certified mail. Under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, I am aware that this is an abusive collection practice per 15 USC 1692e ( 10 ), 15 USC 1681s-2, 15 USC 1692e ( 14 ), and 15 USC 1692f ( 1 ). The behavior the debt collection company is using is both abusive and deceptive because NATIONAL RECOVERY AGENCY furnished 3 of the same accounts as if each amount for each of the exact same reported accounts are owed which reflects a balance of more than {$2000.00} per account. This is not only damaging to my consumer disclosure report but is also emotionally stressful because I know for a fact, I do not owe the amounts NATIONAL RECOVERY AGENCY are insinuating. I know that debt collection agencies that lie and use abusive practices to collect debt are liable to me per 15 USC 1692k Civil liability and by the FTC, Consumer Financial Protection Bureau ( CFPB ), and state governments. The FCRA provides for maximum penalties of {$4700.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX  XXXX Balance XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

This company never gave me a XXXX notice of dispute of this alleged debt they say I owe. This is a Volation of my rights they must provide me this information or delete this account immediately or I'll be more then happy to take this to fed court I request in court how this whole this is fraud as well. I will make you show the forward flow agreement which will prove the amount your demanding from me is much lower then what you paid for it to begin with. You are to delete this account immediately!XXXX
Consumer complaint received 2023-07-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear sir, At first, I received letters which have the total pages XXXX. Among them, the one prepared on XX/XX/XXXX of 2024, which has consumer Identification number XXXX, asks me to provide the necessary information. So far, your company refers only the XXXX  XXXX XXXX banking account. I have been asking to check and provide further information to explain the documents themselves, since I can not understand it at all. I have already asked XXXX XXXX and the person in charge gave me unsatisfactory answer and requested further investigation. I believe your company should have received some information from XXXX XXXX. I have another bank accounts with XXXX XXXX based in XXXX XXXX and XXXX XXXX based in XXXX XXXX. I have asked you to provide me the means to acquire the similar documents which I received from your company. 
The letter prepared on XX/XX/XXXX of 2024, which dispute ID is XXXX, is mentioning the XXXX XXXX XXXX account number ending XXXX. Same as other banking accounts of XXXXk XXXX XXXX, I do not have any further information with this account, too. Therefore, I can not understand why you send me again this letter, honestly. More than that, I expect further investigation on XXXX XXXX and XXXX XXXX. Please send them. 
The letters prepared on XX/XX/XXXX of 2024, which dispute case ID is XXXX, XXXX, XXXX, and XXXX state I need to contact with your office only when I have some information/documentation on these cases. I do not have any further documentations, which I feel to report many organizations. If I receive some documentations, which make me feel suspicious, I will send them to you. More than that, I believe we need to start to request XXXX XXXX and XXXX XXXX, as your agent has mentioned at the beginning. Since I do not have anything to ask the XXXX XXXX XXXX with these letters, I will not contact with the XXXX XXXX XXXX branch addressed XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Sincerely,
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Huntington Debt Holding LLC (FL)

I provided letter a formal request to opt out of authorization for information sharing under 15 USC 6802, a statute governing the privacy of personal information. The letter included full name and account number, and requested the recipient acknowledge and confirm in writing that the sender 's information will no longer be shared with non-affiliated third parties. It emphasizes the importance of privacy protection and requests a prompt response from the recipient. I have already opt out w/ financial institution to not share my information. I have also submitted a complaint to XXXX ( complaint # XXXX ). Thus far I have not had a response from XXXX or XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC (NY)

1. **TCPA Violations ( 47 U.S.C. 227 ) : ** XXXX 's claim of " pass-through consent '' must be substantiated with clear evidence that the consent was indeed granted by myself was specific to the type of communication employed. The assertion that XXXX does not use an XXXX XXXX XXXX XXXX ( XXXX ) or prerecorded messages is noted. However, I request proof of the manual dialing processes and policies that ensure compliance with the TCPA to evaluate the veracity of these claims. 

2. **FDCPA Violations ( 15 U.S.C. 1692c ) : ** The FDCPA allows for communication with third parties solely to acquire location information and only under strict conditions that do not involve disclosing the nature of the debt. While XXXX claims no statutes were violated during their contact with a third party, this interaction must still adhere to the provisions of the FDCPA regarding frequency and content of such communications. I request a copy of the recording mentioned to confirm that no inappropriate disclosures were made. 

3. **GLBA Non-Compliance ( 15 U.S.C. 1681 ) : ** Utilizing multiple numbers may not inherently constitute a violation ; however, it can be indicative of an intent to mislead or confuse the recipient, which is contrary to the spirit of consumer protection laws. I require a detailed explanation of how these practices do not constitute deceptive or misleading conduct. Regarding debt validation, while it is true that a notice is required within five days of initial contact, any communication initiated by XXXX is considered contact, and thus, a notice should have been sent. 

XXXX has placed my account in a " Cease and Desist '' status, this does not absolve the company from past alleged violations or potential statutory damages due to me. I expect a prompt and comprehensive response to the points raised herein.
Consumer complaint received 2018-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Hello CFPB, I had opened a checking account with Citibank in XX/XX/2018, noting the promotional code XXXX where they would credit my account {$400.00} after depositing {$15000.00} for 60 days. I had made the {$15000.00} deposit XX/XX/2018 but it is now XX/XX/2018 and I have not yet received the {$400.00} bonus. I have been working with Citi over the phone and over chat messages and they keep letting me know that they are looking into the issue and that I should be receiving the bonus soon, but I have not yet received it after months of waiting. Could you please investigate this issue for me? 

XXXX XXXX
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/2023.
Consumer complaint received 2024-01-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmerAssist A/R Solutions, Inc. (IL)

In 2018, the company formerly known as " XXXX XXXX XXXX XXXX XXXX '' guaranteed me that their retainers would straighten my teeth. I sent in my tooth molds around XX/XX/2018 and they created trays that were supposed to assist with the process. I was paying the installment amounts up until I realized and expressed that the trays were not shifting my XXXX. I went to see an XXXX  and they informed me that this company mislead me into believing that they could fix my XXXX  when that was not possible. I needed to have XXXX  removed in order to make space for the crowding I was experiencing and they did not ever match me with a real doctor to check things like that. 

I stopped using the trays and stopped paying my installments once this all took place and I talked with the representatives of the company about what they were going to do and all they offered to do was to redo my trays and not refund me my money so this account went into collections after that. Their XXXX part collection agency has been contacting me every sense trying to get this payment and has not stopped emailing and calling me when I have been very clear about the fact that I was the patient who was lied to and mislead.
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an AMEX gift card from my employer and have tried to use it online at several different retailers. The card keeps getting declined. My balance ( {$1000.00} ) is well over the amount I am attempting to charge ( {$300.00} ) and I am receiving error messages when I try to add to my XXXX account. 

This card is such a headache and not accepted at major retailers like XXXX, XXXX, XXXX, XXXX XXXX, etc. 

Would never recommend this prepaid card option to anyone.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TX)

In XXXX  I signed a three year contract with XXXX XXXX. My montly bill was paid to XXXX XXXX. When I sold my home I notified XXXX  that I wanted to cancel. When I cancelled, a letter of cancellation was sent to me for signature. 

I never signed up with XXXX or made an agreement with XXXX.
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a dispute regarding an outdated account that is still showing on my credit. the account is over 7 years old and the credit bureaus have not corrected my credit report it is still showing as a collection. I had asked them to please update this incorrect information and it has been over 30days and I still have not gotten a response. The account is XXXX XXXX  account # XXXX is from XXXX. I need them to delete this account from my credit report.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I engaged in a private consumer credit transaction with PenFed Credit Union, and they never provided me with an adequate notice and form of my right to privacy and right to opt-out of their disclosure, sharing and reporting of my private personal information as they're required to do per 16 CFR 313.7 and 15 USC 6802. As a result of their irresponsible actions, they've reported adverse and defamatory information in my consumer reports and enabled a separate third-party debt collector ( XXXX XXXX XXXX XXXX to also report this adverse information on my consumer reports, further defaming my character, creditworthiness and reputation. This is not only and infringement on my right to privacy, but this has caused me double harm, as they've both continued to report the same adverse account jointly under XXXX separate account numbers.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CATHAY BANK (CA)

<<To : Cathay Banks CEO>> Complaint : My banker, XXXX XXXX XXXX  XXXX engaged in unlawful and unfair business practices, violating Business and Professions Code Section 17200. 

On XX/XX/XXXX, I noticed an advertisement on Cathay Banks window claiming a 2.75 % APY for a 3-year CD. 

I entered the bank and requested XXXX XXXX XXXX XXXX, a banker at Cathay Bank, to update all 18 CD accounts for my family to the promised 2.75 % APY for 3 years. However, XXXX XXXX XXXX  XXXX deceived me by selling fake bank products, promising a 3 % APY for 3 years, with the condition that I had to wait until the XXXX XXXX XXXX in XXXX. 

Trusting her, I patiently waited until the XXXX XXXX XXXX in XXXX, only to discover that the actual rate was 0.5 % APY. Despite my numerous complaints, XXXX XXXX XXXX XXXX continues to deny any responsibility for her actions. I have provided three pieces of evidence and would appreciate your review of the video footage with me. 

Due to XXXX XXXX XXXX XXXX  misleading conduct, my family has lost {$110000.00}. 

I previously sent you a letter regarding this matter, but have not received a response yet. I kindly request your guidance for this issue. 

I request that Cathay Bank compensates my family {$110000.00} for our loss.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX