davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened up an HSBC Checking Account online on XX/XX/2021. At the time, they were running a promotion where if you met the qualifying activities, you would receive a {$450.00} welcome bonus. The qualifying activities were to ( 1 ) open your new HSBC Premier checking account from XX/XX/2021 through and including XX/XX/2021 ; and ( 2 ) make recurring qualifying Direct Deposits totaling at least {$5000.00} per month from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. I met the qualifying activities and even one of the representatives said, on XX/XX/2021, that I met the qualifying activities when I spoke to them over chat. The representative even said, " You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. XX/XX/XXXX direct deposit was received from there within eight weeks deposit will be credited to the account. '' During this time HSBC switched my account to XXXX. I followed up with HSBC regarding my {$450.00} welcome bonus and they informed me that I did not qualify for the welcome bonus because I did not sign up on the " landing page '' where I was supposed to sign up on. Although it was not one of their conditions for the {$450.00} welcome bonus, I did sign up on the landing page of the website where they advertised the {$450.00} welcome bonus. After some back and forth with HSBC, they are refusing to honor the {$450.00} welcome bonus they advertised and will not provide it to me.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Auto Advantage Finance, LLC (OK)

I had an auto loan through auto advantage finance. after trying to get them to work with me do to me getting sick with COVID and behind on my payment they repossessed my car right before Christmas. it then took them until XX/XX/XXXX for me to receive the letter showing what my options were in order for me to get my car back. they are charging me {$6.00} a day on top of the {$250.00} repo fee for a total of {$14000.00} ( keep in mind the {$6.00} is continuing to accumulate each day they still have the vehicle.. so now by this time that i know what my options are I apply for refinancing through open roads lending. i got approved by them based off of what reflected on my credit report showing what the remaining loan amount was {$13000.00} ). after receiving the payoff amount from auto advantage finance I then get a letter saying that I was denied due to Loan value exceeds program requirements. so now i only have until the XXXX of XXXX to payoff the full amount in order to get my vehicle back and today is the XXXX. even if i apply for through another lender there isn't enough time to go through the process and be able to get my vehicle. along with this they also continue to send me emails trying to deduct my payment from my account every two weeks.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Good afternoon I received an email on XX/XX/2024 stating that I owe XXXX XXXX XXXX {$4600.00} with account ending in XXXX and this is inaccurate information that doesnt belong to me. I been trying to fight this for a while and really trying to get this off my credit report. I havent received any updates or further information. I called customer service and sent emails also. 
Respectfully
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

My husband received an email at XXXX p.m. today, Wednesday XX/XX/2022 addressed to me saying thank you for opening TD checking account. No one opened such account. When the company was contacted we were directed to their fraud department which shut down the account and was informed to call the FTC as well as the credit bureau companies to report this as well.
Consumer complaint received 2022-01-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NE)

I applied for a loan. I asked if they were doing a hard or soft pull on my credit. I was assured that it was a soft pull. I ended up turning down the loan because I did not want it. I had a better offer from a different company. I told them I did not want the loan. I found out from the other company that OneMain did do a hard pull. When I told them I did not want the loan, I asked for a letter within the next seven days because that is how long the other offer through the other company was good for. I was told that was not possible. They were extremely rude and now I can't even get a letter stating that I turned down the loan so I can get the other loan.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal is closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-16
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. (IL)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$660.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I received my tax bill from the county and found that I was paying double the tax I was assessed. I called ROUNDPOINT Mortgaging Servicing Corporation and I was told that I am going to receive a check for {$1900.00} and that my mortgage payment would decrease from {$1000.00} to {$900.00} ( and change ). I was also told that it would be sent through the mail to my personal address by the XXXX of XXXX. This call was made around the XXXX. I received a call a few days later and the representative on the phone told me that I would be receiving {$1300.00} ( I don't have the exact amount ) and they didn't say anything further about my decreased mortgage payment. I received another call from them saying that my refund would be {$800.00} ( I don't have the exact amount but it was XXXX dollars and something ). They indicated to me, at the beginning of each call, that the call would be recorded. The information I have provided should be available on their recorded line.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under the 15 USC 1681 Section 602 states I have the right to privacy.

Under the 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 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.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$670.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$450.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Dear Capital One Auto, PLEASE LISTEN TO ME. 
On XX/XX/21 I purchased a vehicle online through XX/XX/XXXX It has been nearly two months now and XX/XX/XXXX still can not get the paperwork together to register the vehicle or show a title for the vehicle. First they claimed they were " missing insurance '', I sent it again. Then they claimed they were " missing '' the limited power of attorney paperwork, I signed and sent it again. Now, 2 weeks later, they are " missing '' the limited power of attorney paperwork AGAIN and told me they could not process registering the vehicle because there was a name error on the paperwork, compared to my driver 's license. 
I asked the representative where's the title, I was told XXXX still have not located the vehicle 's title and I am starting to believe all of these " errors and missing documents '' are just a way for them to buy time. 

As a lienholder, you should not fund a deal and have not received the title almost two months after a car deal. I am warning you that this deal is bad and XX/XX/XXXX has thousands of 1-star reviews of them selling vehicles with missing titles and vehicles reported as stolen! 

My temp tag expires next week and I will no longer be able to legally drive this vehicle!!! I have already made my first on-time payment on this vehicle and it's not registered to me, nor do you have the title. 

May Capital One PLEASE give me a manual approval to go purchase another vehicle from a local dealership? I tried applying for Capital One Auto XXXX a few days ago, but the application quickly got denied ( i'm assuming because I just opened a Capital One Auto account ). 

XXXX you PLEASE give me a Capital One XXXX XXXX approval for the same amount and rate as this deal, so I can go find another vehicle at a BETTER and LOCAL dealership. I AM BEGGING!!!!! Once I get the Capital One XXXX XXXX approval and purchase another vehicle, XXXX can take this car back and Capital One unfund this horrible deal. I have 8 days to find another vehicle. PLEASE HELP. 

Contact me here : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. I have also attached a copy of my Drivers license and SSN for identification purposes. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Last year, I sold my primary residence. It was financed by a loan managed by PHH Mortgage Services. Upon the closure of the sale, I had anticipated getting a refund from my escrow account of {$4100.00}. The first check was lost in the mail, so I requested a stop payment and a new check. PHH sent me a letter on XX/XX/2021 indicating a new check had been cut and was going to be sent. I never received a check, nor did it ever show up on my USPS daily mail email. After waiting until early XXXX, I again called PHH asking where my refund was. They indicated they would put a stop payment on the check and send another. Several weeks later, I received a check for ... {$1.00}. After several phone calls, I was then told the check for {$4100.00} ( that I had never received ) had been CASHED on XX/XX/2021. They then said they'd get a copy of the check to determine who cashed it and where. I was subsequently contacted by phone and email to say " we do not have a copy of the check '' and nothing more can be done. 

I am astounded at this... they're a mortgage servicer. They don't have deposit information for the check, nor an image? Further, I reviewed the daily email of scanned images of mail from the USPS - there is NO image of the envelope for this check. 

In sum, I have not received my escrow refund, nor can PHH Mortgage Services provide documentation of my having received/cashed the check. 

Please advise on what can be done. Thank you
Consumer complaint received 2017-06-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (CA)

I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phillips & Cohen Associates, Ltd. (MO)

This debt is disputedIt has also come to my attention that you are in violation of XXXX XXXX Code XXXX - Unfair practices ( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. It is to be noted that there are XXXX addresses on the XXXX letter received. 

XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Phillips & Cohen Associates , Ltd . 
Mail Stop : XXXX XXXX XXXX XXXX XXXX, DE XXXX. Phillips & Cohen Associates , Ltd . 
XXXX XXXX XXXX XXXX, DE XXXXListing XXXX addresses on a letter and expecting an unsophisticated consumer to correctly deduce which address a response needs to be sent to causes unnecessary confusion. Does the consumer respond in writing with the cost of postage to XXXX of the addresses, XXXX out of XXXX of the addresses or all XXXX of the addresses? In addition, this practice causes unnecessary expense if the consumer is required to respond to all XXXX addresses. These additional costs can be rather high if the correspondence is XXXX. registered or certified, and if not XXXX. registered or certified it might be possible for this debt collector to claim never receiving a response. An internet search reveals that XXXX XXXX XXXX, XXXX serves as the President and Chief Operating Officer of Phillips & Cohen Associates, Ltd. with the same address as Phillips & Cohen Associates, Ltd., XXXX XXXX XXXX, XXXX, DE XXXX ; therefore, I 've sent XXXX correspondence to XXXX XXXX XXXX, XXXX. at above said address and XXXX correspondence to Consumer Financial Protection Bureau, XXXX. XXXX XXXX, XXXX, XXXX XXXX by XXXX by standard mail ; to report this disputed debt and violation of XXXX XXXX Code XXXX ( XXXX ).
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (CA)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (PA)

I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course. i only participates in credit transactions for family, personal and household purposes 15 1692a. CKS FINANACIAL violated 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Validation of the debt XXXX an XXXX XXXX pursuant to XXXX XXXX
Consumer complaint received 2019-01-15
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: Credit Protection Association, L.P. (FL)

There is a item that on my account that is in collections that I have never been aware of. I think it may belong to someone else. I was wrongfully told by this debt collection agency if I was to pay the charge that this would resolve the issue. I would like this collection account immediately removed please or I will proceed with further legal action. Thank you. 


****This is on my XXXX report please remove immediately***** CREDIT PROTECTION ASSOCIATION XXXX Orginal Creditor XXXX XXXX XX/XX/2012 XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (CA)

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 given reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-01-26
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: NORTHWEST BANCSHARES INC (OH)

Paid off vehicle XX/XX/2021. I was receive vehicle title within 15 days. It is approaching 30 days and I still have not received my vehicle title.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (WV)

I consolidated my collection debt with credit card in XX/XX/2022 and I am unable to submit my paperwork to all three credit reporting agencies therefore I am requesting it be submitted through your agency.