davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION (MN)

i notice a negative item on my credit report from AXCESS FINANCIAL AND SENT A DISPUTE ON XXXX XXXX,2020 CHALLENGING THE VALIDITY AND VALIDATION OF THE DEBT IN ITS ENTIRETY.
Consumer complaint received 2020-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AZ)

On XXXX XXXX I contacted bbva compass regarding a charge on my bank account for {$560.00} from XXXX XXXX. I disputed the amount because it was for a service I never received as the gym closed down abruptly and wouldnt refund my money. The bank sent me a letter on XX/XX/2020 stating that my dispute was complete and they were giving me my money back plus any overdraft fees associated with this purchase. I contacted them multiple times and could not get a straight answer on why I didnt get my money back. Ive called multiple times and waited on hold over an hour. I also sent emails requesting that they handle this but no one will respond. I want the money owed to me.
Consumer complaint received 2022-05-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account ( s ) # XXXX, XXXX, XXXX, and XXXX have 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 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

I was approved for a Chase XXXX XXXX XXXX credit card with a credit limit of {$6000.00}. I then sent 2 secure messages to Chase customer service. One was to transfer {$7000.00} of credit from my Chase XXXX XXXX XXXX card with a limit of {$12000.00}. The other was to transfer {$7000.00} of credit from my Chase XXXX XXXX XXXX card with a limit of {$12000.00}. By the end of the transfers, I should have had a Chase XXXX XXXX Preferred card with a {$20000.00} limit, a Chase XXXX XXXX XXXX card with a limit of {$5000.00} and a Chase XXXX XXXX Unlimited card with a limit of {$5000.00}. However, the Chase XXXX XXXX XXXX card was given a limit of {$13000.00} with {$7000.00} of credit missing. 

This error makes fulfilling the minimum spend requirement for a promotion on the new Chase XXXX XXXX XXXX credit card difficult.
Consumer complaint received 2020-05-03
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. (TX)

I mailed a notarized dispute letter to Experian via certified mail notifying them of inaccurate information and accounts on my credit report. Experian received my letter on XX/XX/XXXX. I requested that they investigate and VALIDATE the accounts as well as provide me proof that this information is accurate. I also requested that they remove these inaccurate accounts from my credit file. 

XXXX {$1500.00} XXXX {$2800.00} XXXX XXXX {$1600.00} I received an update on XX/XX/XXXX report # XXXX that the investigation was complete and the accounts have been updated. The accounts were NEVER investigated nor removed. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to investigate and validate - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Experian failed to follow the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )
Consumer complaint received 2020-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

Im a 20 year XXXX  veteran. All my medical is covered because of my service to my country. I only have to pay a co pay. I have sent a letter to this company when they first opened the collection. I have not received a response from them to take said debt off my credit report.
Consumer complaint received 2024-11-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA (GA)

Dear CFPB Team, I am writing to formally file a complaint against Hyundai Motor Finance regarding the repossession and mishandling of my late mothers vehicle, a XXXX Hyundai XXXX, which occurred on XX/XX/XXXX. The series of events surrounding this repossession and subsequent actions by Hyundai Motor Finance have caused me significant distress and financial harm, and I am requesting your assistance in resolving these issues. 
Background and Details 1. Repossession Circumstances : Hyundai Motor Finance repossessed the vehicle without providing adequate confirmation to me, leaving me uncertain whether the car was taken by them or stolen, as the XXXX Hyundai XXXX is one of the most targeted models for theft due to its lack of a passive engine immobilizer. This vulnerability is a known manufacturing defect acknowledged by Hyundai in a class-action lawsuit settled for {$140.00} XXXX on XX/XX/XXXX. Although my late mother is eligible to participate as a class member in this lawsuit settlement I have been barred from representing my mothers interest and I want that rectified immediately. 
2. Communication Barriers : Despite notifying Hyundai of my mothers passing and initiating estate proceedings with the Probate Court of XXXX XXXX, Georgia, in XX/XX/XXXX, Hyundai refused to communicate with me regarding the repossession, citing privacy concerns. This was inconsistent with their prior willingness to accept XXXX payments from my checking account. 
3. Car Retrieval Issues : After weeks of effort, I retrieved the car from the XXXX Auction in XXXX XXXX, Georgia, at the end of XX/XX/XXXX. I was charged {$170.00} by XXXX and additional fees by Hyundai that were never itemized despite my repeated requests for a written breakdown. 
4. Vehicle Condition and Concerns : Upon retrieving the car : o It was significantly dirtier than when it was repossessed.

o The odometer showed an increase of XXXX miles. 
o Items such as empty snack bags and tissues were left inside, suggesting unauthorized use. 
o My phone was no longer the only device synced to the car. 
o The driver-side door handle is now loose and insecure, likely damaged while in Hyundais possession. 
XXXX. Outstanding Title and Reimbursement Requests : Despite assurances that the car title would be delivered within XXXX business days, I have yet to receive it nearly a month later. Additionally, I am seeking reimbursement for unauthorized mileage, repairs to the cars door handle, and compensation for Hyundais failure to safeguard the vehicle while it was in their possession
Consumer complaint received 2024-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NJ)

cancelled training course smarter than XXXX but not getting refund from credit card company, On Sun, XX/XX/year> at XXXX XXXX  XXXX, XXXX XXXX wrote : Hi XXXX, As mentioned in the training, before purchase emails, on the sales page, on the order form and in your contract - we do not offer refunds outside of our policy which is very clear : XXXX -- XXXX As such until you've gone through 3 certifications and completed all assignments as well as exams, we can not offer a refund. 

None of it is in the fine print, it's all quite blatantly shown and explained over half a dozen times before purchase. 

But as mentioned, if a resolution is not reached we'll have to revert to our standard operating procedure. 

Best, -- XXXX XXXX Support Team XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On Sun, XX/XX/year> at XXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : Your course has deceptive advertising said once can opt out in three months but later show fine print Not legally binding On Sun, XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : I lost my job so can't pay or purse this program I told you I don't have time or money for this XXXX
Consumer complaint received 2020-05-02
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: Fidelity National Information Services, Inc. (FNIS) (OH)

I have several accounts that were fraudulent and I am in the process of clearing up my credit due to the loss of my wallet and my Chex Systems I have filed a FTC identity Please remove the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I have never applied for a XXXX   XXXX, XXXX XXXX or any online Payday Loans.
Consumer complaint received 2023-04-08
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. (IL)

The car dealerships shopped my credit around without my permission. The credit bureaus are reporting false information and it's hurting my chances of attaining lines of credit. I did not authorize any of the accounts. I did not give anyone the okay to use my information to attain credit. 
Under 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 agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt 15 U.S.C 1692B : Acquisition of location information
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (AL)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (OH)

My husband received a letter dated XXXX XXXX from a Collection agency ( afni ) stating that he owed {$640.00} to XXXX XXXX XXXX. In the letter they ( afni ) indicated that they were willing to accept {$420.00} to resolve the account. 
In the second paragraph they ( afni ) indicated that unless we notified their office within 30 days of the notice they would assume the debt is valid. And if we did not dispute the validity of the debt in writing within 30 days they would obtain a judgement and mail us a copy of the judgement. 
We are very suspicious of companies trying to scam people and try to get their personal information. 
The issue is -- - my husband has never had an individual account with XXXX XXXX XXXX. 
On XX/XX/XXXX we contacted the billing department with XXXX XXXX XXXX and I spoke with an XXXX. XXXX researched our current account with XXXX XXXX XXXX and could not see any evidence of a past due amount. He transferred me to the XXXX XXXX at XXXX XXXX XXXX. I spoke with a XXXX. He pulled up the XXXX XXXX XXXX acct. number and asked me what the passcode was for the account. we told him we didn't know a passcode as we did not have that account. He could not give us any information about that account like DOB or any other information for the person other than my husbands first and last name. he kept asking for the passcode and we kept telling him we did not know the passcode for that account. Today XXXX, we went to an XXXX XXXX XXXX XXXX - they were able to look up that account for us and told us it was cancelled on XX/XX/XXXX. He helped us get a passcode and the security question and the email address, which was for a email that we did NOT know. The XXXX of the XXXX XXXX XXXX XXXX told us that the account was an XXXX XXXX account ''. We don't even know what that means. He told us he didn't have the authority to correct the situation but to call the fraud unit at XXXX XXXX XXXX and tell them all the information and they could stop the collection agency. When we got home my husband called XXXX XXXX XXXX asked for the Fraud unit and it just directed him to the XXXX XXXX XXXX website. Needless to say we are being given the run around by XXXX XXXX XXXX and can not get this stopped we don't want to call the AFNI collection agency as we do not want to give them any of our personal information as we believe this is a phishing scam. But we also do not want our credit ruined by this falsehood. Any help you can give us would be greatly appreciated. Thank You.
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (IA)

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President XXXX wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2020-05-03
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. (NV)

On XX/XX/2020, the Equifax credit bureau received a certified letter from me disputing items and requesting validation of multiple accounts. On XX/XX/2020, I received a letter from Equifax stating that they needed more information to confirm my identity and my current address. I was able to gather that information replied to that letter via certified mail on XX/XX/2020, and that letter was then returned to me on XX/XX/2020. 

When I did not hear back from Equifax by XX/XX/XXXX with return receipt, I sent off a second letter which was received by Equifax on XX/XX/2020, of which I DID receive the return receipt for on XX/XX/2020. 

I feel that Equifax Should be held accountable for rejecting my letter with the information that they requested. The actions set forth by Equifax has displayed an inability to accurately follow federal guidelines set by the FCRA Section 623 ( a ) ( 3 ). They have not afforded me a proper dispute within the given timeline set by the FCRA.

All documents have been attached as proof Page 1. Return receipt for initial dispute singed for by Equifax on XX/XX/2020 Page 2. Equifax 's request for additional identification dated XX/XX/2020 Page 3. Return receipt for dispute follow-up signed for by Equifax XX/XX/2020 Page 4-6. Returned Mail Slip from USPS Along with USPS tracking printout I have also attached the same documentation to verify my identity to avoid any further mail rejections or delays
Consumer complaint received 2020-05-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I checked my Experian and XXXX XXXX accounts and realized I had inquiries that occurred without my permission. Also Experian says that I lived at an address that I've never heard of nor stayed at. Is that a sign of identity theft? 
The inquiries are that occured w/o my permission are : XXXX/XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date:XX/XX/XXXX XXXX XXXX/XXXX XXXX   Inquiry Date XX/XX/XXXX
Consumer complaint received 2020-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi CFPB, I opened a business checking account with HSBC on XX/XX/2019, which came with a promotional offer where I would receive {$250.00} after maintaining {$5000.00} for 120 days and logging into the HSBCNet website within 30 days. I had performed both of these tasks yet do not see the bonus posted to my account. I would appreciate if you could look into this and inform HSBC that {$250.00} is to be posted to my account. 

Thank you
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Valor Intelligent Processing, LLC (TX)

I Consumer Dye did not authorize a consumer credit transaction with between VALOR INTELLIGENT PROCESSING , LLC and myself. VALOR INTELLIGENT PROCESSING , LLC has falsely accused me of entering into a fraudulent contract with their company. VALOR INTELLIGENT PROCESSING , LLC has violated 15 U.S.C. 1692b ( 2 ) of the FDCPA multiple times as well as,15 U.S.C . 1692b ( 5 ) of the FDCPA multiple times. 15 U.S.C. 1692b ( 2 ) of the FDCPA states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 U.S.C. 1692b ( 5 ) of the FDCPA states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2020-09-09
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: Riverwalk Financial Corporation (PA)

On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX  XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to XXXX  on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX : is still on my credit report with XXXX deleted off the other two bureaus 2 ) XXXX XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) Deville Asset Management : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted.

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : Account # XXXX US Department Of Education XXXX US Department Of Education XXXX XXXX XXXX US Department Of Education/XXXX XXXX XXXX US Department Of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX