davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX, I leased I XXXX  Kia XXXX  from XXXX Kia, located in XXXX XXXX, NY. On XX/XX/XXXXXXXX  I brought my car in for it's XXXX mile oil change. After waiting for over 3 hours, I was told that when the technician forced a computer update, it " burned '' the computer out and the car was not driveable. I was without my vehicle for a few days. On XX/XX/XXXX, I was driving my car on the XXXX XXXX XXXX, and the car shut off without warning while I was driving it. I was able to coast to the side of the road and called XXXX  when I smelled something burning. The car was towed to XXXX Kia, then to XXXX Kia. I was told it was a faulty fuel injector. I expressed my concern for my safety and the safety of others, as well as the car being unsafe to drive. I wrote a letter to Kia corporate expressing my safety concerns. The car has given me issues ever since I owned it and has been in the shop numerous times, but because there is no " code '', I am told there is nothing wrong with car. I requested that me lease be canceled and my money to be returned. I even asked for 1 month lease payment to be waived since I was paying for a defective car that has been in the shop numerous times. On XX/XX/XXXX, I was given a waiver to sign and that I would be credited 3 car payments totalling {$1100.00}. I informed XXXX that I would not sign a waiver releasing them of any past, pressent and future issues with the car, and that my life and the lives of others are worth more than 3 car payments. I expressed that they continued to ignore my safety concerns. I stated that I am afraid to drive the car and the car is unsafe. The car continues to have issues and I am told they can't find anything wrong. 
On XX/XX/XXXX, I was driving my car into my friend 's condo complex. The car once again shut off without warning while I was driving it. The smell of gasonline was nauseating. My car once again had to be towed to XXXX Kia. I spoke to XXXX, the service manager and expressed that I am scared to drive the car and my safety and the safety of others are at risk. Should I have been on a busier road, there clearly would have been an accident. Someone would have gotten hurt or killed. I called and emailed XXXX at Kia corporate. I informed her the car once again shut off without warning while I was driving it and that something has to be done because someone is going to get hurt or killed. She stated she would esculate the case. whatever that means. Now I am having nightmares about crashing the car. I am in desperate need of your help. I am requesting a replacement vehicle at no extra charge or my down payment and all payments that have been made to be refunded. The cost of that will be much cheaper than a lawsuit for someone's injuries or death. I greatly appreciate your help with this matter. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-01-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (GA)

On XX/XX/XXXXXXXX  I sent numerous emails and certified mail to Possible Financial regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. Possible Financial Inc reported account 60 days late back in XXXX of XXXX  which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed Possible Financial Inc XXXX XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned to me
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I got a notification that my credit score had dropped I pulled the report from my credit sesame account and showed my score had dropped XXXX points from my score being in the XXXX range now down to the XXXX range So I checked nothing was late or over 30 days late like my mortgage or car loan. 
I only had one credit card that went over the credit limit I checked the report on XXXX it was in the XXXX range then on XXXX it dropped XXXX points. 
Even if my some of credit cards are a little high you dont drop XXXX points I feel this should be corrected cause this is wrong I am XXXX XXXX partial retired and had a XXXX XXXX XXXX XXXX XXXX XXXX 
Please have Transunion correct this score it is wrong and unfair I always kept my credit up.
Consumer complaint received 2023-09-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP (AL)

I was approved for a loan that I never paid back so they took it upon themselves to do a hard pull on my credit every month I didnt pay as you see in the photos there were more occasions of them pulling my credit but they fell off my credit report wouldve been reported this but Im just now finding out how. 



SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC (MN)

I am requesting that XXXX REVVI CARD immediately close my REVVI Card Visa Credit Card Account. I dont want the REVVI Card Credit Card Account. I want the account immediately close and I want REVVI CARD to delete and remove my personal information from their records database. Additionally, I want REVVI CARD to send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the REVVI CARD Visa Credit Card Account from my credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
Consumer complaint received 2024-09-05
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. (TX)

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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

I had just cancelled my Experian Identity Theft protection plan last week. It was a paid for premium account. I cancelled my account due to the Identity theft representative not responding back to me after several complaints, and notifications not being acknowledged by that representative. The cancellation was successful, but I was just recently retaliated by Experian with the following. I just received an email today stating that my credit file was unlocked due to my premium services being cancelled. BUT it was placed on lock prior to the cancellation due to me becoming a victim of identity theft. I did NOT authorize Experian to unlock my credit file because my identity has been stolen, and the police are currently working on my case. I feel so helpless, I have reached out to Experian but I remain vulnerable again due to there lack of professionalism. I also was a victim of Identity theft from the XXXX data breech a few years ago, and I currently am supposed to have a free premium Experian account as part of the settlement agreement, and Experian once again has failed to not provide this service as my favored settlement. But because I value my credit portfolio I ended up paying for their services for over a year now, and I still was victimized again. Not sure how you are going to assist me, but I'm having a horrible year so far due to this nonsense.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (TX)

I am writing to express my extreme frustration and disappointment with Early Warning Services, which I believe are in clear violation of the Fair Credit Reporting Act ( FCRA ). My ordeal with this service began on Thursday, XX/XX/XXXX, at XXXX XXXX, when I submitted a request for my credit report. It has now been 10 days since that initial request, and I have yet to receive access to the information I am legally entitled to under the FCRA. 

The FCRA clearly stipulates that credit reporting agencies are obligated to provide individuals with their credit file information upon request once a year. I have been diligent in my efforts to obtain this information by repeatedly contacting early warning services. Despite providing proper identification, including a picture of my passport and Texas driver 's license, I have been met with nothing but obstacles and a complete lack of cooperation. 

To make matters worse, early warning services closed my login information without any prior notice or explanation, leaving me unable to reset my password or access my credit report. This action has resulted in an extreme financial burden, as I am now unable to monitor my credit and make informed financial decisions. 

It is abundantly clear that early warning services have not only failed to fulfill their legal obligations under the FCRA but have also caused significant harm to my financial well-being. I demand immediate resolution of this matter and access to my credit report as mandated by the law. Furthermore, I expect a thorough investigation into the mishandling of my request and the breach of my personal information, as this is a serious violation of my rights as a consumer. Failure to address these concerns promptly will leave me with no choice but to seek legal action to rectify this situation.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America blocked my payment of XXXX to XXXX XXXX XXXX on XX/XX/2023 for a phone plan renewal with no reasons. My credit limit is XXXX and I have used any credit last month. 

When I tried to make payment to XXXX XXXX XXXX in all increments, they completely locked my visa credit card ending in XXXX. 

I have contacted Bank of Americas fraud prevention department but they couldnt explain why they locked the account except saying that it was system action There is no Bank of America branch near me. The nearest one is XXXX miles away from my home and I dont have a car. 

They refused to compensate me for the transportation costs and refused to unlock the account despite their acknowledgment that my account has no issues. 

By paying the XXXX XXXX XXXX in small increments as forced by them, I also paid extra fees as a result.
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

The guy sold me 7 XXXXXXXX XXXX and I XXXX  him on the day of XX/XX/19 because he was a staff in XXXX XXXX, so I trusted him and send him money first. But he refuse to ship out my XXXX and not refund. He promised me to send me refund by XXXX, but he ghosted and not responded anymore.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Creditors Bureau Associates (CA)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX  Account 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 a account without my written instructions
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2018-02-11
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.
Consumer complaint received 2023-09-10
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: EQUIFAX, INC. (MA)

I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} The account labeled as XXXX XXXX with Date Opened : XX/XX/XXXX has been incorrectly reported with a Balance of {$6400.00}, which is higher than I recall. This account was presented as closed, and therefore, the Past Due amount is not applicable. I am pursuing direct communication with the creditor to address this issue. I kindly request that your agency report this account as disputed during my efforts to resolve it. 
Account Identifier XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$940.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX has a Balance of {$100.00}, which does not align with my recollection of a lower amount. The inclusion of a Past Due amount for a closed and charged-off account is inaccurate and has negatively impacted my credit score. I intend to reach an agreement with the creditor to rectify this data. I request that your agency mark this account as disputed to prevent further harm to my credit score. 
Account Identifier : XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$1000.00} The account labeled as XXXX with Account XXXX XXXX XXXXXXXX and Date Opened : XX/XX/XXXX is not mine. I request the removal of this account from my credit report.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Friday XXXX ( XX/XX/08 ) I instantly deposited or transferred {$830.00} from my XXXX account to my Chime account. Everything went smooth. A couple of hours later my account was put on hold/suspended for suspicious activity. I received an email requesting identification and documents proving where the funds came from. I replied directly to the email and I submitted requested information immediately. I have NOT received a response. Ive spoken to several representatives that escalated my case to their back office each time. I still received no response. One of the representatives informed me that all escalations were done wrong and that she will do a correct one. Waited hours, still heard nothing. Finally I spoke with a supervisor informing them I am ready to file a complaint with XXXX  and CFPB if something is not done. The supervisor stated he has submitted an appeal. I received a ticket number XXXX. I was told I would receive an email, and something should be done regarding this. I have still heard nothing. I have still received no real help from anyone. They are unlawfully holding my funds and my account needs to be released immediately! I am entitled to the money I earned by working in the XXXX XXXX! There is no scam here. Chime is being ridiculous and their customer service is not professional at all. I need my funds immediately.
Consumer complaint received 2023-09-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services is a known debt buyer and are subject to the FDCPA. 
They have shown great negligence by reporting false and misleading information about me to the CRAs. I have never requested them to create an " account '' in their system for me and yet they have done so without my consent. They have contacted me repeatedly without my consent and they are currently furnishing inaccurate information. Pursuant to 15 USC 1692b they can not allege that I owe a debt however have been reporting so to the CRAs for months with not only one allege accounts but XXXX since XXXX & XXXX. 
These inaccuracies have caused immense damage to my reputation and my mental health.
Consumer complaint received 2023-09-09
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: Experian Information Solutions Inc. (NE)

i have a bankruptcy on my credit report that keeps showing up as verified when its not. i never filed bankruptcy and nobody will give me documentation of proof. my social doesn't match, address and phone number doesnt match. my phone number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.