davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: HYUNDAI CAPITAL AMERICA (SD)

Hyundai told us upon sale in XXXX that a lien title was going to be sent within 10 business days. Today is XX/XX/XXXX and I still have not received a title. I have called Hyundai motor finance almost twice a week since XXXX. I have been told that the title is in the mail over 5 times since then. I have talked to managers and had the case escalated several times with no results. Without a lien title, I am unable to register my vehicle, rendering it unable to be driven since XXXX after my self purchased dealer registration extension expired
Consumer complaint received 2024-06-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my private XXXX  loans, which I refinanced with Citizens Bank in XXXX. I attended the XXXX XXXX XXXX XXXX, XXXX from XXXX. My original loans were XXXX  loans. Recently, XXXX XXXX signed a bill in XX/XX/XXXX granting loan forgiveness for XXXX  who attended the XXXX XXXX, which includes my institution. I felt like I had no other option but to refinance my loans because for 4 years ( XXXX ) I had multiple different loans with multiple different interest rates and the total cost of the XXXX  loans was barely going down at all with all the interest rates. I tried contacting Citizens Bank and XXXX XXXX XXXX ( XXXX ) my loan service provider and they both said they couldnt help me with my situation. I even submitted a Borrower 's Defense Report and was denied. Despite meeting the criteria for loan forgiveness due to my attendance at the XXXX XXXX XXXX XXXX, I am currently ineligible for forgiveness because my loans were refinanced into private loans with Citizens Bank. I believe this situation is extremely unfair and inequitable for the following reasons : 1. Original Qualification for Forgiveness : My original loans were intended to cover my education at the XXXX XXXX XXXX XXXX, and thus, I should inherently qualify for the forgiveness program aimed at alleviating the financial burdens of XXXX XXXX students. 

2. Refinancing Details : In XXXX, I refinanced my XXXX loans with Citizens Bank to secure a more manageable interest rate and payment plan, a decision made under the impression that it would not affect any future eligibility for relief programs aimed at student borrowers. The refinancing was done solely for the purpose of better financial management and not to alter the nature or purpose of the debt. 

3. Disadvantage Due to Refinancing : As a borrower who attended a now-defunct and discredited institution, I feel penalized for taking proactive financial measures that were in my best interest at the time. Refinancing should not disqualify me from receiving the same relief that is available to my peers who maintained their loans with the original lenders. 

4. Equity and Fairness : The intention of the loan forgiveness program is to provide relief to those burdened by the educational and financial mismanagement of the XXXX XXXX. Excluding refinanced loans from this relief contradicts the purpose of the forgiveness program and unfairly disadvantages responsible borrowers like myself who sought better loan terms. 

Loan Account Number with Citizens Bank : XXXX Account Number with XXXX XXXX : XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX, I recently looked at my credit file an notice some inquiries that I never authorized. XXXX : XXXX XXXX XXXX XX/XX/XXXX, Capital one Auto finance XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX : Capital one auto XX/XX/XXXX, Capital one XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX logXXXX XXXXXXXX. I submitted an Ftc report notifying credit bureaus of unauthorized inquiries. I didn't give permission to run my credit is a violation of the FCRA and want these removed immediately. each violation will be XXXX each
Consumer complaint received 2024-06-27
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. (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was in the process of checking my credit report and noticed XXXX accounts under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize these accounts to be opened and did not even know it existed now it is impacting my credit beacuse someone fraudulently opened these accounts under my name without me knowing. The accounts in question are : XXXX XXXX XX/XX/XXXX, XXXX ACCT # XXXX {$2700.00} XXXX XXXX XX/XX/2020 ACCT # XXXX {$1800.00} XXXXXXXX XXXX XXXXXX/XX/2020 ACCT # XXXX {$260.00} I have filed an FTC report for all three accounts that were fraudulently opened under my name and have attached it to this report as well
Consumer complaint received 2024-06-13
Product: Credit card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A. (IN)

Received 4 calls yesterday back-to-back both from a XXXX, and XXXX as well as XXXX all calls identifying as a CITI and reported that my card was used incorrectly and to reset my passwords to all of my accounts. I called CITI today and they have no record of this call. I am reporting this as this was very unusual.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I just checked and reviewed again my XXXX, XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

Listed below are the dates and accounts of these unverified-unauthorized account. 

XXXX XXXX XXXX : XXXX XXXX, Experian XXXX. 

I requested debt validation according to 15usc code 1692g that I receive a detail list of a history of payments made by me on this account, also a signature on a contract guaranteeing that I pay this creditor. I also asked for proof of an insurance claim filed on this account, with proof of a chain of title to collect on this debt. I received nothing back so this debt should be removed from my credit report immediately.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Today I verified with XXXX XXXX XXXX that they have already notified all three credit bureaus of the status of a collection account, they verified with me today that a letter was sent asking that Account # XXXX XXXX {$820.00} be deleted from my file and that the account has been paid in full. I also recieved a letter stating the account has been resolved. XXXX sent letters out on the XXXX it is now over 30 days and according to the FCRA " Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days '' Because it is now over 30 days I kindly request that this account be removed immediatly from my credit. This inaccurate account is currently reporting on XXXX, XXXX, and Experian. There is another very logical issue with this account being reported as all three reports state that this account was last reported of XXXX XXXX, which means the credit bureaus have choosen to keep this inaccurate account on my credit file even though MCM is no longer reporting it. This is both completely unacceptable and is also a violation of the FCRA. Your immediate attention to this matter is most appriciated. XXXX was 48 days ago!
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (ID)

This is an ongoing problem at the local Keybank with racism. I brought the issue with the Executive office a year or so ago. Things got better for a while with changes in management but now they brought another branch manager whos not subtle about her racism. Her name is XXXX XXXX. My understanding is that the provision of the current federal civil rights act applies only to housing and not specified to other banking areas like checking. However, the Idaho human rights act still applies. Anyways, the persistent issues relates to staff like the branch manager asking me for my license when I have been coming to this same branch for a long time now. 

Today, I came into withdraw money but XXXX  XXXX XXXX  attended me. I ask her for a withdrawal slip to write my account number and sign it. She stated that I had to provide a license or use my debit card because I dont know you and the people that know you are not here. I told her that the account and signature are on the slip. She refused to serve me unless license was shown so I told her that I had ro grab it from my car. 

Thereafter, she proceeded to act like an XXXX XXXX XXXX by refusing to provide the ticket with the full balance and rub it more on my face by patronizing me telling me not to lose my license. 
There are so many issues at this branch : 1 ) why is racial bias a persistent problem? Regardless, of whos in management. 2 ) why is service so inconsistent with some staff accepting me writing the account number on the back of checks or withdrawals slips? 3 ) is it safer to do transactions by use of debit cards ( that could be stolen ) or by using slips with handwritten account and signature that reflects more correctly the customers signature than some stupid scribble on a pad? 4 ) where can customers find the banks policies regarding deposit and withdrawal? None is provided at account opening.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rightsXXXX with the account number XXXX was paid as agreed on time. I was never late on this account. I tried disputing this account multiple times now but EXPERIAN and XXXX still reported it as NEGATIVE on my current or new report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am XXXX XXXX  because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

My identity was compromised in a data breach, there were over 20 things reporting on my credit. XXXX confirmed this is a bank. I only have 2 bank accounts this company is not one of them. Midland Credit is reporting an account in collections. I have asked this company to send me the original contract with my signature but have not received a response.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AZ)

Debt collectorCredence Resource Management refuses to remove collections from my credit report. I paid the original creditor in full and disputed the account because Credence Resource Management refused payment. 

I talked with XXXX that tried to get me to pay for my credit report which I get for free through XXXX  and XXXX XXXX 

I think it's illegal for debt collectors to attempt to collect debt or report to credit bureaus a collection account Wynn it's paid in full. 

I believe the amount needs to be removed from my account free of charge since it's paid off
Consumer complaint received 2023-11-02
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. (NJ)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Closed Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Subject : Request for Copy of 1099-C and Resent Validation Letter Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request copies of certain documents related to the debt account in question, which is being serviced by your agency.

Firstly, I kindly request a copy of the 1099-C form associated with the debt. As a consumer, I believe it is important to have a clear understanding of all relevant tax documentation related to any forgiven or canceled debt. 

Secondly, I would like to request a resent copy of the validation letter that was originally mailed out to me on XX/XX/year>. I previously disputed this account and to my knowledge, nothing was sent to me to legally verify this account in accordance with my rights under the Fair Debt Collection Practices Act. 

I understand the importance of maintaining accurate and up-to-date records regarding my financial obligations, and I believe that having access to these documents will help me in managing my financial affairs effectively. 

I kindly ask that you provide me with the requested documents at your earliest convenience. Please send the copies to the address listed above. If there are any fees associated with obtaining these documents, please inform me in advance. 

Thank you for your attention to this matter. I look forward to receiving the requested documents promptly. 

Warm regards,
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OK)

PayPal credit will not stop calling. I received anywhere between 5-10 calls a day, even as late as XXXX and on weekends. Just yesterday, XX/XX/XXXX I received four phone calls at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time I answered and asked for them to stop calling my number.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year>2023 :
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (WA)

Discovered fraudulent student loan in my name on credit report. 

Account name MOHELA/DEPT OF XXXX Account number XXXX .... 
Recent balance {$1800.00} as of XX/XX/year> Date XXXX Status Open/Never late. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Address identification number XXXX Type Education Terms XXXX Months Credit limit or original amount {$2000.00} High balance Not reported Monthly payment {$22.00} Recent payment amount {$32.00} as of XX/XX/year> Date of status XX/XX/year> Responsibility Individual