davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (NY)

In XXXX of 2023, an unfortunate car accident resulted in the total loss of my leased vehicle, which had been in my possession for less than a month. Following protocol, a letter of guarantee was promptly issued by Kia and forwarded to the insurance provider, XXXX, outlining the necessary payout amount for the loan. XXXX duly honored the letter of guarantee, remitting the specified sum as per the directive. 

However, complications arose months later when Kia communicated an unexpected deficiency of just over {$9000.00}, attributing it to an error in the initial letter of guarantee submitted to XXXX. Regrettably, by the time the corrected version was dispatched, XXXX had already closed the claim, leaving the residual amount unresolved and ultimately the responsibility of myself, the leasee. 

Despite diligent efforts to rectify the situation, including appeals to both Kia and XXXX, the matter remains unresolved. Persistent attempts to reconcile have resulted in a frustrating cycle of inconclusive dialogue, leaving me caught in the middle, grappling with conflicting accounts from the respective parties. 

It's particularly confounding given that I had a trade-in valued at just over {$7000.00} at the inception of the lease, casting doubt on the substantial discrepancy in the outstanding amount owed. The prolonged ordeal has not only adversely impacted my credit score but has also escalated to the involvement of a debt collection agency.

In light of these circumstances, it's imperative for a swift and equitable resolution to be reached, safeguarding the individual from unwarranted financial burden and undue stress. Efforts to mitigate the fallout of this dispute have thus far proven futile, underscoring the urgent need for decisive action to address this persistent and distressing predicament.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX2024 I visited a XXXX XXXX office for a XXXX. The upfront payment, before insurance covered anything, was {$410.00}. This transaction fell in the XX/XX/XXXX2024 statement covering transactions from XX/XX/XXXX24 through XX/XX/XXXX2024. 
As of today, XX/XX/XXXX2024, the due date for the XXXX 2024 statement is XX/XX/XXXX2024 with a statement balance of {$730.00}. 

On XX/XX/XXXX2024, the XXXX XXXX office issued me with a refund of {$350.00} given that insurance ended up paying a share of my copay. 

On XX/XX/XXXX2024 I made a payment towards my XX/XX/XXXX2024 statement in the amount of {$380.00} because that's the difference between the statement balance of {$730.00} and the XXXX XXXX office refund of {$350.00}. 

On XX/XX/XXXX2024, this morning, I chat with a Bank of America representative ( XXXX from XXXX, NY ) to confirm that the XX/XX/XXXX 2024 statement balance has been fully satisfied because Bank of America is in receipt of the full XX/XX/XXXX2024 statement balance as a result of the addition of my payment in the amount of {$380.00} and the XXXX XXXX  office refund in the amount of {$350.00}. 

The representative states that a merchant refund does not count towards my statement balance owed and that I must fully satisfy the {$730.00} out of my own money in order to avoid interest, and that any excess funds will be issued as a credit at a later time. I respond to the representative that it doesn't make sense but they insist that if I want to avoid interest, then that's what I have to do " per the credit card terms ''. 

No other credit card provider handles merchant credits this way. Not to mention the amount is nearly half of my statement balance. Why do I have to pay BOA money that they already have, only for them to refund me at a later time? What if it was thousands of dollars? 
This hurts consumers in the way that BOA is receiving an advance on excess funds only to distribute it back to the consumer at a later time. 

Also, their payment screen doesn't have a " remaining statement balance '' option only the total statement balance and current balance. This is deceptive by not clearly providing consumers with an exact amount to satisfy in order to avoid interest. Again, this probably results in consumers overpaying BOA and having to wait for refunds at a later time. 

I may be just one person, but if this is happening throughout their entire credit card products, then hundreds of millions of dollars are being advanced to BOA by millions of consumers essentially an interest free loan. This is not right.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

FRADULENT CREDIT INQUIRIES ON XXXX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FRADULENT CREDIT INQUIRY ON TRANSUNION XXXX XXXX XXXX FRADULENT INQUIRIES XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (PA)

I went to XXXX for my birthday in late XXXX of XXXX. I used my credit card ending in XXXX once at a restaurant while I was there, a 2nd time at a pharmacy for medicine, third time at a XXXX gas station ( XX/XX/XXXX ) in XXXX XXXX on the way to the airport and the final 4th time in terminal 4 at XXXX XXXX XXXX. I originally claimed the 4th charge as fraud too because my girlfriend grabbed my card at the register in the airport because we both have Active cash cards. I realized a few days later I that purchase was made on my card and had it removed from the investigation. At the shady gas station, the attendant tried charging me over XXXX pesos. I argued with him for 10 minutes saying his pump is off considering I had 3/4 of a tank when I got there and XXXX pesos is over XXXX US dollars. He couldnt understand English and I only had XXXX pesos left so I gave him my card to use for payment so we could make it to the airport in time. He said the card declined and the price on the pump magically changed to XXXX, so I paid him XXXX pesos in paper currency and went on my way. Either the card went through and they charged it for {$380.00} or it was hacked and someone got the numbers. All 4 times I used the card in XXXX I never got a text immediately after like I do in the US to be sure the transactions were from me. Nobody can tell me the location of where the {$380.00} charge was made and Ive never heard of the place theyre trying to pronounce over the phone. The address to the XXXX gas station is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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: Maximus Federal Services, Inc. (TN)

I was checking my credit report and noticed that the credit bureau was reporting my student loan debt while I am still a student acquiring my XXXX XXXX XXXX XXXX XXXX. All while as I stated am still a XXXX XXXX XXXX XXXX XXXX XXXX, not to mention my loans are deferred until XXXX. Therefore, while interest may still be a factor by law these loans should not be on my report according to statue 15 USC Code 1681B permissible purpose of consumer report or, considered late by 15 USC code 1666B timing of payments. This has caused me a very high percentage rate on buying a vehicle just to commute to my job in the education field which is my career passion.
Consumer complaint received 2023-12-19
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (WA)

Subject : Urgent Complaint Regarding KeyBank National Association 's ErrorDear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a distressing matter regarding a significant error made by KeyBank National Association, which has had severe repercussions on my financial stability and overall well-being.On XX/XX/XXXX, I deposited a paycheck from XXXX totaling {$860.00} into my XXXX account. At the time, I was uncertain if the paycheck had been previously cashed out, but I trusted that such matters were within the purview of the banking system to manage accurately. However, approximately one week later, I was abruptly terminated from my job, which coincided with a series of unfortunate events involving my XXXX XXXX XXXX checking account.The error occurred when KeyBank National Association mistakenly directed funds intended for my XXXX account into XXXX XXXX XXXX XXXX checking account instead. This erroneous transfer caused significant disruptions to my financial obligations, resulting in overdrafts and ultimately the closure of my XXXX XXXX XXXX  checking account due to insufficient funds.Moreover, this is not the first time I have encountered such challenges with banking institutions. Previously, XXXX XXXX closed my checking account citing concerns of fraud, exacerbating my financial predicament.The inability to access a checking account has severely hindered my ability to manage daily expenses, particularly as I rely heavily on online shopping for essentials such as food, groceries, and clothing. Additionally, the loss of employment coupled with the financial turmoil caused by KeyBank 's error has left me in a precarious situation.I am deeply troubled by the repeated mistakes made by KeyBank National Association, which have had profound consequences on my financial stability and employment status. I implore you to investigate this matter urgently and take appropriate action to rectify the error, as well as provide assistance in restoring my access to banking services.Thank you for your attention to this matter. I eagerly await your prompt response and resolution to this pressing issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-19
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. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} 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 Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

This is my second complain against this company. I request all late fees to be refunded due to their faulty interface that causes my payments to ring late even when put on automatic withdrawals. I attempted to fix the issue more than once and have not been able to follow the instructions given due to the faulty system. 

See complaint : XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These above companies have violated my privacy rights. as well as reported inaccuracies ' on my report. according to these laws. 
15 U S C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A. a person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This inaccurate information is preventing me from obtaining a home for me and my family.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (MO)

I am writing to bring to your attention a matter of concern regarding the reporting of my educational records, specifically the transaction history, to credit reporting agencies. This action by AIDVANTAGE, is a clear violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974. 

FERPA, codified at 20 U.S. Code 1232g, protects the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to maintain the confidentiality of student records and can not disclose personally identifiable information without the student 's consent. Moreover, the Privacy Act of 1974 explicitly states that the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his/her education, financial transactions, medical history, etc. Transaction history pertinent to educational loans or financial matters, falls squarely within the realm of protected information. As a student loan servicer/custodian of these records, AIDVANTAGE  is bound by FERPA regulations when handling my account information. 

I have reviewed my credit report from XXXX, XXXX and XXXX and noted that my account information, pertaining to my student loans serviced by your organization, has been reported to credit reporting agencies. This action appears to be a violation of my rights under both FERPA and the Privacy Act. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

I am demanding that you cease reporting my account information to all credit reporting agencies, as required by law. Furthermore, I expect confirmation that my account information has been removed from XXXX, XXXX and XXXX and all other credit reporting agencies. 

Due to such negligence this issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for AIDVANTAGE  's actions but also compensation for the financial damages and emotional distress incurred due to their XXXX reporting activities. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by AIDVANTAGE. Failure to comply with these legal obligations may result in further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I anticipate your cooperation in resolving this issue in accordance with the applicable laws and regulations.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Account name : XXXX ; # XXXX, XXXX XXXX XXXX : XXXX ; # XXXX, XXXX : XXXX ; # XXXX, XXXX  XXXX : XXXX ; # XXXXXXXX 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  : 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 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.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING PERTAINS TO A DEBT THAT I SUPPOSEDLY OWE THEM. 
THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THEM, THE CREDITOR AND I HAVE RECEIVED A 1099C, COPY B FROM THEM CONFIRMING THIS. ALSO XXXX XXXX XXXX HAS REFUSED TO STOP REPORTING MY TRANSACTION HISTORY AS I PREVIOUSLY REQUESTED. PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW RESCINDING ALL AUTHORIZATION GIVEN TO REPORT MY INFORMATION TO A THIRD PARTY AFFILIATE ; WHETHER WRITTEN, UWRITTEN, VERBAL, OR NONVERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITLY. XXXX XXXX XXXX IS ALSO REPORTING A BALANCE OF {$1800.00}, ON AN ACCOUNT THAT THEY HAVE ALREADY WRITTEN OFF AND HAVE SENT A 1099C TO ME THE CONSUMER, CONFIRING THIS. THIS DEBT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED OR UPDATED ON MY CREDIT REPORT. 
IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT. I AS THE CONSUMER EXPECT THIS ISSUE TO BE FIXED IMMEDIATELY.
Consumer complaint received 2024-04-10
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: NAVY FEDERAL CREDIT UNION (TX)

After viewing my credit report XXXX XXXX ran my credit 6 times with XXXX, XXXX and XXXX, I need sign documentation that i gave them permission to run y credit, the XXXX fraudulent and needs to be deleted off of all of my credit reports.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.