davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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 (NY)

I am writing to file a formal complaint against KIA Finance for their gross negligence and repeated failures in handling my vehicle registration transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since XX/XX/2023, I have faced numerous roadblocks due to their incompetence, jeopardizing my compliance with legal requirements and causing significant financial hardship. 
The Issues : Incorrect Titling Address : Despite repeatedly clarifying that the title 's garaging address XXXX XXXX XXXX  differs from the mailing address XXXX XXXX XXXX KIA Finance continues to send the title with the incorrect address. This critical error prevents me from registering my vehicle in XXXX, where I have resided for nearly XXXX months. 
State Requirement Violation : New York law mandates vehicle registration within 30 days of establishing residency. Due to KIA Finance 's persistent errors, I risk exceeding this legal timeframe and incurring potential penalties.

Inadequate Customer Support : Despite assigning an Executive Customer Support representative in XX/XX/2023, communication remains abysmal. My attempts are met with lengthy response delays, conflicting information from lower-level support, and a complete lack of proactive updates on the title 's status. The last contact, in XX/XX/2023, was only achieved after directly involving the representative in a call with the MA  RMV to expose their consistent form submission errors. Since then, I have received no further communication despite repeated attempts. 
Financial Burden : KIA initially acknowledged their responsibility by covering the cost of re-registering the car in MA in XX/XX/2023. However, after this call with the MA RMV confirming their incorrect form submissions, they inexplicably retracted their admission of fault and refused to reimburse the resulting insurance overages I incurred.

My Request : I urge your immediate intervention to resolve this frustrating and costly situation. I request the following : Expedited Address Correction : KIA Finance must submit a corrected form to the MA RMV reflecting the accurate garaging address ( MA ) and mailing address ( NY ).

Investigation and Corrective Action : Conduct a thorough investigation into the repeated titling address errors and implement robust measures to prevent future occurrences.

Improved Communication : Facilitate effective communication with KIA Finance, mandating regular updates on the title 's progress and establishing a definitive timeline for its arrival.

Reimbursement : KIA Finance must honor their initial acknowledgment of culpability and reimburse me for the insurance overages they caused due to their negligence.
Consumer complaint received 2023-08-31
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX I ; Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the FAIR CREDIT REPORTING ACT. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NY)

I have several accounts with Synchrony Bank. Currently my issue is with Care Credit. I have had the same issue with my Lowes account as well as my PayPal Master Card. 

My initial credit limit for Care Credit was {$3500.00}. I have had the account for XXXX months. I have never missed a payment. I have auto pay set up to almost double the minimum amount due to pay the balance down quickly. Was finally making progress on the balance and they reduce the credit limit to {$2700.00}. Affecting my credit score. The same was done with Lowes and PayPal previously. I have been actively and vigorously working hard to pay off all debt this passed year to raise my credit score. In the past XXXX months I have had a reduction of XXXX in my over all debt. Yet feels like I am still being punished by reducing the credit limit, directly affecting my credit score. I called them to file a complaint directly through Synchrony and they said I had to dispute it with the credit bureau. The credit bureau is not who reduced the credit limit. They refused to help so I closed the account. Which will also reduce my credit score, but refuse to continue to do business with a company that does not reward people for paying their bills. I will be closing the other accounts I have with them as well.
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My loan recently transferred from XXXX to Mr. Cooper. Mr Cooper neglected to pay the insurance renewal, of which resulted in it being cancelled with no option to reinstate. The ins rep acknowledged that they rec a notice of cancellation yet did not remit payment so that the cancellation could be avoided. I have been communicating with both Mr Coopers customer service department and insurance department to no avail. I have even tryed to obtain the assistance of FBs online service representative. Its as though no one cares. 

The policy canceled on XXXX/XXXX/XXXX and I am still without insurance. 

Mr. Cooper, formerly known as Nationstar Mortgage
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, XXXX and Equifax removed 6 fraudulent accounts, please also help me with XXXX XXXX and Equifax to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MA)

I ordered a payoff so the home could be sold. NewRez was provided a written request to generate a payoff with signed borrower authorization form but NewRez refused to do send one in a timely manner. This is an ongoing issue with this servicer as they repeatedly refuse to process payoff requests for borrowers.
Consumer complaint received 2023-08-31
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. (SC)

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 subsection a, it emphasizes the importance of consumer reporting agencies fulfilling their responsibilities in a fair, impartial, and respectful manner towards individuals ' privacy rights. XXXX Equifax and XXXX are examples of such agencies, and as a consumer, I have the right to safeguard my personal information from being shared. This right is reinforced by 15 USC 6801, which states that financial institutions have an ongoing obligation to uphold customer privacy and protect the security and confidentiality of their nonpublic personal information. By definition, the " furnisher of information to credit agencies '' falls under the category of financial institutions. Moreover, 15 USC 1681 section 604 subsection a subsection 2 specifies that consumer reporting agencies can only provide consumer reports under certain circumstances and with the written instructions of the relevant individual. Neither the financial institution nor the consumer reporting agencies, XXXX Equifax and XXXX, have obtained my consent in writing or any other form. Consequently, any consent previously given to XXXX Equifax, XXXX, or the " furnisher of information to credit agencies, '' whether expressed verbally, non-verbally, in writing, implied, or otherwise, is hereby revoked. According to 15 USC 6802 subsections b and c, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining to the consumer how they can exercise their option to maintain nondisclosure. However, the " furnisher of information to credit agencies '' failed to inform me of this right. Furthermore, as per 15 USC 1681C subsection a subsection 5, no consumer reporting agency is permitted to include certain adverse information in a consumer report unless authorized under subsection b or if the information is a record of a crime conviction that predates the report by more than seven years. Since this account is an adverse item being reported without my consent, it is a violation of the law. Additionally, 15 U.S. Code 1681s2 subsection A subsection 1 prohibits any person from furnishing inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies establish and maintain reasonable procedures to prevent violations of section 1681c and to restrict the provision of consumer reports to the purposes listed in section 1681b. XXXX Equifax and XXXX have not demonstrated reasonable procedures in this regard. Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (PA)

You have not proven in accordance with the laws of the State of Pennsylvania, specifically12 PA Cons Stat 6254, as well as State XXXX and XXXX statutes, a deficiency claim can not be valid unless all required notices were DULY provided in a proper and TIMELY manner. 
Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. The burden of proof of delivery or service can not be determined therefore the alleged deficiency claim is null and void. Further, you have failed to provide traceable evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 
Your company is well known for its predatory behavior and unsavory business practices, as clearly shown in the lawsuit CONSUMER FINANCIAL PROTECTION BUREAU AND THE PEOPLE OF THE STATE OF NEW YORK, V. CREDIT ACCEPTANCE, CASE NO. XXXX XXXX, XXXX. " Credit Acceptance profits even when borrowers are unable to pay their loans in full by using aggressive debt collection methods. As a result of Credit Acceptances practices, customers faced late fees, repossessions, auctions, post-repossession collection efforts, lawsuits, and ruined credit profiles ''. You have maliciously and intentionally reported several inaccuracies violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
You are inaccurately reporting to the credit bureaus the deficiency balance as past due and fraudulently accruing and reporting interest on the loan that is closed. The terms of the loan were accelerated after the sale of the vehicle therefore you can not report a monthly past due balance of OVER_120_DAYS_PAST_DUE nor continue to accrue interest as there is no longer monthly terms. This is a clear violation of ( FCRA ). Your retaliatory actions are a clear violation of15 U.S.C. 168 & 18 USC 894. You are further in violation of Section 623 ( a ) ( 1 ) ( B ) since you have failed to provide ALL legal documentation. I demand this account be deleted.
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX Vin # XXXX I have refinanced my vehicle with chase bank i have not been able to get DMV tags since XX/XX/2017. DMV is not clear who is a the lean holder on the title is. I have called chase bank many times and send them all the required documents but they have not able to help me to get my vehicle registered since XX/XX/2017. This vehicle was for my big family to travel and enjoy but it has been a headache since I refinanced with chase. I been making every monthly payment for this vehicle but have not been able to drive it.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The following account you are publishing about me is inaccurate and incomplete : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX  XX/XX/2018 I have contacted Equifax more than once regarding this same issue and they do reply on here that they are working on it but never fully finish. I have sent in identity theft package and requirements. They have failed to comply with federal law regulations. 

I need this removed as soon as possible because reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity.
Consumer complaint received 2023-08-31
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. (SC)

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 subsection a, it emphasizes the importance of consumer reporting agencies fulfilling their responsibilities in a fair, impartial, and respectful manner towards individuals ' privacy rights. TransUnion XXXX and XXXX are examples of such agencies, and as a consumer, I have the right to safeguard my personal information from being shared. This right is reinforced by 15 USC 6801, which states that financial institutions have an ongoing obligation to uphold customer privacy and protect the security and confidentiality of their nonpublic personal information. By definition, the " furnisher of information to credit agencies '' falls under the category of financial institutions. Moreover, 15 USC 1681 section 604 subsection a subsection 2 specifies that consumer reporting agencies can only provide consumer reports under certain circumstances and with the written instructions of the relevant individual. Neither the financial institution nor the consumer reporting agencies, TransUnion XXXX and XXXX, have obtained my consent in writing or any other form. Consequently, any consent previously given to TransUnion XXXX, XXXX, or the " furnisher of information to credit agencies, '' whether expressed verbally, non-verbally, in writing, implied, or otherwise, is hereby revoked. According to 15 USC 6802 subsections b and c, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining to the consumer how they can exercise their option to maintain nondisclosure. However, the " furnisher of information to credit agencies '' failed to inform me of this right. Furthermore, as per 15 USC 1681C subsection a subsection 5, no consumer reporting agency is permitted to include certain adverse information in a consumer report unless authorized under subsection b or if the information is a record of a crime conviction that predates the report by more than seven years. Since this account is an adverse item being reported without my consent, it is a violation of the law. Additionally, 15 U.S. Code 1681s2 subsection A subsection 1 prohibits any person from furnishing inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies establish and maintain reasonable procedures to prevent violations of section 1681c and to restrict the provision of consumer reports to the purposes listed in section 1681b. TransUnion XXXX and XXXX have not demonstrated reasonable procedures in this regard. Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2023-08-31
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by XXXX XXXXXXXX XXXX  XXXX Discover Bank XXXX and XXXX XXXX XXXX These late payments have adversely affected my credit score and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section 602, which ensures my right to privacy.

Furthermore, under 15 USC 1681 Section 604 A, Section 2, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to [ Credit Reporting Agency Name ], and therefore, the inclusion of these late payments in my credit report is a violation of this provision.

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that XXXX, XXXX, and XXXX promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX