davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
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 (NJ)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX and financed the vehicle through KIA Finance. I paid the vehicle off on XX/XX/XXXX and had expected to receive my title shortly thereafter. I contacted KIA finance and was advised that I would receive the title within 14 days. I contacted KIA finance at the end of XXXX and advised that I had not received the vehicle title. I was advised that the title was sent to my old address a home that I sold in XX/XX/XXXX. My mailing address was changed however, the company failed to follow through. I was furthered advised by a representative that a lien release letter from KIA would be sent which was received XX/XX/XXXX six weeks after the initial request. 

On XX/XX/XXXX I went to the New Jersey Motor Vehicle Commission to obtain a duplicate title and I was advised that the KIA lien release letter was unacceptable because Hyundai Capital America was on the title documents filed with the state. The motor vehicle commission representative stated that I would need a merger letter or lien release letter from Hyundai Capital America. I contacted Hyundai Capital America the same day and was advised that I would receive the merger/ lien release letter from Hyundai Capital America with in 3-5 days which did not occur. Hyundai Capital was contacted again on XX/XX/XXXX advising their representative that the merger/lien letter was not received. The representative stated that the letter was mailed on XX/XX/XXXX which was 11 days ago. 

I am bringing this issue to your attention so that someone can investigate and have Hyundai Capital America forward their merger/lien release letter so that I can obtain a duplicate title. In addition, Hyundai Capital America should be responsible fee paying the {$60.00} duplicate title fee since they caused this problem.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX   {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX CXXXX FRADULENT INQUIRIES : XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX BXXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10. XXXX XXXX
Consumer complaint received 2023-09-11
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I put a credit freeze on my Experian, XXXX  and XXXX  account last year because I wasnt looking for a new credit and I wanted to be safe. Now, I need to apply for a loan and need to unfreeze my account with all 3 and I was able to do it except with Experian. I followed their websites to the letter, I even have my PIN, after I put all my information, and submit, it says " We are unable to process your request. 

If you would like further assistance in removing your Freeze, please contact us at XXXXEXPERIAN '' So, I called the number, and there is NO person talking to me only the robot, and the robot DOES NOT have an option to unfreeze my account. Then, I went back to the site and re-submit the unfreeze application. After I hit submit, it says " To permanently remove your security freeze, please mail us this letter XXXX or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue XXXX statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. '' Are they serious? Their incompetent website and incompetent call center is a punishment for me? Now, I need to mail my documents to them? I was able to unfreeze with 2 other bureaus easily, why is Experian making everything harder? Cant they just make a system that allows unfreeze credit report?
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the XXXX XXXX XXXX  to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc ()

I was solicitated by a company based out of California called XXXX. This is what a representative of XXXX said in a voice mail left to me. " Your student loans can be forgiven. Hurry and call back because it's a first come first serve basis. '' When I called the representative for XXXX claimed they could help me with my student loans. 

Because of the Pandemic and my being unemployed I was worried as to how I was going to make the payments on my loans. On XX/XX/2021 I signed an agreement with XXXX. They agreed to do the following for me. This was on page 6 of the agreement I signed. 

Scope of XXXX XXXX XXXX Hereinafter referred to as XXXX XXXX  representation of Client ( XXXX ) is limited to the following services : Service ( s ) : 1. Loan ( s ) will be placed on hold for 3 months on an administrative forbearance while processing your student loan consolidation XXXX no student payments are due during this time ) 2. All 6 loans will be consolidated into one account, resulting in less interest accrued. 
3. Lower interests and one payment will be applied under the Revised Pay As You Earn ( REPAYE ) program. 
Service Agreement Client Signature I hereby confirm and authorize this Service Agreement with XXXX XXXX XXXX and all guidelines and restrictions set forth herein : Client Name Client Signature Date XXXX XXXX XXXX SIGNATURE } { SIGNDATE } Everything listed on page 6 had already been done as of XX/XX/2021 by the Federal Government when they passed the Cares Act. XXXX was claiming they were going to provide a service that the Federal Government had already provided to folks who already had federal loans. 

In my agreement with XXXX I agreed to pay {$110.00} cents over a five month period. The payments would be made with my Chime Debit Card. I made two payments to them with my Chime Debit Card when I discovered that XXXX had falsely claimed they had provided the services I listed above. I immediately requested payments to stop, and a refund of the two payments I had made of {$110.00} be returned to me. XXXX stopped payments, but refused to return the two payments I made. They claimed they were charging me for paper work they had to do on my behalf. I made several requests for copies of the paper work that had been submitted on my behalf, and they continually ignored me and sent nothing. 

Because my wife is the card holder of the Chime card that was used, she lodged a complaint with Chime explaining why we were trying to recover the two payments made to XXXX. Chime could not recover the two payments made to XXXX. 

My claim comes down to this. XXXX did not provide the service they claimed they would per page six of the agreement.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not sign up for an account with XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested XXXX  and Transunion to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica ()

US Direct Express closed complaint XXXX with no resolution. 

They sent an email claiming they could not contact me by phone. My son tried calling them twice and no response. When I called them and left them my phone number, they closed the complaint because my son filed the complaint for me. 

US Direct Express representatives may not know how to make international phone calls. 

Send any paperwork needed to make someone my representative dealing with US Direct Express.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

The credit Bureaus have ignored my request for their methods of verification regarding accounts that are inaccurately reporting on my credit report. I am aware that according to the FCRA the Bureaus are required to provide such methods if requested by the consumer. Instead they choose to blatantly ignore me and my request all together forcing me to take additional measure such as filing a complaint. 

I'm exhausted and simply want to correct any errors and inaccurate reporting on my credit report but they aren't conducting real investigations. They're only providing automated responses which is doing harm to my credit because I am not able to have these issues resolved.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

Good morning, On XX/XX/2021, at XXXX XXXX I withdraw {$400.00}, from a TD bank Atm located at XXXX XXXX XXXX in the XXXX, NY. As soon as I took my atm card out and waited for my cash to be dispense, the machine turned off. I informed the store worker, ( ATM machine was inside a Metro PCS store ) and told him the machine didn't give me the money. The Store worker informed that the machine was having issue all day and someone had just came to service the machine. I had made three claims to TD Bank, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and all three were denied. The machine didn't dispense the money, and it was not my fault due to the machine malfunction. I'm sure they can check the ATM camera and see that I dint take the cash.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

I got AMEX Gold card XXXX which charges {$250.00} annual fees. I was charged the same fee {$250.00} this year on XX/XX/2020 to renew the card. I was not asked if I want to renew membership as it was automatically renewed, per customer service manager. With COVID, I wanted to cancel the card as I don't want to take any unnecessary credit cards. Today ( XX/XX/2020 ), I chatted with the manager who said I will not get the annual fees back ( prorated ). Had I known that I would be automatically renewed and charged this fee, I would have cancelled much earlier. I need your help in resolving this.
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (VA)

Mrs. Associates XXXX XXXX XXXX XXXX XXXX, NJ XXXX Amount XXXX. 
I have made serval attempts dating back to XXXX of XXXX, making serval disputes against the company. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

After multiple attempts to receive a credit for a returned appliance that was damaged the company keeps passing me to third-parties and saying the refund is " in process '' but continues to accumulate interest charges.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been in constant contact with TransUnion Fraud Department regarding US BANKRUPTCY COURT account XXXX. I have provided all of the information that they have requested in a timely manner including but not limited to : Identity Theft Report FTC Report Drivers License Social Security Card Document Signed Notary Police Report I have also followed up via telephone multiple times. Each time I speak with a representative they advise the accounts are valid with no explanation or proof. I have been met with multiple stall tactics that include : Claims that I am a Third- Party : I have PROVEN through phone calls and documents sent that I am working alone to correct this issue.

Information not received : I have again PROVEN through tracking confirmations that they have received my documents as requested. 
Verified through eXXXX system and not by a full investigation : According to the FCRA I am entitled to this, which has not happened. 

This also is not posted on any other bureau.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC (FL)

I paid for my son 's commissary and it came out of my bank account but did not get deposited. When I called JPay, they said it has to be accepted by the " facility '' so they are going to hold onto it until then. When I called " the facility '' they said they don't know anything about jpay. They gave me a different number XXXX XXXX XXXX which I called several times but there are too many callers repeatedly so call back later.
Consumer complaint received 2023-09-11
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I am a victim of identity theft. I have sent several certified letters over to your company to only get no response and ignored. As a consumer i feel that my rights were violated which i will state several violations.I will file a petition in small claims court for Defamation, Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Theft. The Chex System has ruin my life and put me in great pain, In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater : ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.