davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from Hyundai Motor Finance ). HMF then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). Hyundai Motor Finance claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that HMF would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that HMF broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. 

HMF also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called HMF ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call HMF indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. HMF informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. 

HMF then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. HMF has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. 

I have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by HMF I will be pursuing legal action and enforcing my rights under consumer law.
Consumer complaint received 2017-09-05
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: Bread Financial Holdings, Inc. (SC)

Hard inquiry appears on my credit reports - XXXX, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

My name is XXXXXXXX XXXX.I am an XXXXXXXX XXXX and i have been with XXXX for more than 6years. 
In XXXX i got a SBA LOAN and i was approved as an Independent contractor.The funds was deposited in my checking account with Citibank, i used some for utility bills that i had pending because of the pandemic [ COVID 19 ] then i transferred the remaining money to my savings account which is also with Citibank. 
A couple of days later i realized that my savings and checking accounts has been frozen without prior notification, i immediately contacted Citibank in regard to the accounts and they said they were investigating. 
After a year and half i was contacted by the attorney general that Citibank has released the funds in my checking account and the money was given to me in XXXX. 
I contacted Citibank after that to ask them about the funds in my savings account and they responded that they had returned it to SBA LOAN, I called the SBA OFFICE to be sure they had gotten the money but they said they did not receive any money from Citibank. 
By XX/XX/XXXX i am expected to start my loan repayment which is the problems i have now because i didnt even get to use the money. 
I would really appreciate your help in looking into this matter as i am so helpless and troubled right now.
Consumer complaint received 2022-03-10
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. (AZ)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

Re : XXXX XXXX Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.
Consumer complaint received 2017-10-23
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc. (NV)

This is Not my debit. I did Not have XXXX coverage the date I was billed. I spoke to a representative at XXXX who said she took care of the matter last year. I had XXXX coverage and I have Proof. I lived in Nevada also. So this is Not my bill
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank closed my account for a returned payment when the payment cleared the account. It 's important to note this account was paid in full earlier this year. I contact Synchrony Bank and was advised the payment was reflected but I was required to fax evidence of the payment. This is XXXX of many accounts I have with Synchrony Bank and I continual experiece problems with payment process, fraud, name change to an unknown name, it goes on and on.
Consumer complaint received 2017-10-23
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. (TX)

I have tax liens on my Consumer report with XXXX, XXXX and Equifax. I have contacted Equifax to disputa all tax liens, Equifax did an investigation and stated in a report the information was provided from XXXX and that XXXX verified the records as belonging to me. I contacted XXXX on XX/XX/XXXXand was told an investigation would be done and results sent to me. XX/XX/XXXX, XXXX Consumer Report XXXX case Number XXXX that states the XXXX XXXX XXXX in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted XXXX on XX/XX/XXXXand told XXXX that XXXX XXXX Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX XXXX Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to XXXX for the their review. Again, I was told that XXXX XXXX XXXX supplied the information, which XXXX XXXX XXXX, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CO)

I had a medical debt for XXXX dollars with a different collection company and i paid it and had it removed from my credit report in exchange for payment. I am trying to refi my home loan and a brand new collection for the exact same amount is now on my credit report from a different company. They wo n't send me any proof of the bill. I believe its because its a duplicate bill that has already been paid. I 've attempted to have this removed already with the company and the credit bureaus.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (MA)

I took a car loan out for a used XXXX XXXX with Chase Auto in XXXX of XXXX. I have been paying {$470.00} per month for more than two years. I did miss one payment due to an issue with my bank direct deposit. I called them and rectified the issue and paid the month that had not been taken out with direct deposit and provided them with the correct information. They said they would make a note that the payment was made on time, but apparently that did not happen on their end. 

Recently I had a baby and have been out of work. I fell behind on my payments and was getting the money together to bring myself current. On XX/XX/XXXX they came to my house at night and repossessed my car. I am now unable to get to my baby 's doctor appointments or to a new job. I called them twice and said I would pay the past due amount immediately. They told me they would not work with me and that I had to pay the full {$20000.00} plus all the storage and other fees to the company that repossessed the car. I can not pay the full amount of the vehicle but I can bring everything current and pay the full monthly amount going forward.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on two of the three reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I pulled a credit report on XX/XX/XXXX and noticed that Capital One is reporting late payments for XX/XX/XXXX-XX/XX/XXXX despite the fact that I was making my payments as agreed during these months and I was actually a part of a special program they offered at this time to get my account back in good standing. I  made all payments as agreed during this time. In XX/XX/XXXX I received an email thanking me for bringing my account up to date.I disputed these late payments with capital one on XX/XX/XXXX via their secure chat. Today XX/XX/XXXX I received a letter from Capital One stating that the information they are reporting is accurate and therefore they do not have to update anything with the credit bureaus. However, I have proof that I was making payments during this time. Clearly, I am not alledging never in my history making a late payment to capital one because clearly I have, but I do not want things reported incorrectly when I was making an effort to correct my past wrongs.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

A stolen check was drawn on my Chase checking account on XX/XX/XXXX in the amount of {$4000.00}. I believe the check was stolen from my apartment the preceding day in an incident reported promptly to the XXXX but at the time of the initial police report I was unaware that my check book was among the items stolen in this incident. I became aware of the theft on XX/XX/XXXX, when I reviewed my account online and discovered the unauthorized check. The check image clearly shows a signature bearing no resemblance to my own. 

I reported the theft to Chase 's fraud department on XX/XX/XXXX, and froze my account on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Chase 's Customer Claims Department denying my claim, " because you did not take ordinary care to prevent the fraud. '' I spoke to a representative of the Fraud department, " XXXX, '' by phone on XX/XX/XXXX around XXXX XXXX EST. XXXX confirmed that Chase denied my claim, saying that because I had not stored my check book in a " secure location '' Chase could not bear responsibility for cashing the forged check.
Consumer complaint received 2017-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I submitted complaint number XXXX with CFPB against XXXX XXXX XXXX, the bank respond came as a shock to me since its so contradicted. I stated in my complaint that Im a victim of identity theft and that there is an unauthorized charges on my account. XXXX XXXX XXXX respond with a letter ( enclosed ) that,  quote '' Since you received the order and signed for it, the charge was rebilled to your account on XX/XX/XXXX. ", they only provided me with a proof of delivery not a proof of signature! I did contact USPS.COM and requested a proof of signature ( enclosed ) to be emailed to me and here it is!! The signature on the delivery record is NOT my signature!! I do n't know who signature is this. Therefore, Im stating again that I did n't do any online order, and I did n't receive any order or sign any delivery form and I request Capital One to provide a USPS proof of delivery with MY signature on it, ( I can provide my driving license copy which have my signature on it if requested ). Someone can see clearly in the letter sent to me from USPS that there is a contradiction in the statement!! The letter states that, quote from enclosed letter " delivered on XX/XX/XXXX at XXXX XXXX in XXXX, MI XXXX to XXXX XXXX '' when my name is different than the one signed and there is a clear difference, moreover the scanned image of the recipient information shows that the name is " XXXX XXXX '' not even " XXXX '' Therefor, how can Capital One state that I did sign for the package when they ca n't provide a proof of this statement.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

My mother XXXX XXXX in 2015. Prior to her XXXX she added me as a joint signer on her bank account, I was not aware of this. She had a line of credit with First Citizens Bank and when she XXXX  they said because I was added to her acct that I am responsible for the debt.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

On or around  XXXX / XXXX /   17 I was reviewing my credit report and I discovered several HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following companies  1.   XXXX   XXXX   XXXX    XXXX    XXXX   HIPPA Act viola ted please delete.   2. XXXX   XXXX   XXXX   XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please d elete.    4.   XXXX   XXXX   XXXX    XXXX  5. XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.
Consumer complaint received 2017-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (UT)

Issue 1. Ca n't withdraw any of my funds ( approximate value {$120000.00} ). The system has an automated ID verification system that fails every time for me, despite using the exact same ID I originally used when I opened the account. I 've tried all suggestions give by support and from the support pages and forums. Nothing works. I 've contacted support numerous times and they have stopped responding to me. On XX/XX/2017, I attempted to withdraw {$5000.00} from XXXX/Coinbase. It transferred the money from gdax to coinbase but failed to finish the transfer and send it to my bank. No reason given. After contacting support, I finally got the answer that I needed to verify my ID again, which I 've attempted 20+ times this past week. <P/>Issue 2. Missing wire transfer and no response from support on what happened to it. On XX/XX/2017, I transferred {$1.00} from another account to Coinbase in order to verify the new account as suggested. The wire transfer was sent but it has never been credited to my coinbase account. I contacted support, but have received no response addressing this issue. The fed reference number is XXXX
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OH)

On XX/XX/XXXX I faxed a cease and desist letter to ability recovery services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against ability recovery services. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from ability recovery services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-25
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: Experian Information Solutions Inc. (NY)

PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.