vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
IMPORTANT NOTE : I have durable power of attorney for both parents and have provided proof of this to Hyundai Motor Finance. I have been dealing with HMF directly and they know that I am authorized to handle this matter. 

My parents are elderly, both XXXX. My father is XXXX-XXXX  and suffering from reduced XXXX  XXXX  after multiple XXXX. My mother has had multiple XXXX  accidents and has been victim of a crypto scam. 

When they went to return their vehicle at the end of its lease, the XXXX dealer talked them into a new three-year lease on a very expensive vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX payment ). When I found out, I contacted the dealer and tried to have the deal reversed, of course to no avail. I even offered to try to refinance at a lower price offering my XXXX XXXX in trade. I spoke with the dealer twice. Both times he promised to return my calls with an offer and did not. 

I then got in touch with Hyundai Motor Finance to see if I could add my name to the title as registered owner. That would allow me to insure it and drive it and take over the payments from my parents. Hyundai Motor Finance has refused. I have been able to escalate XXXX level, but keep getting refused. 

I am trying to get XXXX their money on a predatory lease which my parents can not afford. But I can not make payments on it if I am unable to insure it and drive it. My insurance company will not honor claims unless my name is on the title. 

At this point I am stuck making very expensive payments on a vehicle that is going to sit parked for the entire lease term. I have contacted the XXXX and they say it is very easy and common to add another name to the title, if the leasing company agrees. I have power of attorney for both parents and have forwarded that paperwork to Hyundai Motor Finance. 

At this point I am stuck trying to protect my parents from this predatory lease and neither the Hyundai dealer nor Hyundai Motor Finance will do anything to assist. They have all the power here because they took advantage of XXXX elderly people who cant and should not drive and have their signatures on the lease agreement. 

I have repeatedly asked Hyundai Motor Finance to escalate but they remain silent, by email and phone. Is there anything you can do to help here? 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
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.
State: SC

Complaint narrative:
To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : XXXX. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions. XXXX. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties. XXXX. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure. XXXX. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies. XXXX. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes. XXXX. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report. Thank you for your attention and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account NXXXX & Account Number : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear XXXX, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from XXXXIt 's a violation because all three are not consistent -The number of months is different from Equifax- It's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX and Equifax- It's a violation because all three are not consistent XXXXThe comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXXIt 's a violation because all three are not consistent The 'date of last XXXX payment is different from XXXX-It 's a violation because all three are not consistent -As far as the payment history is concerned, is in violation based on XX/XX/year>, XX/XX/year>, XXXX XXXX This account was charged off on the XX/XX/year>. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Given that the payment history information originates from your reporting, it is my understanding that this information should be consistent across all three credit bureaus. 
Please see attachment for proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I refinanced my home loan on XX/XX/XXXX. Newrez, LLC, dba Shellpoint received a wire from the title company in the amount of {$680000.00}. We have proof the wire was received by them. They can not " find '' where they applied the wired money. The money was wired precisely as was instructed by the payoff letter that was generated and it was wired by the title company with proof of the wire being sent and received by Shellpoint. I became aware of this when they called me telling me I was " late '' on my mortgage payment, which had been paid off in full on XX/XX/XXXX. This has led to numerous calls between me and Shellpoint, my mortgage company and Shellpoint and the title company and Shellpoint and Shellpoint has no explanation and their only action has been putting " notes '' in their system about the problem. This is a nightmare. If this is not cleared up by the XXXX I will have it reported on my credit report that I am a late payer. They say when this is fixed they will " back date '' it to the XXXX but at this point I have XXXX confidence in this company. In addition they need to release {$6900.00} to me in escrow funds that should have been released when the mortgage was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Applied for a cell phone service but my credit got me denied but the representative issued me a device for internet but I pacifically made it clear that I already had internet service through another company but he proceeded to continue saying to try it out and that it will not go on my credit. I never used the services with them ( XXXXXXXX ). So Im not understanding why I owe them any money for something I didnt agree to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
My account was terminated for no reason. I asked for a refund and to have the account closed. They buried me under a mountain of identity requests that I found excessive. Dated XX/XX/XXXX XXXXAmountXXXX dollars. I talked with their customer service rep and told they could do nothing. 
The company name is Netspend

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, You have willfully and negligently failed to comply with the FCRA requirements. Please see the attached dispute notice, along with a copy of my recent consumer report. The report includes the disputed inquiries and the inaccurate, incomplete, or unverifiable information that appears on my Equifax report, which I have highlighted/circled for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
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: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My XXXX was stolen on XX/XX/year> at a bar in XXXX XXXX in the early hours of the morning. The thief made several transactions off my device via XXXX, XXXX and Chase- including a XXXX transfer via Chase for {$950.00}. I filed a police report later that day and purchased a new phone. I submitted the dispute claim to Chase that day - however the initial agent added an array of transactions that I did not cite as unauthorized. Eventually my claim was denied. I sent the police report to Chase and my claim was denied again. The reasons for the denial have ranged from we dont refund XXXX to the device is still linked to your account ( it is not- I have checked this multiple times with Chases own security team and did so in their XXXX XXXX XXXX on XX/XX/year> ) to because Face ID was used to unlock the device, we can not recover your funds. I would like my funds returned to me as I was the victim of a crime. The XXXX transaction is {$950.00} and I had XXXX and XXXX return stolen funds ( {$1000.00} and {$300.00} respectively ). I do not understand why Chase is unable to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-29 00:00:00
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.
State: PA

Complaint narrative:
I found an inaccurate account on my credit report tonight, and I don't know the reason behind it. Upon my regular credit report check, I discovered discrepancies that were never there before. I refreshed my browser, hoping it was a technical issue, but the errors persisted. Therefore, I request a detailed review of the documents I've provided to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from XXXX XXXX a violation because all XXXX  are not consistent -The number of months is different from XXXX- It's a violation because all XXXX  are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX and XXXX- It's a violation because all XXXX  are not consistent -The comments sections are commenting different comments, and they are not in consistent- It's a violation because all XXXX  are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all XXXX  are not consistent The 'date of last XXXX payment is different from XXXX and XXXX 's a violation because all XXXX  are not consistent -As far as the payment history is concerned, it is a violation because XXXX is not reporting any payment history and XXXX is reporting different payment history from XX/XX/XXXX to XX/XX/XXXX, and your company is reporting ok for XXXX XXXX XXXX a violation because they are not in consistence. 

Please see attachment for proof of inconsistencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with non-monetary relief