vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX XX/XX/2023 Hyundai Finance XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX Subject : Dispute of Charge-Off Under 15 U.S.C. 1666a Alleged Illegal Down Payment and Unauthorized Credit Inquiry Dear Hyundai Finance, I am writing to formally dispute the charge-off on my credit report related to my account XXXX. I assert that the charge-off was based on a down payment that I believe was inaccurately deemed illegal, coupled with an unauthorized credit inquiry. I am invoking my rights under the Fair Credit Billing Act, specifically 15 U.S.C. 1666a, to address and rectify these issues. 


Account Number : XXXX Date of Charge-Off : XX/XX/2023 I recently discovered that the down payment made on XX/XX/2023 has been incorrectly categorized as illegal under the Fair Credit Billing Act. I believe this mischaracterization has led to the unwarranted charge-off on my credit report. Attached herewith are documents supporting the legality of the down payment, including receipts and relevant transaction records. 

Additionally, I have reason to believe that an unauthorized credit inquiry was conducted in relation to this account, which may have adversely affected my credit score. I request comprehensive details on the nature and purpose of this inquiry, as well as any documentation proving the authorization obtained for such an action.

In light of the aforementioned discrepancies, I kindly request a thorough investigation into the circumstances surrounding the alleged illegal down payment and unauthorized credit inquiry. I am entitled to fair and accurate reporting of my credit history, and it is crucial that these matters be promptly addressed and rectified.

As a remedy, I am seeking the removal of the charge-off from my credit report. I kindly ask you to correct any inaccuracies and update my credit report accordingly.

Please provide documentation supporting the charge-off, details regarding the down payment 's legality, and information on the unauthorized credit inquiry. Additionally, I request copies of any agreements, statements, or correspondence related to this account.

I am aware of my rights under 15 U.S.C. 1666a and expect your timely response to this dispute. Your cooperation in resolving these issues promptly is appreciated. Add I wish you to cease and desist. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XX/XX/2023

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I requested to opt out of VAU ( Visa Account Updater ) : - Chase / VISA sent my new credit card number to several vendors as 're-ocurring " payments. which they are not! 

- Chase / VISA sent my new credit card number to vendors who I do not longer have an account with ( so i can not go into the vendor and ask to remove ). This is because i sold a business in the last 6 months, and those accounts were transfered to the new owner. 

- I do NOT have re-ocurrning payments set up via a credit card. For any vendor, i go in manually, review a bill, and pay monthly. CHASE/VISA should NOT arbitrarily determine what is a re-ocurrning payment, vs a payment that I authorize monthly. 

- CHASE/VISA should NOT and do NOT have my authorization to update credit card numbers with vendors. 

I called about 7 times, and opting out of VAU does not appear to be an option with CHASE/VISA>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
I am writing to file a formal complaint against EdFinancial, the servicer of my student loans, regarding an issue with the terms of the Student Aid and Fiscal Responsibility Act ( SAVE ) plan, under which my loans are currently enrolled. 

According to the terms of the SAVE plan, enrolled loans are supposed to benefit from a low monthly payment, and importantly, interest does not accrue during the repayment period. However, despite these clear terms, my loan statements from EdFinancial continue to show interest accruing each month. This is in direct violation of the XXXX plan 's stipulations and is impacting my financial situation unfairly. 

I have attempted to resolve this issue directly with EdFinancial but have not received a satisfactory response. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in this matter. I was told on XX/XX/XXXX that interest would be waived 'periodically ' but they could not provide any exact time frame. On XX/XX/XXXX, I was told that interest would be waived when my loans are forgiven in 20-25 years- which is not correct based on the SAVE plan. I have been enrolled in the SAVE plan since before payments and interest resumed. 

Please find attached copies of my loan statements and any relevant correspondence with the loan servicer. I would appreciate your prompt attention to this matter and any assistance you can provide in rectifying this situation. 

The screenshots from my conversation on XX/XX/XXXX are labeled 1:3 1 and 1:3 2 and the conversation on XX/XX/XXXX is labeled 1:8 1, 1:8 2, 1:8 3. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference numberXXXX XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit 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: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
THIS  COMPLAINT  IS  TO  PUT  THE  CFPB  ON  NOTICE  OF  MY  BILLING  ERROR  NOTICE  TO  PENFED  IN  WHICH  THEY  FAILED  TO  RESPOND TO   ACCRODINGLY  AS  STATED  IN  THE  LAW  FOR  RECORD  PURPOSES---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PENFED  YOU  HAVE  BEEN  PUT  ON NNOTICE  UNDER  A  BILLING  ERROR  ON  MY  CREDIT  ACCOUNT  WITH  SPECIFIC  LAWS  THAT  GOVERN  YOUR  OBLIGATION  TO  PERFORM.  YOU  HAVE  RESPONDED  WITH  A  VERY  CONFUSING  AND  ERRONIOUS  LETTER  THAT  I  KNOW  NOT  THE  PURPOSE  FOR.  PLEASE  EXPLAIN  WHAT  THE  LETTER  IS  ABOUT.-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOTICE  YOU  HAVE  RECEIEVED  THE  NOTICE  AND  ARE  FULLY  AWARE  OF  THAT  LAWS  THAT  WERE  STATED  IN  THE  NOTICE. YOU  SHALL  RESPOND  PROPERLY  TO  THE  NOTICE  WITHIN  30  DAYS  OR  RISK  FORFETURE  OF  COLLECTING  ANY  AMOUNT  UNDER 15 USC 1666(e)------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------IF  THE  PERSON  ADDRESSING  THIS  COMPLAINT  HAS  NO  KNOWLEDGE  OF  THE  LAW  PLEASE  FORWARD  THE  COMPLAINT  TO  SOMEONE  WHO  DOES  BECAUSE  IGNORANCE  OF  THE  LAW  IS  NO  EXCUSE  TO  VIOLATE  IT  AND  CAN  RESULT  IN  MATTERS  ESCALTING.--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PLEASE  ADDRESS  THIS  MATTER  PROPERLY  WITH  NO  BOGEZ  LETTERS  NOR  MINIMUL  EFFORT.  THANK  YOU  KINDLY.

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 2024-01-08 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: Self Financial Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against the creditor Lead Bank regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and XXXX Bank, the discrepancies persist. The account details, as reported by XXXX, XXXX, and XXXX, exhibit inconsistencies and incomplete information that remain unresolved. The account in question is outlined below : - XXXX and XXXX report the payment status as paid or pays as agreed, while XXXX claims Paid account/was XXXX  days past due date two or three times. 
- XXXX reports None Reported under worst delinquency, but XXXX and XXXX indicate 30 days past due. 
- Discrepancies exist within the payment history, with multiple months displaying no data. For instance, XXXX reports a XXXX late payment in XX/XX/XXXX and XX/XX/XXXX, which neither XXXX nor XXXX are reporting. 
- XXXX does not provide the date closed for this account. 
- XXXX and XXXX do not provide any data in the terms field. 
- There is no dispute remark, despite this account previously being in dispute. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I pulled my credit report and found numerous credit inquiries that i didnt make. My report has multiple versions of my name and multiple out of state addresses. I have lived in XXXX XXXX, Maryland for 20 years at the same address. I will attach documents

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 non-monetary relief
Consumer complaint received 2024-01-08 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: MD

Complaint narrative:
I pulled my credit report and found numerous credit inquiries that i didnt make. My report has multiple versions of my name and multiple out of state addresses. I have lived in XXXX XXXX, Maryland for 20 years at the same address. I will attach documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Location HYUNDAI MOTOR FINANCE CO XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/2023 This information is incorrect and should not be on my credit report. I am asking for it to be removed immediately, as it is incorrect and a violation of the FCRA fair credit act. I have not done business with this company, nor have I any open or closed accounts with them.

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 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This company is a third party debt buyer that purchased " Uncollectable Debt ''. The originator, SYNCHRONY BANK AMAZON, violated the TCPA and fair debt collection practices, and was sent a demand for validation of debt. The originator, SYNCHRONY BANK AMAZON, failed to validate the debt in a timely manner and pursuant to Federal laws and regulations, the became No Longer allowed to collect, report, or bring litigation as a result of their own failure 's. The third party collector or debt purchaser has obtained " uncollectable debt '' as a result of the originators failures, and does NOT become collectable just because it is is new hands. 

I Demand that any and all derogatory information be removed from my trade lines immediately as the collector has NO legal grounds to report or collect any debt from myself. I intend to bring litigation against both collector and originator if the matter is not resolved in accordance of Federal Laws and regulations regarding a creditors failure to validate a debt.

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 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I contacted Mohela XX/XX/XXXX- waited on hold for over XXXX minutes. Spoke with employee XXXX who reported she was in training. I notified her I was requesting my recent recertification application be cancelled due to reading the information on the DOE website that recertification dates were not due for another year if they fall before XX/XX/XXXX. She " looked into the issue '' and came back to say she is seeing my recertification date is XX/XX/XXXX and " if things change I will receive a correspondence ''. I would like my payments to remain the same before recertifying until I am legally due to recertify ( XX/XX/XXXX ) per the DOE 's website. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Axiom Acquisition Ventures, LLC
State: AL

Complaint narrative:
Company taped incorrect financial information and warrant on a house that I do not live, in a state that I do not live in exposing my personal information to random people. This information was screenshot and sent to someone else, who then sent to me. Was not properly served, did not provide validation of debt, and have never done business with this company. In addition to not properly serve, it is in the incorrect jurisdiction, XXXX  hours away from where I live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
In XX/XX/XXXXXXXX  my signature was forged on a lease agreement. The renter got behind on the rent. In XX/XX/XXXX she basically disappeared from sight, abandoning the apartment and left it in horrible conditions. The apartment complex emailed me repayment plans. I couldnt remember ever meeting the manager or being in the office. I had not even been in the apartment until fall of XXXX, when the kids began requesting groceries. I requested and received a copy of the lease agreement and when I saw it, I saw my signature was forged. I was referred to EERP, a mediation group to help resolve the claim.. I explained the signature was a forgery and they dropped my name. It is not even close to my true signature! I tried explaining the situation to the apartment complex and was pretty much ignored. The account was referred to a collection agency for a balance due of over {$17000.00}, and growing with interest fees. I explained the forgery to the collection agency. The collection agency emailed me a list of paperwork to submit and protocol to follow and filing this complaint is one of the items listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I recently ( XX/XX/XXXX ) went through identity theft where someone stole over {$13000.00} from my bank account. I filed disputes with my bank ( Credit Karma/XXXX XXXX ) and so far most of the {$13000.00} was returned. However, on XXXX both my Spend ( checking ) and Savings account was locked and no explanation was given. I called in to Credit Karma Money support and the agent informed me they were reviewing my account for my security and the matter would be resolved in 7-10 business days. I told the support agent 7-10 business days was an unacceptable amount of time for my account to be frozen as I have bills to pay and I am currently overseas and need to pay to travel home for important meetings. The agent then had to asked I confirm my identity by uploading the front and back of my drivers license along with a selfie photo of me holding my ID under my chin so he could escalate my case. After providing the requested documents the support agent said that he had escalated my case and I could expect resolution in 2-3 business days. I called back in today ( XX/XX/XXXX ) as it has been over 3 business days and the agent now says the case will take 7-10 business days. I asked why as my case was supposed to be escalated and the agent said that I was informed wrong and that it will continue to take 7-10 business days. I asked why my account is frozen and they told me they cant disclose any information to me. I asked to speak to a manager and was told no manager was available to me. I asked to speak to email with someone on the team who is reviewing my account to unlock it and they said that I cant talk or communicate with anyone on the team reviewing my account and again they cant disclose why my account is frozen.

Company response to consumer: Closed with monetary relief