vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
KIA XXXX ACCT # XXXX I am writing to complain about fraudulent lease-related practices at the XXXX KIA dealership XXXX at XXXX Rt. XXXX XXXX in XXXX, New Jersey. 

The dispute in question is embedded into this communication as an appendix. 
On XX/XX/XXXX, I completed the terms of my XXXX lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original lease was initiated on XX/XX/XXXX. I then entered into a new lease on the same day for a XXXX XXXX XXXX. While learning what my options would be in terms of moving into a new lease. I asked the Sales Associate, XXXX XXXX, directly about how to deal with minor damage on the car I had leased. He basically dismissed the question and did not address it further. 

Subsequent to this, I received a communication from XXXX saying that I owed more than {$2400.00} in damages, despite the fact that I had purchased the Excess Wear and Use insurance, which was strongly recommended by the sales team. This insurance cost me roughly an addition {$40.00} per month. I made numerous efforts to reach out to XXXX XXXX without any response or guidance. Note that XXXX XXXX is no longer with the company. 

This lack of transparency and intentional obfuscation was the basis of what has become an unethical debt collection situation. A charge-off was posted to my credit report in XX/XX/XXXX. When I attempted to contact the corporate office, once again I was not given the information needed to further investigate the Excess Wear and Use Insurance or to use something that was rightfully mine and that I paid in excess of {$1500.00} for. 

This business has a grade of F from the XXXX XXXX XXXX XXXX https : XXXX ), with numerous complaints filed for this type of bait and switch activity. I have tried to rectify this situation for more than 3 years and have intentionally been ignored or misled. Somehow they say that they have no information about the Excess Wear and Use Insurance in terms of how I might access it, although they sold it to me. 

I request that this be removed from my credit report immediately and that your agency provide additional information about how to move forward with this situation. Also, is it possible to sue in order to compensate for the impact of a charge-off on what would otherwise be a near-perfect credit report? 

Please advise and 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 2022-06-27 00:00:00
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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have several inquiries on my Experian credit report that i do not recognize. I have contacted Experian and the companies that have reported this information and i have gotten nowhere with either of them. The inquiries on my report are XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 2021

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 2022-06-27 00:00:00
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.
State: FL

Complaint narrative:
I'm trying to get this fraudulent accounts from my credit report they are not mines. The bureraus is reporting inaccurately. they are not mine

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 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My prior insurance agent failed to renew my content insurance policy in XX/XX/XXXX. We were notified in XXXX of this problem. We immediately fired our agent and got a new one. The following day we were insured and had alerted Wells Fargo of the new policy we had acquired. They assured us that we solved the underlying issue and I thought all was resolved. 
Then a couple days later we began receiving calls and letters every week claiming that we do not have said insurance. Between XX/XX/XXXX and XXXX of this year in XXXX my insurance agent and myself sent the proper papers alerting Wells Fargo that our insurance has been valid since XX/XX/XXXX. We offered to pay any debt we had incurred between XXXX and XXXX of that year. 
Wells Fargo has now advised us that they are going to open a case to resolve this issue but still have not opened any case. While this has happened they have doubled my mortgage payment. This is all for a XXXX dollar content insurance policy. On top of that Wells Fargo has still not said why and I still receive calls and letters.

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 2022-06-27 00:00:00
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.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # {$14000.00} has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-27 00:00:00
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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
National Credit Adjusters , LLC are attempting to collect a debt on behalf of XXXX XXXX. National Credit Adjusters , LLC and XXXX XXXX is reporting incorrect information to XXXX. On my report National Credit Adjuster is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from XXXX XXXX with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CORELOGIC INC
State: RI

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 It also a consumer reporting urgency can not furnish a account without my written instructions 15U.S.C 1692C

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I sent an FTC report and Police report and its been over 4 business days and they are still reporting fraudulent accounts on my report

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: American First Finance, Inc.
State: PA

Complaint narrative:
Attached are images of consumer reviews that relate to this complaint. I've also attached what was handed to me after my transaction with XXXX XXXX, which an envelope and two pages stapled together. I've included my contract, which was emailed to me today from American First. 

On XX/XX/XXXX I called XXXX XXXX XXXX, PA about furniture and financing. They made it very easy, sent me a link to apply for financing. I filled out the app, which only took a few minutes. XXXX XXXX called me advising I was approved. 

Long story short, I got my furniture. I was set up on bi-weekly payments of around {$220.00} ( I can screen shot the payments and send, if needed ). Today, I contacted American Finance to inquire what the deferred interest rate would be, as well as the charge - I talked to a person via chat. They emailed me the contract, which stated interest rate of 169.53 %. I asked the rep more directly what the actual finance charge would be if I don't pay off the balance by XX/XX/XXXX, which is the early pay off period end date. The actual charge is not specially called out, or at least clear, in the contract. The rep told me the accrued charges after XX/XX/XXXX would be {$3000.00}. I used {$3200.00} for financing. Obviously, in shock, I shared my experience on XXXX XXXX XXXX and American First Finance 's sites on XXXX. XXXX XXXX denied wrong doing, attached is also their response.

American First replied to my review- they replied telling me to call and ask for a supervisor. I called and had to leave a voice message, no one has called me back - that was about five hours ago. 

I started to read the reviews on American First. Shockingly, there were other reviews and experiences similar to mine.

So tell me this, how does a company ( ies ) clearly provide its terms, fees, and interest rates in a way that would cause this much harm and confusion?? The information is hidden. 

XXXX XXXX is also responsible. The envelope and the double-stapled pages inside show none of the terms. I was also advised after the transaction that I had 90 days to pay it off. No where was this clear in the application process. 

I don't even know what all to do to help protect other people from these two companies ' practices. I do hope that my reviews and filing this complaint will help these practices to stop and for those harmed to receive some form of compensation. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
My Bj 's Perks Master Card / Comenity Bank website went down for service, no payments can be made ( payment due today XX/XX/27 ). We have even called the customer service line and as of today, the customer service has been closed due to " unforeseen reason ''. I have tried every possible way to contact them but there is now way. I have gone on to XXXX and see that they are " down due to unforeseen reason ''. And, now my card and my husbands card has been shut down ( being declined ). We can only think there has been a security breach so we have been forced to purchase a credit lock company to protect our credit! I feel they should have to communicate with us, not just shut everything down so we can't communicate with them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, Monday, 2022. I got a notification from my experian app that a new account has been added to my credit file and I had not been the one to open that account. 

It was with Milestone for {$500.00}. I called them and they are aware that the account is fraudulent. It looks like they already paid 1 month off. This is the XXXX account to be opened in my name, using my social. The previous account is with XXXX XXXX Bank, for {$1000.00}. Which the company did NOT remove, for reasons I do not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Herrassing phone calls to me, my ailing mother, as well as damage to my credit with refusal to remove. When attempted contacts to get help or assistance, extra fees were added. They made it impossible to pay off, and my credit is permanently damaged. The stress is overwhelming!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XX/XX/2022, XXXX I submitted a dispute with Experian regarding XXXX XXXX XXXX breaking the Gramm Leach Bliley act 15 USC 6802. The reporting of these account ( s ) is/are violation of SC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Experian refused to remove the creditor from my report.

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 2022-06-27 00:00:00
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 DP OF EDUC, # XXXX XXXX  XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-27 00:00:00
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.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 DP OF EDUC, # XXXX XXXX  XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm filing a complaint to let Experian know that LITIGATION IS PENDING if these items are not immediately removed. My attorney advised me that we can seek damages of {$1000.00} per violation, according to the FCRA. On XX/XX/XXXX Experian received a letter I sent regarding inaccurate and unknown items on my credit report. Over 30 days went by and I never received a response! I feel like I have been taken advantage of, and my disputes are being deliberately ignored. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives reason to immediately delete these items from my credit report! Clearly they violated my rights because 30 days went by with no response. These items need removed immediately or we will pursue litigation due to the immense stress Experian has caused me, and their continual violation of my rights! Experian also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) - The credit bureaus are supposed to complete the investigation before the expiration of the period under Section 611 ( a ) ( 1 ). ACCOUNTS : XXXX XXXX XXXX # XXXX, has violated my rights. XXXX XXXX # XXXX, has violated my rights. XXXX XXXX XXXX # XXXX, has violated my rights. I will attach the tracking number below, along with my dispute letters I've sent to Experian to try and rectify the situation, you can clearly see they have been violating my rights for months, and that stops now. These accounts need deleted immediately. They didn't complete their investigation, or respond, within the 30 day period AS REQUIRED BY LAW! 

Also filing complaints with Attorney Generals Office, & XXXX. 

We also have the name of the person who signed for it on the day it was delivered. So you can guys will be held liable. 

Tracking # : XXXX XXXX XXXX XXXX XXXX

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 2022-06-27 00:00:00
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: CURO Intermediate Holdings
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt on behalf of Speedy Cash. XXXX XXXX XXXX XXXX XXXX and Speedy Cash is reporting incorrect information to XXXX. On my report XXXX XXXX XXXX is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from Speedy Cash with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
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.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt on behalf of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is reporting incorrect information to Experian. On my report XXXX XXXX XXXX is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from XXXX XXXX with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.

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 2022-06-27 00:00:00
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.
State: TX

Complaint narrative:
I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
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.
State: CA

Complaint narrative:
On XXXX XXXX I received a hard inquiry on my Equifax report from Equifax XXXX. I do not live in XXXX and did not apply for credit. I called Equifax XXXX and was informed that XXXX Tracing ( XXXX ) was the originator of the hard inquiry. There is no address or phone number for XXXX Tracing. Equifax directed me here to fill out a report then mail to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Someone open XXXXXXXX XXXX XXXX  cards in my name in XX/XX/13 & XX/XX/13

Company response to consumer: Closed with explanation