vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I recently moved from XXXX XXXX XXXX state. The week of XX/XX/XXXX, which was the first week I arrived after the move, and I requested a title transfer from Hyundai Motor Finance through their website that week. I am still waiting for the title to be sent to XXXX for processing, so I can register the title in my new state ( XXXX XXXX The Hyundai Motor Finance website asked me for my DMV information, which it turns out was wrong. XXXX  only uses DMV for driver 's licenses. The XXXX Department of Revenue handles all automobile titles, but instead of informing me of this, Hyundai cancelled my transfer request without notifying me. Meanwhile, I reached out to them for an update, and they " escalated '' my request, again instead of informing me it had been cancelled. Finally, I found a TR-42 form myself from the state of XXXX filled out the title transfer request and several more weeks went by with no updates, only that it was " pending. '' No actions had been taken, and I was told there was no further action from my end ( repeatedly ). They finally told me my request had been cancelled when I spoke to a manager at Hyundai Motor Finance ( titles division ), and we started over again. Then I sent them ( via email ) a copy of the TR-42 form that I found myself on XX/XX/year>. Then almost another month went by ( I called several more times ) before I received the TR-42 form in the mail, notarized by them. I drove it over to the XXXX title agency ( again, not the DMV ), and they signed and faxed the request back to Hyundai. Instead of sending this form to XXXX they requested a release of the title to them. So that's what XXXX did. I'm still waiting for the title. Hyundai tells me they haven't received it, but XXXX  Dept. of revenue sent it to them on XX/XX/XXXX. It's now been 2 months! My XXXX registration is due in XXXX, and I don't live there anymore. The title is now " in limbo '' waiting to be processed by Hyundai Motor Finance, so I can register my car in XXXX  state. This has been a horrible process with little to no action taken from their end.

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 2024-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I have 2 prepaid Vanilla Gift Cards in the amount of {$20.00} each. 
These were originally {$100.00} each. {$80.00} per card was used at XXXXXXXX XXXX XXXX XXXX XXXX 
There is a {$20.00} balance left on each card. 
I checked the balances at vanillagift.com and they both show remaining balances of {$20.00}. 
I have screenshots. See attached. 
I have tried to use these cards online at XXXX XXXX XXXX XXXX  I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Inaccurate late payment are showing up on my credit report. It's effecting my credit score.

I obtained a copy of my consumer report on the date ofXXXX XXXX,2024______ that is reporting numerou
s inaccurate negative accounts. This has not only damaged my right to extend credit but it has made me lose hope and trust within the banking system. I have been denied credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer which is why congress made it very clear that your company A assumed this Vital role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC ( a ) ( 4 ).

Am requesting valid proof and documentation that these negative items were investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy.

I am giving your company the opportunity to make this matter right by way of the following : REMOVE ACCOUNTS REMOVE LATE PAYMENTS REMOVE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX violated my rights.. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX amount XXXX Account number XXXX XXXX name XXXX XXXX XXXX Account number XXXX XXXXAccount name XXXX XXXX XXXX Account number 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 a account without my written permission 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items shall be other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,

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 2024-05-13 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Good Afternoon During the Covid Pandemic in XXXX of 2020 5/3 bank reported a late payment on my credit card. It was a single late payment and the account was then paid in full and closed. 
We live in XXXX XXXX Michigan which was under shelter in place directives. I did not have the means to make the payment on line as my remote access was at my office and we were considered a non-essential business. My wife and daughter both have autoimmune disorders and I was under strick guidelines not to potentially come in contact with persons as I could bring the virus home.

I attempted to log in and make the payment from an alternate mobile device but was unable to authenticate payment as I also couldn't access my personal bank site.

I communicated this to 5/3. They even responded that they could see my navigation on their site but that a payment was not received - ( due to my inability to access my XXXX for my ba

nk ) I wrote and called the bank explaining this but they still have never corrected the score. It has increased my cost of borrowing and has limited my ability to refiance. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
XX/XX/24 Spoke to XXXX representative XXXX for XXXX company and him could he provide proof of this alleged debt. He stated a company by the name of XXXX XXXX bought the debt and request that they collect on the debt. He also stated that his XXXX  company remove this debt from my credit report on XXXX XXXX XXXX  and it will take 45 days to be removed. I explained to him that i do not owe this debt. I don't have a contract with this company. They are not registered to collect in Texas. I also request a copy of the removal via mail stating it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: LA

Complaint narrative:
I just checked and reviewed again my XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-13 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-13 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( private ) and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: A-1 Premium Acceptance, Inc.
State: MS

Complaint narrative:
I spoke with king of Kash about a loan I had with them and they offered me a settlement amount for {$260.00} dollars. I pay an initial {$25.00} dollars over the phone with my debit card-to agree to the settlement amount. Now I owed them {$240.00} but they went into my bank account and drafted {$180.00} dollars 4 times in less than a week. I spoke with them concerning this matter. First they agreed to refund me the difference after the {$240.00} was paid and then they did they wasnt going to refund me anything without any explanation. I spoke with XXXX and also XXXX. This was Friday XXXX XXXX I have not spoken with them since Friday. I was very hurt after they lied to me and it put my bank account in shambles. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
Daughter was transported to a higher acuity hospital from local hospital in XX/XX/year>. given a face sheet from hospital with correct billing information, insurance etc. I was also with patient and gave all requested information for billing. I have not received any communication since and insurance paid 100 % of all hospital visits so assumed ambulance was covered as well. Patient had XXXX insurances and out of pocket max was met. XXXX XXXX  never billed primary insurance, sent all bills and communication to incorrect address and then sold debt to debt collectors. Received info that I am being sued and insurance will not pay due to being XXXX years ago. Bill is for more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
A debt validation letter was sent to Regional Acceptance on XXXX in return i have only received the promise to pay and a copy of the payment history. UCC 9-102a 65 ( 65 ) " Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds.

they have also been harassing me with multiple phone calls. they have also sent over my personal information to a third party for repossession in which is identity theft. they have failed to validate this loan, i would like to remove this illegal debt collector off of my credit.

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 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I am writing to file a complaint against Westlake Financial regarding a discrepancy in the balance related to a repossession and the failure to provide necessary paperwork. I believe that the actions of the financial institution have caused significant inconvenience and financial hardship.

Furthermore, despite multiple attempts to obtain the necessary paperwork and documentation related to the repossession, I have not received any response from Westlake Financial. The lack of documentation hinders my ability to understand and verify the legitimacy of the outstanding balance and request a fair resolution to this matter. 

These discrepancies and the lack of cooperation from Westlake Financial have caused significant distress and financial burden on me. According to UCC 9-616 believe that this goes against the principles of fair and transparent lending practices and constitutes a violation of my consumer rights.

I kindly request your assistance in resolving this matter promptly. I urge the Consumer Financial Protection Bureau to investigate this complaint thoroughly and ensure that Westlake Financial corrects the discrepancy in the balance and provides the necessary documentation without further delay. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. Should you require any additional information or have any further questions, please do not hesitate to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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