vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
My Kia was stole in XXXX of 2022. XXXX marked it as a total loss, but then found the car 20 days later and cancelled the total loss in XXXX of 2022. 

I've been paying {$370.00} to Kia towards my car every month on time ( about {$3000.00} down from what it was at the time of the total loss ). A few weeks ago, someone from Kia reached out and said my car is still marked as a total loss because XXXX never called them. After I explained the situation, they said they would put a note on my file that it is not a total loss. I then called XXXX and asked that they reach out to Kia Finance to get it sorted. 

This month, I am unable to pay my car payment because my account was closed by Kia for " unpaid debt ''. No one from Kia called to tell me this was happening. I called Kia finance today and no one was willing to help me solve the issue. I was just told they needed someone from XXXX to call, they wouldn't provide me with a supervisor 's number to help me. But meanwhile, my car is now marked as unpaid debt, my credit most likely has taken a hit and I don't know if someone will try to repossess my car. Kia Finance said they sent a note of final notice to an old address, which they knew was the wrong one because I changed it over the phone with them XXXX weeks ago when they initially called me. So when he was telling me they sent me the notice, he read off an address that wasn't the one I just confirmed the call with. No one cared about my situation, and given this is a financial wing of a big institution, it's incredible that no one saw the urgency or issue in what they've done. I don't understand how so many steps seem to have been skipped to my detriment. 

This whole issue was started by Kia making a faulty car that was easy to steal. Now a year later, they somehow decide I'm not making payments when I can prove I've been paying every single month. Now I'm at the mercy of XXXX calling Kia in time before this goes further. I blame Kia Finance for not properly communicating to me or XXXX or checking my payments before closing my account. If XXXX had been the ones communicating with them to begin with, why am I the one being affected? WHERE HAS MY MONEY BEEN GOING THE LAST YEAR???? 

I want to understand how my payments over the last year have still been marked as debt, considering even when my car was considered a total loss, I had to continue making payments until XXXX sent them their payment. So how am I responsible for continuing to pay when it's another company 's responsibility to make a final payment, and when I do just that, my account closes?

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: TX

Complaint narrative:
Please refer all my complaints about Keybank. I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. 

Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX XXXXXXXX that i need to call the bank. 

As I have two bank account with Laurel Road - Keybank. Checking ending in XXXX and saving ending in XXXX As per the statements ( attached ) -they charged me {$20.00} overdraft fees on XXXX XX/XX/2023 for no good reasons. 

I asked them to provide me all the statements as I am not able to access it online. Keybank hasnt provided me the statements till this point of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: MI

Complaint narrative:
Mortgage Lender : LoanCare I have been attempting to pay my XX/XX/2023 mortgage since XX/XX/2023... six freaking days. 

I can not access their website, app, or customer service to make a payment. I absolutely refuse to send this company a physical check. This is not just me... there are many out there experiencing the same problem. 

You simply can not get ahold of anybody at this company. When you call customer service it automatically hangs up on you. There is zero communication indicating if something is wrong... nothing via physical mail or email. Not any kind of automated message when you call other than the sound them hanging up. 

This is outrageous and completely unprofessional! How exactly am I supposed to pay my mortgage? What exactly is going on? Why can we not access anything to make payments or talk to anybody? Its like this company has completely fell off the face of the earth. I will be filing a lawsuit If I end up with late fees and a credit hit because of this XXXX company 's inadequacies. We should have the option, with out having to refinance, to leave this XXXX company and go to another lender that is at least competent at running their business. Nobody has ever asked for LoanCare to service our mortgages... trust me! 

THIS IS NOT OK

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I would like these inquiries removed fromm my credit report. I have no knowledge of them and I know I did not approve or request. I don't recognize them at all, can you please remove from my credit 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 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX XXXX Closed Account : XXXX XXXX XXXXXXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 of 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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian, XXXX and XXXX are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian, XXXX, XXXX are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.

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 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
A cease and desist was sent to this company. The company has failed to abide by federal law. They are still reporting information on my consumer report after a cease and desist has been sent. I am sending the cease and desist to the company again. Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NY

Complaint narrative:
I am reaching out and filing this complaint to EXPERIAN to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 

Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. 

As a consumer, I place a high level of trust in EXPERIAN to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. 

To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.

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 2023-11-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 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  15 U.S.C , 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 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  15 U.S.C , 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes 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 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 explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, Transunion and XXXX are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, Transunion are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXXXXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX and Equifax are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, XXXX are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: FL

Complaint narrative:
Hey I am writing to dispute the following in accurate information on my report. 
This item 1. Account XXXX XXXX XXXX  Account number : XXXX And XXXX. Acount XXXX XXXX XXXX Account XXXX : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Experian I also asked Experian for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Experian nor the original creditors were able to do so the last several months Experian Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the XXXX method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX I am Damaged Mentally and physically do the inaccurate information being reported!

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 2023-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit Acceptance Corp has been filing false information to all three credit bureaus in regards to the repossesion and last reported payment to extend credit reporting I have never made any payments in the year of XXXX  in fact my last reporting of a payment received was almost nine years ago or more they are refusing to remove this from my credit report when filing disputes

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 monetary relief
Consumer complaint received 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The following unauthorized inquiries on the Transunion account File Number XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual This consumer reporting agency also failed to delete various different names on my consumer report and they shall only have XXXX XXXX listed.

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