BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting act 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 a account without my written instructions In accordance with the Fair Reporting act 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 a account without my written instructions In accordance with the Fair Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Reporting act XXXXXXXX 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 a account without my written instructions In accordance with the Fair Reporting act XXXXXXXX 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 a account without my written instructions In accordance with the Fair Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Reported XXXX  fraud transactions which was denied i have a police report and legal evidence against the scammer and still got denied. tried escalate the dispute but got no response. 
XXXX Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They are incorrectly reporting a late payment : Account history Payment history guide 30 days past due as of XX/XX/2022 XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/2022 XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX No phone number available Address identification number Not available Type Charge Card Terms NA Credit limit or original amount {$200.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual *This was paid in FULL in XX/XX/2022 for {$92.00} and payment was never late

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 2022-03-31
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent debt validation letters to obtain the correct information, never recieved a response contacted the original debt collector and was told debt was never sent to collections. So who are these people saying I owe them XXXX when I never went to the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them a last letter, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF FLORIDA HOMETOWN HEROS PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL THREE CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. XXXX XXXX  IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF FLORIDA OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT XXXX XXXX  IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED XXXX XXXX  TO THE MN AND FL ATTORNEY GENERALS, AS WELL AS THE FICO CORPORATION AND THE CFPB AND THE 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 explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-10-13
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know the date of original charges. They have never sent me any verification. I have disputed these numerous times to no avail. I have never had a XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 I want incorrect information to be deleted that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX Each of the above has violated my rights in violation of the Fair Credit Reporting Act. 

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 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 XXXX 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 2022-12-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to correct these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had a credit relationship with Citi Bank for over two decades. I have tried to reach out to Citi multiple times to file a complaint without any response via their chat or phone line and there is no method to file a formal complaint with them online. 

I recently went through a divorce, in XX/XX/2022 a payment was accidentally scheduled out of an account that was closed as part of my divorce settlement therefore it was returned to Citi. I immediately remedied the situation by re-submitting the payment with the correct account information and I paid the returned payment fee as expected, despite this was an honest mistake. 

What I recently discovered is that after having a credit card relationship with them for over two decades with good payment history, not only did they charge me the returned check fee, they more then doubled my interest rate. This seems to me to be a very abusive practice, not only did they charge me a fee for the returned check which was reasonable but to double my interest rate, when I immediately remedied the situation is very concerning to me, not only is Citi causing significant financial harm, the notification for the increase in interest rate was hidden amongst my statement disclosures. This is deceptive, my statement contains standard information that I reference when necessary, however everything is done online. There was no separate notification, there was no clear communication, it was just tucked away where I didn't see the change for nearly 7 months. So not only is Citi abusing their power by penalizing customers in multiple formats for the same issue causing significant financial harm, they are deceiving customers by only providing a formal notification hidden in an online statement. 

If I would have been properly notified on the increase in rate I would have never used that card for the purchases made between XXXX and present, as I have other options available. 

I believe Citi Bank is becoming unjustly enriched by penalizing customer not only utilizing a fee, but by more then doubling customers interest rates as the result of a single returned payment in which customers are already penalized for via a fee. 

This practice appears to be a violation of UDAAP, particularly when you take in the similarities to the highly scrutinized overdraft practices on deposit accounts.

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 2022-12-21
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I contacted Hyundai in regards to my contract with them and see that they have been Unfair, Deceptive to me in several ways and also have abusive practices. Hyundai never explained to me that the finance charge does not include charges of a type payable in a comparable cash transaction. According to 15 USC 1605 ( a ) The finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the creditor as an incident to the extension of credit and doesn't include cash. That's a violation/step to getting my down payment back. Hyundai never explained to me my right to cancel. According to TILA, I have/had the right to cancel. I was never given papers stating the " RIGHT OF RECESSION ''. I was required to put a down payment down or trade in. Hyundai did not give adequate notice. And according to the term " adequate notice ' as used in XXXX of this title means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning.Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 15 USC 1615 ( a ) ( 1 ) If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. According to 15 USC 1611 ( 1 ) anyone who willfully and knowingly gives false or inaccurate information or fails to provide information which he/she is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined not more than {$5000.00} or imprisoned not more than one year or both. Also, according to 15 USC 1662 ( 2 ) No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpaymentis required in connection with any extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount.

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 2023-11-06
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2022 I was doing a monthly balancing of my checking accounts when I noticed a strange withdrawal from XXXX of the accounts. The amount was for a little over {$300.00} and when I looked at the available information on the bank 's website, I knew immediately that this was not a withdrawal I had authorized. So, I quickly called the bank to let them know that I had been a victim of fraud. Over the course of the phone call with the fraud department I learned that because of this withdrawal the bank would be freezing my account and I would have no access to any of the funds in the account ( over $ XXXX at the time ) unless I visited a branch. I panicked because all the funds in that account were there to pay for my family 's bills including my mortgage and not having access to the funds would me we wouldn't be able to pay for anything. I explained to the kind representative that I live in XXXX  and that the bank 's closest branch was a XXXX XXXX XXXX from my home. At XXXX XXXX of this phone call, I had been living in Georgia for almost 9 years and had the bank account over 15 years. I'm not sure what the representative was able to do, but they gave me a XXXX second window to quickly transfer funds from the account to my savings account. Unfortunately, I had funds that were in the process of being withdrawn and deposited that were returned or deposited into the frozen account after I ended the call with the representative. Over the course of the last 15 months, I have spoken with the bank multiple times asking if there was anything I could do to gain access to the money that is now stuck in there ( over $ XXXX ) short of having to take time off work and pay to travel to a branch. I offered to send them notarized proof of my identity. Each time I was told nothing else was possible. Then, about XXXX months after the incident, a representative told me that after 1 year had passed, the account funds in the account would be sent to the state ( XXXX  ) as unclaimed funds and I could use the state 's retrieval process for unclaimed funds to request my money. I waited and once the 1 year mark had passed and the account remained open I called again. This time, I was told that the information I had been given was incorrect and the account would remain open until I visited a branch to close it. Again, I told them I do not live close to a branch and that I haven't for years. Finally, after speaking to multiple people, I was told that I could, in fact, send in a notarized letter requesting my account be closed. I have done this. It has been months and the account remains open and no one can give me information on whether the notarized letter has been received or if they will honor my request. This entire incident makes me wish I had never made that call about the {$300.00} fradulent charge and had just taken the loss. It has been a horrific customer experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting incorrect payment history information, Experian is reporting XXXX late payments for this account : Account name : XXXX XXXX XXXX XXXX I did contacted XXXX by phone and by mail and they stated that this account was paid in full and never late.

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 2023-07-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief