BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: HYUNDAI CAPITAL AMERICA
State: TX
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:
All the details. I see duplicated reports from the company side since they made a mistake in my contract ( Hyundai Motor Finance and XXXX XXXX XXXX ). 

I bought ( XX/XX/XXXX ) this car from a local dealer ( XXXX XXXX ), and they credit my check and it was all good. 

After 3 weeks they called because it was " an error '' in my financial contract, from their side, and they asked me to re-sign all that again, and that's fine. 

After 3 days, I had 2 extra new hard inquiries in my credit that I didn't authorize at all, and since I have had the car, approved, for more than 1 month. They never told they would recheck the credit. I never Authorized. 

I opened a dispute with XXXX, 3 times, and the answer was nothing we can do, the entry stays in your credit. 

I called Hyundai Motor Finance and Hyundai Finance America many times, they told its not my problem and, dispute if you needed to. 

I am stuck, with 2 extra entries in my credit that I didn't authorize, and its duplicated. I don't want that there.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I dont reconized these unauthorize, unreconized inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX They have NO PERMISSIBLE PURPOSE!! no consumer Written signed consent. We have no open accounts attached to this fraudulent inquiry and a formal demand that these companies immediately remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : I will advise you anything less than a deletion will result in implicating a federal violation committed by denying a consumer demand civil liability 15usc 1681 ( n ) B for knowing noncompliance. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that they DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: PA
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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-08-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Two fraudaulent transaction were made on my Credit Card with Fith Third Bank, These two transactions were made in a place called XXXX XXXX XXXX, place I dont know, amounts of {$1400.00} and {$2900.00}, I filed a claim with bank on time when I noticed the fraud, In those days I got a letter saying that I had talked to someone in the bank and I gave permission to withdraw that amount as a payment from an account I dont even own, The bank is denying my claim because they say that the card was used in person in that place because the card has a new technology that can be used only with the card and no counterfeit cards, I did not make those transactions, and the card has been always with me on my own possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a keyboard at XXXX XXXX on a 0 % interest credit card through Synchrony Bank with XXXX XXXX. A couple of months into paying this off I realized Synchrony Bank recorded this purchase on a 29.9 % monthly interest payment credit card and that my balance was higher then the original purchase. I called XXXX XXXX and their records showed that the purchase was indeed on a 0 % interest card while Synchrony Bank still showed a 29.9 % interest fee. I spent about 4 hours on the phone with managers at XXXX XXXX and the ultimate response was that Synchrony Bank needs to fix the problem and that they themselves are unable to contact Synchrony Bank. I then over the course of months spent 10-12 hours on the phone with various Synchrony Bank managers and they said the same thing -- that this is XXXX XXXX 's problem and that XXXX XXXX needs to fix the problem. After a total of 15 hours back and forth of conversation no one is helping me resolve this problem and I have a few hundred dollars of interest payments on my account that are not mine to pay. In truth, this SHOULD have be a XXXX minute fix -- i.e. XXXX and Synchrony Bank communicate and Synchrony Banks makes a change in their system so it matches XXXX XXXX. 

I got to the point of having a manager at XXXX XXXX fax over forms to show Synchrony Bank that it was a 0 % interest purchase ( on XX/XX/2018 ) and it's now XX/XX/2018 and Synchrony Bank is saying they never received them, though what do you know -- XXXX XXXX records show they were received. The forms were twice faxed to the correct number with the correct title memo. I have no idea what to do. This debacle has been more difficult then purchasing a house or a car and NO ONE can resolve the situation. More so, no one on either end has interest in helping me. The worst part is that this was THEIR mistake, and they can't own it. Resolving the situation has fallen 100 % on myself. Synchrony Bank and XXXX  should not be allowed to do business together. They should honestly be fined. I was in essence swindled out of money that was and is STILL not a part of my purchase in XXXX XXXX 's system. Why can no one resolve this??? It makes no sense and is horrible business practice. Can no one at either company REALLY speak to each other and amend the situation. Shame on both companies. My only option at this point is to complain here and find a lawyer for this measly {$400.00} interest on my {$760.00} purchase.

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 2023-07-25
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 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 2020-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit bureaus. Also because of incorrect information I have a hard time getting my annual report some times.

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 2023-08-25
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 2023-08-25
Company: Experian Information Solutions Inc.
State: PA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-25
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2021-07-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I will keep this situation as direct as can be ... 

XX/XX/XXXX My XXXX XXXX XXXX was stolen from my apartment complex called XXXX XXXX  XXXX XXXX. And filed a police report with XXXX Sheriffs Office on the same day. My insurance company, XXXX, did not cover the damages due to them dropping me off the insurance plan due to me using my car for XXXX XXXX XXXX ( i.e. XXXX, XXXX  ) XX/XX/XXXX I contacted my Financial company, Santander Consumer USA, to inform them that my car was stolen and they still deem me liable for the payments ( $ XXXX/mth ), claiming that it was in my contract. Yet, they knew the car was stolen and they knew how to track it because they keep a low jack tracker  in the vehicle. 

XX/XX/XXXX The financial company seized my account and implemented a charge off towards my account, despite knowing that the car was stolen, which resulted in me riding in rentals from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I contact Santander Consumer USA to reach settlement and they tried to finesse with paying the full balance of vehicle, yet while KNOWINGLY having the location to the vehicle. 

XX/XX/XXXX I called Santander Consumer USA and gave them my police report, which solidified my case that the financial company knew where the car was located due to them have a low jack tracker  in the vehicle, same device used when a consumer leases a vehicle from a dealership. 

XX/XX/XXXX I received a phone call from the XXXX Sheriffs Office around XXXX about the whereabouts to my XXXX XXXX XXXX. And that resulted in me picking up the vehicle from a subdivision located in XXXX XXXX, FL. 

XX/XX/XXXX, XXXX XXXX, XXXX No communication made between me and Santander Consumer USA about working out a plan to fix this issue of non-payments towards the XXXX XXXX XXXX. 

XX/XX/XXXX I received a phone call from Santander Consumer USA phone client Ms. XXXX ( Emp # XXXX ) about working out a financial settlement to fix this issue, nothing was mentioned of a repossession at all, yet KNOWING about my circumstances-evidences and documented. 

XX/XX/XXXX XXXX XXXX XXXX  was repossessed unbeknownst to me, and I never gave them the address to my new place, which is located in XXXX, FL ( XXXX XXXX ). 

XX/XX/XXXX-XX/XX/2021 Been seeking resolutions and settlements from an incompetent financial service that is Santander Consumer USA, and they claim to only have one settlement which is a payoff. And as a result, the best solution for me is to let them take it to auction and pay the difference, which by that time I can just file a lawsuit and have Santander USA pay the difference for me, since they want to show their incompetence, lack of morale, and XXXX poor customer service, as well as business acumen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Security Credit Services, LLC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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