BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: HYUNDAI CAPITAL AMERICA
State: DE
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:
XX/XX/2023 Applied for Hyundai Loan. Consented for Credit report must be pulled just on this date ( applicable to just for 10 minutes, due to the situation that we were forced to purchase a vehicle at XXXX XXXX on XXXX ). Hyundai used a CREDIT SCORE ( no model name ) to price against FICO SCORE leading to credit discrimination XXXX XXXX leveraged my personal information collected on XX/XX/2023 and made an unauthorized hard pull without my consent. 
XXXX I applied for a loan for personal emergency, that loan was denied and later approved for exorbitant 20 % APR costing me more than XXXX XXXX at the end of the term. The reason for denial is due to excessive hard pulls in my credit file. Hyundai is directly responsible to cause excessive hard inquires on my file.

Hyundai has been evading all my emails and calls. My requests to Hyundai Senior executives have not been heard. Hyundai has treated me very poorly and made discriminative comments. I opened several cases and all of them were resolve without evidence and proper resolution. 

Hyundai to address following noncompliance items or provide reasonable supporting written document for each stature to support Hyundai is complying.

1. FCRA ( Fair Credit Report Act ) 15 USC 1681b Permissible purpose a. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & b. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 2. REG B ECOA violation Credit Discrimination 3. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation in line with # 3. Deceptive because multiple Hyundai divisions making hard pulls without disclosure. Unfair because XXXX XXXX used on a XXXX risk-based pricing grid thus adding to credit discrimination. 
4. TILA ( Federal Truth in Lending ) - requires that borrowers receive written disclosures about important terms of credit before they are legally bound to pay the loan.

5. Fraud and Identity theft ( Hyundai was authorized to use my personal details just for XXXX not forever/Indefinite. Thus, it is more than just negligence. Hyundai is aware technology can be leveraged ; however, Hyundai did not set controls for the purpose of profits. That is a clear intent to cause damages to consumer

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 2023-01-15
Company: EQUIFAX, INC.
State: NY
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:
Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 10 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, higher car loan rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a XXXX  resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CITY NATIONAL BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern, I called to close my credit card with City National Bank on XX/XX/XXXX. I was told the account was successfully closed on the phone call. The statement closed on XX/XX/XXXX showed the balance to be XXXX. However, City National Bank charged me an annual fee of {$680.00} on XX/XX/XXXX for the following year. 

Because I closed the account, I was not aware of the annual fee until XX/XX/XXXX when my mortgage broker told me that I have a late payment on my credit report. I contacted City National Bank, but only received a letter acknowledging the error from an associate. However, no one else has given me a definite answer with regards to whether the fee will be waived and whether they will correct the late payment notice on the credit report. The balance of late payment and annual fee is still on my credit statement, and all three credit bureaus are still showing a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CBC Companies, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-15
Company: EQUIFAX, 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:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. XXXX XXXXXXXX. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I received a call from a 1-866 number that showed up as Bank of America. They said they were from the fraud department and detected someone accessing my account, needed me to change my USER ID and Password to the ones they provided. ( They never do that ) I hung up called Bank of America. They transferred me to Fraud and they said they did not call. 

But they wanted me to close my account as the person who called seemed to have detailed information about my banking. Since this is a few days before payday we could not. 

So they recommended I open a savings account move my money over. Which I did. 

Then they said log in to your account in the morning, and if all transactions look good transfer your funds over. As long as the funds are in the account by close of bank day there is no Over Draft or return fee 's. 

On the XXXX I had transactions come into my account, I agreed with them all so moved money over to cover them. I did the same on the XXXX. 

But on the XXXX I saw two items returned and NSF Fee 's calling into the bank they agreed that as long as the account is positive by end of bank day they never return items. 

But refused to refund the NSF fee 's saying they are valid. They are not.. 

As you can see when the XXXX XXXX and XXXX card payments went through the account did not go negative as I had transferred funds in the morning. 

Many of these companies have rules 2 returns in a 12 month window can close an account as well as flag you late on your payment. 

I followed explicitly what Bank of America asked me to do. As a consumer, the fact PLAID was compromised and my banking information leaked is not my fault.

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.

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 2021-01-15
Company: TMX Finance LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of last year I took a twelve month title loan with XXXX XXXX of XXXX, VA for {$3300.00}. 

I made a payment per month for each month since totaling {$1800.00}. Over half of the loan amount. 

As of this morning the website says I owe {$3300.00}. Payments of {$1800.00} brought the loan balance down only {$9.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended state school for 6 years part time. I owe about XXXX to Sallie Mae. My mother co-signed with me, and we got approved every semester regardless of the fact well never be able to pay that money back. Sallie Mae harassed us with emails, mail and phone calls to this day about taking out a new loan. I borrowed around XXXX for my first semester in 2014 - thats now up to about XXXX despite my paying interest every month while in school. Sallie Mae is even worse than the XXXX was - at least they were honest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

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 2021-01-15
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX BALANCE {$12000.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint in regards to the inaccurate and unknown things on my credit report as report by 3 Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX disputed AAFCU and asked where information was verified. TransUnion responded and said information was updated but not changes made to information sent. I also asked for an Investigation and no investigation was never made. Sent supporting documents showing that Transunion and XXXX are showing different information on account and Transunion sent back account was updated. Again no changes made to errors seen on credit report. 
XX/XX/XXXX sent follow up information. received an automated response from computer. 

sent final letter on XX/XX/XXXX that i would be reporting TransUnion for not complying with FCRA and reporting inaccurate information. Also for not doing an investigation.

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 2019-04-06
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX {$530.00} There is no valid claim, no contracts exist ... account was settled with original creditor and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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