BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: HYUNDAI CAPITAL AMERICA
State: MI
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:
I took out a loan with Hyundai Motor Finance in XXXX for a vehicle. I turned in the vehicle in XXXX and was unable to pay the balance due on the loan. In the fall of XXXX, I hired a credit services company to negotiate and most of my existing debts. They connected with Hyundai Motor Finance in XXXX XXXX and negotiated a settlement payoff of {$1800.00}. Hyundai was then given the routing/account number of my bank account to submit an ACH withdrawal with the agreement that the account would be paid in full. 
In XXXX, XXXX I noticed on two credit reporting bureaus XXXX and XXXX, that Hyundai was still reporting a balance due of {$2500.00}. I contacted XXXX and XXXX and submitted disputes to them. I also contacted Hyundai Motor Finance and informed them to remove the account or note the loan paid in full. 
I received results from XXXX on XXXX. XXXX, XXXX on the dispute where Hyundai Motor Finance reported that the {$1800.00} was paid and there is still a balance due of {$620.00}. 

This is false. They agreed to a settlement. I would not have provided my ACH details otherwise.

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 2023-03-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX  with XXXX XXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I called into XXXXXXXX XXXX seeking some kind of cure to this fraudulent account. My identity was stolen in XXXX and the card was opened in XXXX. The phone numbers dont match with my phone number that I use. They cant prove it me at all I already sent them a ftc report back in XX/XX/XXXX or XX/XX/XXXX they removed it then placed it back on my reports. This account was not opened by me at all and its been damaging my credit for years. They have caused substantial damage to my credit report resulting in me getting denied for cars and credit cards or I could get a car and it would be at a high rate or the credit cards all would have high rates 21 percent all because of this account be placed on my account. They told me they was taking it off in XX/XX/XXXX and still a month later they did not. I just called them today and was given the run around from the Fraud department of XXXX XXXX to there debt collector thats not with XXXX XXXX  back to the collection agency with XXXX XXXX then they told me to wait to talk with the security team and said it was going to be a 30 min wait and it turned out to be a 2 hr wait two days in a row they did this to me. I have inserted the call from XXXXXXXX XXXX that states they had me on hold and didnt let me talk to anybody from the security team. I also inserted the credit profiles they are on XXXX and TransUnion

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 2023-03-18
Company: MoneyLion Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have tried to pay off the loan multiple times but the Advocacy Team Has not been responding to any emails or phone calls. The representatives have tried to get through with Moneylion advocacy team but they are not responding. I have taken ownership of the account and willing to pay the balance off. I have also been locked out the account and it has been suspended so I am unable to make any payments. XXXX XXXX XXXX of the advocacy team members has stopped responding to emails.

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 2023-03-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX  with XXXX XXXXXXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXXXXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Paypal Holdings, Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Venmo suspended and froze my account stating that I'm involved in activities that goes against their user policy.. basically I had a few disputes for doordash delivery service... Because my order was cancelled and never refunded and for every dispute that I reached out to venmo to file I had proof for I sent them verifying documents and support of my dispute for every single dispute and this one agent right before this happened seem suspicious of me as if I was lying I guess even though I sent over verifying proof and support of my dispute that I was claiming with him or filing with him and then the next day venmo had suspended my account and Frozen my money of {$23.00} and I have tried to reach out to them to unsuspend my account so I can have access to my funds and each time I get the runaround and then or told I need to do this or do that change my password wait for an agent to contact me I've I've done it all and I've waited for almost two weeks and still they still have my account suspended and Frozen and at the time 2 weeks ago that really hindered me because it was the only bit of money I had left to my name which I stress to them because that was my gas money to get to work and I don't have friends and family that I can just call upon to borrow money so not only did this hinder me in general but not having access to the money but I also was not able to get to work for a week till I got my next paycheck I have tried and tried to speak with venmo and nothing ever comes to a solution nor do I get any help I just get passed around from agent to agent and then finally get told just to wait around for an email well this is not right this is beyond wrong especially at the fact that they're suspending my account based off of suspicion that they have no proof of but yet I have every bit of proof of verifying documents sent in support of my statement for every dispute I want my account unfrozen unsuspended and I want access to my funds it may be only {$23.00} and that might not be nothing to somebody but to somebody like me who lives paycheck to paycheck that means a lot they are in the wrong and are withholding my money for absolutely no good reason with no proof nor will they even actually say what activities I've been involved in that goes against their policy that's just all that they would tell me they would not further explain which I think is XXXX  please help me get my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax have not provided any evidence showing that you have conducted a full independent investigation on the fraudulent charges as required by the Fairs Credit Act when official police report ( s ) by law enforcement has been provided to you. 

According to the 1997 case of Cushman vs Transunion, the court has ruled that a full independent investigation needs to be done and provided to the consumer if the consumer disputes the accuracy of their credit report. 

Equifax CAN NOT SIMPLY say " EXUIFAX VERIFIED THAT THIS ITEM BELOGS TO YOU '' without conducting their own INDEPENDENT INVESTIGATION as stated in the Fairs Credit act and proved by court in the 1997 case of Cushman vs Transunion. EQUIFAX HAVE NOT PROVIDED ANY EVIDENCE NOR DOCUMENTS THAT SHOWS HOW THEY CLAIM TO HAVE VERIFIED THESE ACCOUNTS. 

These credit bureaus are lying and violating these rights under The Fairs Credit Act. They are NOT conducting a full INDEPENDENT INVESTIGATION and has not provided not one single evidence or proof about how they " VERIFIED '' these accounts. Without evidence or proof, these accounts are considered " UNVERIFIABLE '' and according to the Fairs Credit Act they must removed them IMMEDIETALY from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-03-18
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
Approximately the XXXX or XXXX week of XXXX I discovered via XXXX XXXX a new credit card from XXXX XXXX had been placed on my credit report. I immediately contacted XXXXXXXX XXXX  and was informed they did not have any accounts with me. I then filed a dispute with XXXX and Equifax. XXXX apparently has removed permanently the XXXX XXXX account from my credit report. However according to XXXX XXXX, Equifax removed the XXXX account on XXXX, and placed it back on my credit report XXXX, I them a requested a copy of my credit report from all three bureaus. Approximately XXXX I received my Equifax credit report, and the XXXX account was still on the report. I immediately filed a written dispute with Equifax. Toward the end of XXXX I contacted Equifax to inquire into the status of my XXXX written complaint. I was informed they did not have it. I them submitted a XXXX dispute via phone. On XXXX Equifax mailed a letter stating they wound not be investigating the dispute submitted in the end of XXXX. Stating theyre currently processing the dispute submitted the first of XXXX. And that I would have the results of the XXXX dispute within 30 days of the date the dispute was received by Equifax. Its XXXX, and I havent received the results of the early XXXX dispute. Im getting the runaround!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion continue to report incorrect information to my credit file. 
1. They have allowed two ( 2 ) collection accounts to be posted with no account name, original creditor and status. If the collection that show a balance of {$1100.00} is a collection, then they have allowed the data furnisher to violate my consumer rights under the FDCPA Regulation F. I do not know who this is and what this is about. 

2. The second account has no information such as account name, original creditor, dollar amount. It clearly show that I have disputed this but it has not been resolved.

3. They have also allowed a student loan with a payment history reporting that is incorrect. I've disputed this account before with no response. I have paid this account off, it was not transferred as indicated under the " comments '' section. 

4. They are allowing to be reported a Dept of Ed account showing as a " Collection '' I do not have any outstanding collection accounts with the Dept of Ed. Please investigate 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 2023-03-18
Company: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My husband and I financed a car with Credit Acceptance Corp and we believe that we were lead into a misleading loan. We are paying 22.99 % percent, {$390.00} a month for a used XXXX XXXX XXXX that at the time had XXXX miles. When we brought it at the dealership we remember it saying {$9900.00}. We put down {$1000.00} and we still have to pay {$390.00} for 51 payments. After reading complaint after complaint regarding Credit Acceptance from its consumers as well as seeing that they have been sued by Mississippi and had to pay for their deceptive practices and also with New York Attorney General and CFPB for misleading consumers into loans they could not afford by practicing churning and deceptive loans. We also believe that we were wronged. Our loan is 51 months, and the interest has made the car over {$4600.00} dollars more than the value of the car {$4400.00}. We have already paid {$11000.00} which is more than the cost of the price on the car {$9900.00}. We feel misled putting down {$1000.00} still having to pay {$20000.00} for 51 payments. And how a car that is {$4400.00} blue book value ended up being financed with a total cost {$21000.00} and We are stuck with this loan for a long time. I always thought this loan was confusing and complex with contracts hidden inside of the contract with a financed charge for each contract XXXX XXXX which is a warranty contract for {$1600.00} with a term of 24 months and XXXX XXXX {$1100.00} for 51 months are two contracts hidden within a contract which makes this a complex contract that can not be understood by the common consumer. It took us years to understand our contract along and we still dont fully understand it but we know we have been misled. But it seems like my Loan has barely gone down even we have paid {$11000.00} almost 3 times the actual value of the car. I reached out to the New York Attorneys office who is currently suing Credit Acceptance Corporation along with the Consumer Financial Protection Bureau. I have complained several times without a real resolution and fear that Credit Acceptance Corporation will not really investigate our case but just throw out what we are saying just like they have dismissed us in the past. We would like someone else to reevaluate this loan. Credit Acceptance Corporation has destroyed our credit and we are currently unable to get a home for our family because of it.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXXXXXX XXXX reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and 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