BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought out my lease in XXXX of XXXX. The car was paid in full, yet title remained in Hyundais name. I am now seeking to get the title put in my name, but require Hyundai to send me the title and a letter authorizing me to transfer title in to my name, as the legal owner. My initial request was sent 5 weeks ago, at which time I was told a copy of title and the letter authorizing me to put title in my name would be emailed to me, and the original title would be mailed to me. ETA provided of 5 business days. Five days later, nothing received, I called back to find out they had no record of my request, but they would start it now. 5 more business days requested. After those five days, I received a copy of title via email, but no original title or title transfer authorization. I called again, and was told I could not receive either without an Odometer Statement, something never mentioned in my two previous requests. They sent me the Statement, I signed and returned immediately, and have e-mail confirmation from HMF of the documents receipt dated XX/XX/XXXX. I was then provided another 5-7 business day turnaround time to process the statement and attach it to my account. On XX/XX/XXXX, I called to confirm receipt of the Statement, and was advised they dont have it. They sent me the Statement again, I completed immediately and returned, and received another e-mail confirmation from HMF that the Statement was received dated XX/XX/XXXX. Ive now called again today, XX/XX/XXXX, and been advised that they dont have the Statement, 14 days after I received confirmation that HMF has the completed document. They sent the Statement again, I returned it again, and have an additional confirmation of receipt by HMF. 

Everyone I speak to shares the same story about not having any direct communication with any other department, and therefore no Avenue to research, investigate, or escalate the situation. Everything thats been asked for by HMF has been provided multiple times, with confirmation from HMF that its been received, yet no level of customer service is able to assist further, or provide any alternate Avenue to completion. At this rate, the five weeks Ive been attempting to work with HMF is going to increase exponentially because nobody at HMF believes its their responsibility to actually assist, they simply pass the responsibility on to a department they cant speak to directly. 

I want the title and the POA authorizing the title to go in my name, and Ive waited through several failed 5-7 business day turnaround times. There should not be any more such delays.

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 2019-10-07
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I found that Sun Trust illegally charged my personal advantage checking account {$20.00} fee by using description " a monthly maintenance fee for XX/XX/2019 statement ''. I truly believe that this is banking error and illegal deduction without my consent. So I contacted this bank immediately by using online secured messages twice. However I never heard anything about my complaint. On XX/XX/XXXX and XX/XX/2019 I sent three emails to both customer care and a branch representative named XXXX XXXX to ask them to reverse this illegal fee {$20.00} because this personal advantage checking account was linked with business account and overall balance was {$10000.00} according to the bank 's terms and conditions and fee schedule. However I never heard anything from both customer care and XXXX XXXX - the person who opened my account in XX/XX/2019. Then I called customer service XXXX three times especially on XX/XX/XXXX and XX/XX/2019 by speaking with XXXX, XXXX and another female supervisor. I clearly stated that I have spent at least 4-5 hours to complained this {$20.00} fee problem caused by Sun trust without any reason. I further stated that not only the bank must return my money {$20.00} but also you have to pay my time {$300.00} per hour for at least 4-5 hours due to ignorance of customer 's complaint. By giving them several times notice I have no choice but to file formal CFPB complaint about this illegal deduction without my consent which severely violated my right and terms & conditions, fee schedules etc. In the past, I also brought anther issue in front of Suntrust due to promotional bonus {$500.00} and {$750.00} for this account. The promotional offer says " a new personal checking account with direct deposit morn than {$500.00} within 60 days of account opening plus 10 debit transactions ''. However I was only paid {$250.00}. I have explained numerous times to Sun Trust that a thief in East coast stole my bank accounts plus my property was illegally taken away. So total cash loss exceed {$100000.00}. 
Therefore this bank still owe me {$500.00} based on the current market rate.

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 2022-12-30
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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hey I sent in two copies of dispute letters and they did not give me feed back on them. By law after 90 days of no response the debt is suppose to be removed. I know the laws and this concerns me. I want feed back.

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 2022-01-03
Company: SLM CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have spent the last 1.5 hours trying to open a money market account with Sallie Mae I had an account several years ago. I tried to use the ID I had before and it returned an error that I do not have a current account. I tried to call and get help but no one was able to assist. i spoke with a man first who could not help. he transferred me to a voicemail that said everyone was out on holiday ( This is XX/XX/XXXX ) I called back twice and spoke with XXXX who was very unhelpful and hung up on me. I then spoke to XXXX. She tried to help but did not. 
I have spent TWO hours trying to set up a Savings account and customer care will not assist. 
This is ridiculous! Horrible customer service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
I was the victim of identity theft and had someone fraudulently apply for several credit cards using my personal information. I was able to deal with the creditors to fix this, as well as two of the three credit bureaus to remove the hard inquiries. TransUnion still has two fraudulent hard inquiries on my account, and is being very difficult about removing them. I have called them three separate times ( most recently spoke to " XXXX '' ), and all three times they claim they're waiting to hear back from the banks XXXX XXXX XXXX XXXX and XXXX XXXX ). I spoke to both banks several times, and both said they sent notice to all credit bureaus indicating that the inquiries were fraud. Only TransUnion has not removed them.

Here are the two fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-05-11
Company: Modern Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reporting a collection agency that appears to my credit report that has violated my rights and posted a debt that does not belong to me. It is a debt collector using false, deceptive and misleading practices such as misrepresentation about this debt that appeared and is harming my report. A debt collector is not allowed to harass me. They are calling me 2 years now for a debt that I have absolutely no knowledge for. They misrepresent themselves and they never disclose their actual names. They are trying to collect sensitive info and basically and foremost they are calling me to my business line creating a hardship to my work. No data is validating the alleged debt. When this collection agency opened this account they had no license to conduct business in the state of XXXX. They are licensed since XX/XX/XXXX. They are harassing me 2 years now and the XXXX report that is attached it states that they have the account since XX/XX/XXXX. Additionally their reviews show exactly that they are causing extreme problems to other consumers not liable for the debts that Modern Adjustment Bureau claims. The problem is that this debt collector posted this frigolus and bogus debt to 2 reporting agencies. Using unfair, deceptive, and abusive acts or practices against me while at the same time when this harassment started were not even licensed to even be seeking to satisfy a debt that does not belong to me is against State and Federal laws protecting consumers, In XXXX and XXXX this agency is listed with different addresses. No data is available as far as this debt. They asked my personal info so many times. That does not even make sense. I would never give my personal info to a Debt Collector. I already have Identity theft on file as well as being impacted by XXXX XXXX XXXX in XXXX. Please kindly assist me to remove this fraudulent collection agency. Thank you in advance XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Affirm Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My cell phone was hacked and in the time someone had access to my phone I had several charges from my bank account. My bank investigated and stated that it was indeed fraudulent charges and refunded me my money 100 %. 

The hackers attempted to purchase an XXXX and send it to a house in Florida. Again, I was able to stop that. 
They did open several accounts for Affirm Loan Services which payments are due now. 

How I found out was randomly pants showed up at my house. {$300.00} pants. I reached out to Affirm and their fraud department decided I was still responsible for said charges. I provided them with the the documentation from my bank stating the banks fraud department determined that I had had fraudulent charges around the same time as the loans had opened up. They closed out my case and XXXX XXXX a Supervisor on the Affirm Customer Care Team stated the investigation was not reviewable at this time. 

Below are the following information for the 3 accounts opened under my name without my knowledge or permission. 

Creditor : Affirm Load Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Payment Agreement ID : XXXX Number of Payments : XXXX Amount of Each Payment : {$27.00} Due Biweekly Starting : XXXX Total Payments : {$110.00} Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Payment Agreement ID : XXXX Number of Payments : XXXX Amount of Payment XXXX through XXXX : {$100.00} Amount of Payment XXXX : {$100.00} Due Monthly Starting : XXXX Total Payments : {$320.00} Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Agreement ID : XXXX Number of Payments : XXXX Amount of Payment XXXX through XXXX : {$86.00} Amount of Payment XXXX : {$86.00} Due Monthly Starting : XXXX Total Payments : {$260.00} Please help me get this fixed. I went to the company and even though I had no knowledge or gave no one permission to use my name they are still stating I am responsible for this. I can't afford over {$600.00} in charges for pants. I'm a XXXX shopper for me and my XXXX kids. 

My XXXX  screenshots will show that at XXXX on XXXX someone had transferred my XXXX card to another Cell phone. On the same day at XXXX my sim card was transferred back. Then after that they flagged my account for all XXXX card transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or correct the following items that are hurting my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-08-18
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:
To Whom this may concern, I am not responsible of these account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes, but you guys refused to remove them I have submitted my police FTC report, with two form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and Experian, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 
15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and Experian appear to be failing to maintain reasonable procedures. 
Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation I am entitled to a XXXX XXXXper violation plus any other damages i have sustained as a result of your failure to follow the law. I have file more than 1 complaint, willful noncompliance can easily be proven as you had a full understanding of the violations after i complained the 1st time 15 U.S. Code 1681o - Civil liability for negligent noncompliance

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 2022-12-30
Company: Experian Information Solutions Inc.
State: OK
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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