BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
We have been scammed by XXXX XXXX XXXX XXXX XXXX. They let us leave with a brand new vehicle and confirming our loan was approved through XXXX XXXX   and that the only document pending was a water bill, which we later provided. At this time we also paid them {$2000.00} as down-payment. 

A few days later they start harassing us saying that Hyundai needed more documents from us. Long story short and after many days of going back and forth with the sales manager, a finance member and the sales person, we provided them the following documents : Green card copy Passport copy Driver Licence copy Social security card copy ( front and back ) Water bill Marriage certificate Apartment Lease copy After having all these documents that could easily end in Identity theft we received more calls from the dealer saying that they still needed more proof of residence from my husband. At this point we felt we had been scammed. 

They weren't straight forward from day one and NEVER explained to us that all these documents were going to be needed in the first place and instead, let us leave their dealer keeping our down payment and confirming that the loan was approved. 

We received a CANCELLATION CONTRACT notice from them and we immediately returned the car. The sales manager as always promised us the down-payment refund would take some days and that he would try to be a full refund or at least {$0.00} per miles used. 
The day came and for our surprise they deducted {$0.00} used deducting a total of {$680.00} for XXXX miles ; we tried to complain and told them that the return of the car was happening per THEIR request and because they weren't honest with us from day one but as always they just don't listen. 

Consumer 's rights are not being fulfilled in that place. I left with the remaining amount of the down-payment feeling completely scammed. 

Of course we do not agree with what they did to us and we demand a full refund of our down-payment. 

The day we returned the car they kept all the original documents, including the Contract Cancellation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: AL
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 Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
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:
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. ACCOUNTS : XXXX XXXX and XXXX  XXXX XXXX  ( Original Creditor XXXX ) XXXX. Please delete these fraudulent accounts ASAP.

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 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.

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 2023-10-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I Disputed XXXX inquiries on XX/XX/2023. Due to a failure to respond within a XXXX  day period as the FCRA states. I would like for the inquiries to be deleted from my consumer report. 

Below are the accounts that were disputed : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX currently have some Fraudulent accounts and inquiries on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Omega RMS, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: GA
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:
I complained about XXXX, EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and stated that all companies are violating my rights to privacy, including transaction history, reporting inaccurate and outdated information such as old addresses, phone numbers, emails and employers. I have inquiries that I did not authorize, there was no permissible purpose. The banks have violated my consumer rights by sharing my non public information with non affiliated companies such as credit reporting agencies. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. 
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, 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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion XXXX and XXXX is reporting a XXXX  reported by XXXX XXXX  not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

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 2023-11-08
Company: EQUIFAX, 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NV
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:
I have experienced identity victimization as my information was utilized without my consent, which constitutes a violation under 15 USC 1681b regarding permissible purpose. I never provided written consent for anyone to furnish any details on my consumer report. I insist on the immediate deletion of the following accounts 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
Consumer complaint received 2023-07-18
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:
I'VE BEEN HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT WERE DUE TO FRAUD. I'M ATTACHING MY FTC REPORT ALONG WITH MY POLICE REPORT FOR THIS ITEMS TO BE DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regarding account ending in XXXX Citibank is still reporting information on this account and has admitted that they have sold this account to another company. This account shows inaccurate information, XXXX shows account in collections and XXXX shows all payments made on time. If Citibank sold this account to another company, why are they still reporting inaccurate information. 
I believe Citibank is purposely trying to harm my financial wellbeing. During Covid Citibank removed all of my available credit because I was late 1 month on my payments and when Citi removed all my available credit to protect themselves my credit score dropped XXXX points in 1 day. 
How can Citibank still be reporting an account that they sold. 
According to 15 U.S. code 44 Documentary evidence. I am requesting that Citibank show all documents relating to account ending in XXXX this includes all documents, papers, correspondence, books of account, and financial and corporate records.

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 2022-01-27
Company: SLM CORPORATION
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:
Someone attempted to receive a loan using my information through Sallie Mae. Hard inquiry is not by me and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: TX
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 attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Kriya Capital, LLC
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:
These credit bureaus have IGNORED by request for reinvestigation. I am STILL showing these account as Account Not Disputed. 
This shows they are simply reading and not investigating. This is a major violation. I am entitled to an investigation especially when trying to verify a debt. Each time this has been verified, it remained in Account not Disputed status. You are clearly being negligent with investigations. 

These bureaus are stating I need new information for these accounts to be investigated. The information has not changed! These creditors are not sending proper validation, & the bureaus are ALLOWING them to report out of compliance. 

Please provide proof of validity for these accounts. Such as a binding contract, permission to furnish from me to the collection agency, etc. I will not accept a simple statement of charges from the collection agency. Please supply actual proof such as a BINDING CONTRACT, permission to furnish an account from me to the creditor/debt collector, information on WHO verified this item, AND method of verification. Please conduct an actual investigation. 

I need these items to verify this debt or I will need to file a report with the FTC next if this is not done within 45 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Ascension Point Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter and phone calls claiming a relative has died and they are looking for who is responsible for his estate. It's not me or anyone else. 
The company is Ascension Point, LLC in MN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: MN
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:
Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, XXXX and Experian keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden

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 2019-11-15
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: Account status incorrect

Complaint:
Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you 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 explanation