BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX approximate date XX/XX/2018 XXXX dollars was outstrips paid to toyota financial services and XXXX dollars is owed to my account due to the unused warranties and coverages purchased. 

Toyota states dealership has not sent the payments to toyota financial services. 

I believe goes is committing fraud and stealing by requiring additional monthly car payments. 

XX/XX/2018 approximately XXXX XXXX Pacific Standard time I informed Toyota financial services that the payment info will be sent to them and they informed me that I had gap insurance to cover the difference between the value of the with the insurance paid and what is owed on the loan I was informed once they receive the payment from the insurance company which they received on theXX/XX/XXXX that they will go ahead and effectuate my gap insurance. On XX/XX/XXXX I spoke with XXXX customer service operator ID number XXXX XXXX she was the nicest one out of all the people have spoken with Toyota Financial Services she explain the process thoroughly and was very professional and patient after her never was able to reach a professional agent at Toyota financial and all they kept asking for is money money money money money they have not updated my credit bureaus and Toyota is extorting money out of me on XX/XX/XXXX I spoke with Toyota Financial Services again the representative who refused ID herself other than her name was XXXX very rude unprofessional yelling at me told me to go to XXXX and it doesn't matter because I'm going to pay for it one way or the other she said I have a problem with it take it up with some company by the name of XXXX and she left me on hold for 37 minutes and 19 seconds today XX/XX/XXXX I called and representative states to me the outstanding account remains and I need to make a payment treated unfairly I've been threatened and now I think I need the help of the Consumer Financial Protection Bureau they're collecting money from the gap insurance and extorting monthly payments from the account holders Toyota are professional thieves and Mafia type and I need help I can be reached at XXXX Today XX/XX/XXXX I call Toyota Financial Services spoke with the representative and she states that the settlement breakdown of {$28000.00} is not correct but yet 3 phone calls prior to today the representatives all of them stated the figures are correct and that I should go back to my insurance company and get more money from the insurance company and give it to them I feel as if I'm being extorted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called on XX/XX/23 and made a payment. I don't recall if I gave them a credit card or bank information but I received a confirmation number ( XXXX XXXX XXXX ). Evidently, through no fault of my own, the payment did not happen. I received a call from the company stating they will charge me {$100.00} because they did not receive a payment. Since calls are recorded by this company, I think they should listen to the call and know that the payment was made, figure out what happened and refund the {$100.00} fee. I concede that they did not receive the payment but the {$100.00} fee should be refunded because it is likely due to so error on their end that they did not get paid. They have no indications of a credit card rejecting the charge or a bank indicating insufficient funds. I have made the XXXX and XXXX payments as well as the {$100.00} fee but am asking this company to refund the {$100.00} fee.

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 2022-02-03
Company: Alorica Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for what i though was a " credit card '' in order to cover some car repair cost during the COVID 19 pandemic. I needed my car in order to get back and forth to work. I went to XXXXXXXX XXXX XXXX and they told me that the loan would be interest fee for the first 6 months. I ended up receiving the installment loan agreement in XX/XX/2021. I was not told that the loan would be paid weekly and have a daily accrual rate in the amount of0.45205 %. I financed {$1600.00}. They did not disclose to me the interest rate 164.54 %. I have been paying a weekly payment in the amount of {$63.00} for 51 weeks. I would end up financing {$3300.00}. This is abusive and i feel taken advantage of at this point. I am not working. I have called the company and spoken with the representative XXXX and spoke with XXXX the supervisor who was not able to help me however he did report that he would be escalating the problem to his supervisor that would try to resolve the issue. XXXX did her best to explain the terms of the agreement and reported that the store XXXX tire company should have went over the term of the agreements ( which they did not ). XXXX also reported that there should have been a electronic contact that was needed to be opened and signed on my phone which was also not sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Lendumo has predatory and unlawful practices. I took out a loan for {$1000.00} on XX/XX/23 due to some financial hardships. To date, I have paid {$2900.00} on a loan of {$1000.00} and but continue to make payments of {$260.00} biweekly due to the outrageous 745  % interest rate. What I was not aware of was the 33 % annual interest rate limit in Maryland. I contacted the company on XX/XX/23 with the following email : " To Whom It May Concern, I am reaching out to resolve my outstanding loan. Lenduomo is not authorized to provide loans in the state of Maryland as it is not licensed by the XXXX XXXX XXXX XXXX, and the interest rate of 745 % exceeds the legal state limit of 33  %. To date, I have paid {$2900.00} on a loan of {$1000.00}, and will consider the loan paid in full. Please confirm receipt of this email and resolution of this matter. '' I have not yet received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: FC HoldCo LLC
State: MI
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:
on XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX breached my rights to privacy by gaining access to my credit report without my permission. this caused me to have a hard inquiry on my credit report causing my credit score to decrease. A violation of 15usc 1681n made by your company.

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 2019-09-12
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My complaint may seem silly to some people but, to me, it's serious and I can't get any help with it or even any acknowledgment that anybody has read it, and certainly no acknowledgement that anybody cares. 

It involves Banks and Credit Cards and phones. 

I can not use a phone. 

Specifically my complaint is with : # XXXX XXXX XXXX XXXX and their XXXX credit card ; Background : I opened a credit card account, without using a phone, via internet, approximately a year ago. I was satisfied with the credit card rules, regulations, fees, charges and internet operation until about XXXX months ago. At that time, for no reason, I was denied access to my internet credit card account. 

Every since then whenever I attempt to log into my account I enter the exact same information I opened the account with, { the same information I used for several months before they started this new XXXX } and I get this : " we can not verify your information. call this number or log into your account and send a secure email '' I have wasted several hours trying to find a way to contact somebody connected with my internet account and the best I have found is : call this number or log into your account and send a secure email. 

Through no fault of mine, I can not use a phone. 
I opened the account with out using a phone. 
I can not get access to my account with out using a phone. 
I can no longer use the credit card but they continue taking money from my checking account monthly, and I can not stop it. 
I can not even close the credit card account without using a phone. 

I repeat : I can not use a phone.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-03
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: Their investigation did not fix an error on your report

Complaint:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.

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 2024-01-01
Company: Velocity Portfolio Group
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the balance off to CKS Prime Investment collection agency in XX/XX/2021. It still reflects on my credit report as an XXXX collections account on my credit reports. I reached out to CKS several times to request them to reflect the account as CLOSED or DELETE it. CKS refuses to update and correct my credit file. Which makes it look like I have an open recurring balance.

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 2023-10-05
Company: ALLY FINANCIAL INC.
State: MI
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:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlly FinancialXXXX 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 2023-09-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-09-22
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had credit accounts with Accima previously all paid in full. I notice that they keep collecting payments from my checking account so I called to ask why? I was told that it was for anew credit line opened XX/XX/2019. I immediately informed that I did not open a new account with them and that I wanted them to investigate account. I placed a police report and identify theft report, affidavit and submitted everything to Accima and the credit agencies. I have called Accima several times requesting to provide me information and contracts and assistance with investing this account and they have fail to resolve this problem. Not only did they collected payment from my bank account and did not investigate the account when Informed that this account fraudulent they have also fail to remove it from my credit report. I have rights as a consumer and they are violating all the FCRA codes. Please assist me with resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up 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 items 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 alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XX/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 2023-07-04
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 Balance : {$370.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX OF XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXXXXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX  Inquired XXXX XX/XX/2021.

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 2023-03-05
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights by reporting late payments to my consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthmore, 15 U.S. Code 1681a - Definitions ; rules of construction. ( 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.

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