BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Curacao issued credit in the amount of just over {$1000.00} to an individual using my social security number. The name and the address did not match mine, and a credit history was never run on my credit. The debt was not payed and I did not learn about the credit issued until a judgement of a charge off was entered on my credit report. When I contacted the company, the fraud analyst, XXXX XXXX, asked me to complete a fraud affidavit, notarized, which I did. She asked me to send a copy of my driver 's license and utility bills, which I told her I would show her in person, but not provide a copy of. She declined citing " covid '' concerns, even though we are in XXXX of 2022 and mask mandates have been lifted in XXXX XXXX, and her store front is open to the public. 
This company is issuing credit without running social security numbers to check for a credit freeze, which my credit has. This is irresponsible. I would like my credit report to be notified that this was an error on their part and is not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have a duplicate charge of {$44.00} for XX/XX/23 & XX/XX/23. I have called XXXX which is where the charge originated from and apparently it is Direct Express glitches ' that are causing the double billing. They collected on the XX/XX/23 charge and have not collected on the XX/XX/23 charge and do not intend to, per XXXX this is not longer a pending transaction and should have been credited back to my accoung I have called Direct Express several times over the last week. I actually waited on hold for two ( 2 ) hours and again for over an hour. You can not get through. I called Comercia bank as they are the bank which issues the card and they could not help and refused to even talk to me. 

Someone needs to be held accountable for this. I have tried to dispute the charge, but can not get through. Something is going on with the company. XXXX stated that it is XXXX XXXX and Direct Express experiencing this problem with double billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
XXXX XXXX XXXX  XXXX, federal student loan were closed in XX/XX/XXXX under chapter XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit. 

Ally auto loan Acct. was held under spouses bankruptcy XX/XX/XXXX under chapter XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit.

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 2022-12-22
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022, I saw that Barclays decreased my credit limit by half. Initially my credit limit was over {$7500.00} ; then they randomly decreased it to {$4500.00}, now they've decreased it again to under {$2000.00} with no explanation given. 

I believe this was done in retaliation to a complaint I made to Barclays customer service department on XX/XX/2022. 

I made a complaint to Barclays on XX/XX/2022 due to bad customer service in relation to the XXXX XXXX fees added to my account. I expressed to the rep that I unknowingly used the Barclays card for a XXXX XXXX not knowing this was considered a cash advance. I was charged XXXX times for a XXXX XXXX fee on the same XXXX. Had I known about the fees, I wouldn't have used the card XXXX times. It's incomprehensible to knowingly make that type of mistake. The customer complaint case number is XXXX. 

Retaliation because of a complaint is unacceptable. There decisions to continuously decrease my credit limit negatively impacted my XXXX XXXX, which is interfering with my livelihood. 

I've never paid a bill late in the XXXX XXXX I've possessed the Barclays card, and I am greatly dissatisfied with their actions. 

Whenever I ask to speak to a customer rep, the call is outsourced to someone foreign, making the communication extremely difficult.

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 2022-12-22
Company: HYUNDAI CAPITAL AMERICA
State: TX
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:
XXXXXXXX XXXX XXXX Kia XXXX XXXX was repossessed and sold at an auction XXXX XXXX. I called Kia finance America today XX/XX/2022 for the details related to the sale because on my credit report its reporting as a XXXX balance due. I called XXXX XX/XX/202XXXX XXXX XXXX XXXX to request the bill of sales for the car sale transaction I was told by an employee that they dont have it. Employee stated that the auction doesnt provide a bill of sale to them. I said okay and hanged up, I called back again at XXXX XXXX to inquire how much the car was sold for the I spoke to the same person and this time around she was extremely rude and snappy at me. I asked her well how much was the car sold for? I was told {$22000.00}. I hang up and I called again for the XXXX XXXX to request in writing that my debt was essentially paid off in full. I got transferred to their lawyer department was on hold for XXXX XXXX and when someone picked up the phone they just abruptly hanged up. I just want the documentation that I was supposed to get in the XXXX  place stating if I owe any money or not. Which I know I dont owe anything because If I did XXXX XXXX XXXX sure they will be breathing down my neck for their money.

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 2017-11-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN 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 2022-12-22
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX. 

# XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the account with XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX notifying them that the account they were reporting was questionable due to the inaccurate information that was being reported. It later showed on my updated credit report comments that I had not satisfied debt which is not factual. I then attempted to contact the company directly on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) to notify them via certified mail that the account they were reporting on my file was inaccurate and outdated and for them to give me the process by which they verified this debt. I have not received a response from them nor have they removed the account from my credit file which is gravely impacting my credit standing.

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 2023-06-06
Company: Atlantic Recovery Solutions LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector emailed me, then 2 mins later repeatedly called my phone non stop. They are trying to collect on a debt that was written off by the original company. I explained to them I have never signed any contract with their company which is Atlantic Recovery Solutions LLC nor have I ever went into a contract with XXXX XXXX XXXX. He sent over a contract that reference a different address than one I have ever lived at which is also different from whats on my license. He also sent over a page that has a signature that isnt even my signature and does not match my drivers license it looks to be an automated signature. This company is trying to pin a dent on me and are harassing me to do just that please see attachment with how they call back to back. I have also filed a complaint on XXXX and sent this along to a lawyer who sues debt collectors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2021-02-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX at about and around XXXX I met with Mr.XXXX  Sale Manager Of XXXX, California Toyota Dealership who assisted me on purchasing my XXXX XXXX XXXX on XX/XX/XXXX. 

Mr.XXXX  had a conversation with Toyota Financing Services Ms.XXXX with employee ID # XXXX and also another Rep in regards of a possible trade in so I able to have a monthly payment of {$300.00} a month that's more affordable for me instead of present Auto loan payment of {$480.00}. 

I am respectfully not able to pay {$480.00} a month now or later I can only pay {$300.00} - {$320.00} a month payment. 
Toyota rep in which he was a male rep stated on a recorded phone conversation as Toyota Administration records all customers conversation. 
I made call to Toyota Financial with my cell # XXXX my call can be traced by Federal Government and location at XXXX Toyota Dealership for evidence. 

Mr.XXXX explain to both Reps of trade in to make my monthly payments at {$300.00} a month, but Toyota Financial Services wants doesn't want to reduce the Payoff to {$14000.00} as XXXX XXXX states for XXXX as value decreases. 

Toyota Financial Service is asking for a Payoff of {$23000.00} and is go through XXXX was purchase for {$26000.00} on XXXX XXXX with GAP Insurance and Extended Maintenance Repairs Service , but this Gap and Extended Service was terminated by me on XXXX XXXX and Toyota eliminated and the funds of around {$2300.00} that was retrieve was utilize to be implemented on the Toyota Auto loan XXXX XXXX XXXX as stated on billing statement evidence of XXXX XXXX. 
I provide evidence of this payment from Gap Insurance funds to Federal Government CFPB and XXXX Department of Justice on filed complaints # XXXX and provide it evidence to US Senator XXXX XXXX office. 

Toyota Financial Service Male Rep that was talking to me and Mr.XXXX stated that Toyota Financial can make my monthly payments more affordable so I can keep this wonderful beautiful reliable Toyota vehicle as I love it and I love to keep it.

If Toyota Administration reduces my monthly payments to {$300.00} a month I will make timely payments until vehicle is paid in full and respectfully timely payments will support me in getting my credit in prosperity as my credit is not in prosperity and I am working on my credit. 

Toyota Financial Administration rep stated that Toyota has special programs for our Military Veterans for support. I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX  and Retired. 
I only receive XXXX  XXXX Retirement Pension income and I don't receive Social Security benefits or any other income. 




.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: SC
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please REMOVE the following inquiries due to the XXXX  and XXXX XXXX DATA BREACH. You must PROTECT my information & not allow people to use my personal information to apply for credit in my name. I have attached all of the inquiries.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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/2022 I sent dispute letters to Transunion, XXXX, and XXXX. Disputing the accuracy of the inquiry. It has been over XXXX  days and I have received no response.

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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.

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 2023-07-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2023-03-13
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Loan Depot was my mortgage provider. I had my payments set up on auto pay through my bank. Loan Depot informed me that I did not make my XX/XX/2022 payment, however, the funds were showing they were removed from my account. I was is in constant contact with Loan Depot including sending them multiple emails documenting the removal of funds. Apparently they failed to cash the check and the funds were restored to my account. I sent them the payment that day through an automated draft directly from my account. Loan depot then proceeded to report a late mortgage payment to my credit report. I have never missed a mortgage payment in my life. I rarely spoke to the same person twice and the customer service was horrible.

Company response to consumer: Closed with explanation