BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am so sure that I may be a victim of identity theft! 
You know what I am shocked to have this situation ... I do not recognize these accounts. I believe I became a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and remove it. Also It could be possible you are mixing up these accounts with someone that has a similar name as me ... so please deal with that 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 2019-04-15
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/2018, several attempts were made to obtain credit through EXPERIAN and XXXX crecit reporting agencies by someone using my social security number and personal ID. Both credit applications were denied due to insufficient credit history. As a result, I filed a fraud ID theft report with the FTC # XXXX on XX/XX/2018. 

After reviewing my EXPERIAN credit report, I discovered that my 45 year credit line history was expunged with the exception of two closed account accounts.. As a result, no FICO credit score. 

After disputing the fraudulent credit applications to both Experian and XXXX, disputes were resolved, however, the EXPERIAN account still showed no credit line history and they were unable to assign a FICO score due to " Insufficient credit history ''. 

After four months of attempting to obtain a reason for Experian expunging my credit history, I was finally able to speak to an attendant who researched my issue. I was advised that perhaps I hadn't activated credit reporting avtivity. I confirmed with my banks, mortgage carrier, credit card companies, who all indicated they were continuing to forward my monthly account activity to EXPERIAN. Recently, and again after many futile attempts to resolve my problem, I was advised that a " computer error '' was the reason for my credit history not being properly recorded and that it would take some time to fix, no approximate time frame given. Please note that when I checked my Experian credit report in XX/XX/2018, there was another social security number attached to my account which was supposed to be removed by Experian after I disputed it. 

Please note that my current XXXX and XXXX credit accounts are up to date with FICO credit scores above 800.

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 2021-03-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hey we have been contacting paypal for 3 months and every-time an agent say I will immediately escalate your demand to the relevant department and will get back to you shortly when we have updates. and he will never come back. 
the problem is : we were having some problems with delivery in the lockdown months due to covid-19 and we had some more cases coming then paypal put a hard reserve percentage ( 90 % for 80 days ) on our account which no business can survive with this reserve percentage and we understand that. but we put also a hard effort to deliver the orders as faster as we can. and we delivered all the orders to our costumers and we solved all the cases most of them in our favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am experiencing trouble with Hyundai Capital America, and in particular with my Kia Finance account. Within the last 2 years I have opened up lease agreements with this company for XXXX XXXX model year vehicles. I received a letter from them in XXXX of XXXX informing me that I had an outstanding balance against both of the vehicles that I have leased with them, due to taxes levied by my state. I have no issue with this, this is expected in the case of a lease. This was the first notice I received because both vehicles are set up with AutoPay so I do not check their website regularly. Within 48 hours of receiving the notice in the mail, I logged into my Kia Finance account and attempted to initiate payment. I thought I was all set and the payment was due to be processed. Then, to my surprise I received another letter in XXXX of XXXX informing me that both vehicles still had an outstanding balance. Apparently on the first attempt, both payments failed to process, I believe because of issues with their web portal. When I attempt to log into the web portal now I have something like a 30 % success rate using a standard XXXX PC and a Chrome browser, which is not the performance I would expect from such a large company. In any case, I logged back into my web portal in XXXX of XXXX, saw that it was indeed reporting a balance, so I scheduled payments for both vehicles again. In this case, it would appear that payment for only XXXX vehicle was processed The next communication I received in XX/XX/XXXX was from the collections department telling me I was delinquent and that the delinquency had already been reported to the agencies. I checked on the account, contacted customer service and had them process payment over the phone. I then checked on my autopay status, saw that it claims autopay will pay the " Amount Due '' and brought that up as a complaint with them. I also sent a letter to their dispute department and the process was not followed as described on the phone. 

I submitted the above complaint to the XXXX and was contacted by Hyundai Finance America and told that this is just how their payment system works. I maintain that if it is represented on the website that I will be charged the amount due, then there should be no issues with delinquent payments. If they want to change the language on their website then in the future people might not be in the same situation I was in.

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 2021-01-21
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$330.00} Original creditor : 05 XXXXXXXX XXXX XXXX XXXX  {$1000.00} Original creditor : 01 XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} Original creditor : 11 XXXX {$550.00} Original creditor : 01 XXXX I've contacted this company many times asking for a validation of debt since they couldn't verify these accounts their are stating that I owed I ask them to remove these fraudulent I didn't approve that was open in my name. 
they Keep violating my rights I wouldn't send me a copy of validation of debt according to my consumer rights. I told them this is unfair practices according to 15 USC 16g2f I also keep asking for a validation of debt. the name of the creditor of whom the debt is owned. I ask for them to not just remove these fraudulent statements and representation of that that the have fail to provide proof of such debt they said I've owe that they should be Delete from my Credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In reference to ID # XXXX the response was insufficient to the previous claim and charges. 15 U.S. Code 1611- Criminal liability for willful and knowing violation ; As the real beneficial owner of the account that Barclays has been fraudulently claiming the credit from the DTC. I requested my initial credit application be rescinded and all Securities Collateral. 
Per public law HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 U.S. Code 1601 and 1693 from demanding payment in any specific coin or currency of the United States is against public policy. You at Barclays have failed to perform your duty as fiduciary trustee of the account.

The debt in request is a financial asset per Barclays 4249b ) ( 5 ), as the issuer you were obligated to pay the interest on the debt securities, which you send as a billing statement each month. I am the investor/lender, per 12 U.S. Code 1431 - Powers and duties of banks, ( a ) Borrowing money ; issuing bonds and debentures. Barclays did not lend me anything and should be paying me as the investor instead using it as receivables and financial asset to the benefit of the bank.

Failure to rectify this situation compel a complaint with the Securities and Exchange Commission ( SEC ), asserting non-compliance and potential SECURITIES FRAUD and the IRS Criminal Investigation Division ( 3949-A ) for an audit of the off ledger accounting for possible tax evasion.

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 2021-01-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reported my credit cards as stolen. I called citi bank as soon as I was aware of the theft. Cards are in my office desk drawer and the office was closed due to Covid so I didn't know they were gone as quick as I would if the office was open. At my call they told me they would send me the paperwork and a new card. This never happened. I called them several weeks later because I was getting calls from furniture companies where someone had used the card in my name to order. I called citi again to tell them the card was still active and not to process it. I was informed they could not speak to me because I didn't have a code. I tried explaining 4 times that someone had stolen my cards, I had filed a police report for all the missing cards, not just there's. They not only mailed the thieves a new card, but the dispute paperwork. They refuse to talk to me and continue to allow someone else to run up bills I am sure they have no intention of paying till they max out the cards. Because I don't know the code I can't cancel the cards.

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 2019-04-30
Company: EQUIFAX, INC.
State: OH
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 went to look for a car. I asked the dealer if the only ran my credit they said yes only them well they lied and sent my info to many different credit lenders i did not authroize and i contacted each one by mail no repsone and one did  reply and said i applied for a XXXX car and i have never even looked at a XXXX in my life so they also sent false information on my behalf also. It is damaging my credit for these unauthorized inquires on my report. they also did it in two different dates XX/XX/XXXX and XXXX and i didn't Authorize that it was from XXXX imports on XXXX XXXX XXXX Ohio XXXX and list of creditors are XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  twice on there XXXX XXXX XXXX XXXX on there twice XXXX XXXX on there twice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: NJ
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 lender, XXXX ( a state of New Jersey student loan agency ), granted me a forbearance in light of a XXXX hardship. However, XXXX failed to properly process that forbearance and as a result, misreported delinquencies to all three credit bureaus for the months of XXXX 2020. XXXX has since acknowledged its error and seemingly corrected the misreporting with XXXX  and XXXX, but there has been a complete breakdown in communication with Experian. 

XXXX has confirmed multiple times, in writing, that no delinquencies should have ever been reported -- they do not dispute whatsoever that the initial mistake was theirs. However, XXXX keeps saying that they have done everything possible to correct the matter with Experian, but Experian must be failing to make appropriate corrections on their end. 

Experian, on the other hand, claims that XXXX continues to indicate delinquencies for the months of XXXX, notwithstanding several formal disputes that I have initiated with Experian. With regard to those disputes, XXXX claims that they were never contacted by Experian regarding any dispute, while, as noted, Experian claims XXXX was contacted and indicated the delinquencies should remain on my credit report. 

I have attempted for more than SIX MONTHS to resolve this. There is seemingly no way to bring XXXX and Experian into contact with one another in a way that transmits an accurate correction of my credit report from XXXX to Experian. I have ample documentation confirming everything explained above. 

My primary contact at XXXX is XXXX XXXX, whose email is 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 2022-10-12
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter on XX/XX/22, I called the company the same day and emailed the company on the same day to dispute the debt. I hand wrote a dispute letter on XX/XX/22. I received a letter from the debt collection company today indicating the debt is mine even though the letter from the company shows the services were provided to someone else.

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 2023-10-08
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
When I opened my account with Discover, I was fairly new to the USA after moving from the XXXX, as such they requested additional information to request information from the IRS, I provided this information and signed a docusign document, to enable them to request this information. 

On XX/XX/XXXXthey emailed saying they were unable to complete the verification, I called them and they said they didnt receive the info back from IRS in time, and they resent the verification documents needed. I completed as requested and heard nothing back. Assumed all was good. 

On XX/XX/XXXX, I went to use my credit card at XXXX XXXX Airport, and in front of many other people, my card was declined. Embarrassing for sure, I called discover who claimed they made a business decision as they couldnt verify my information with the IRS. They claimed I should have received an email informing me. Which I then received at XXXX on that night. 

When I arrived back from my trip, I received a letter from the IRS setting a request for my information had been declined since discover had filled the form out incorrectly Discover then reported this closure to the credit records and now it looks like I have 150 % credit utilization, making it impossible for me to open an account with a reputable company. 

Im still so new to the USA that my credit history is limited, and now theyve ruined it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A few weeks ago, I spoke with a representative at US Bank regarding my business credit card account, and she said that she could simplify my account by adjusting the account from " central billing '' to " personal billing ''. She intimated to me that the adjustment would be quick, simple, and free, as she said NOTHING about any charges associated with the adjustment WHATSOEVER. 

A month later, US Bank assessed a {$75.00} charge against me for making the account adjustment. 

I never authorized the adjustment for {$75.00}. Had I known that the adjustment would cost {$75.00}, I never would have gone through with it. 

By charging me the {$75.00}, and refusing to refund me, I believe that USBank has employed an unfair and deceptive trade practice.

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 2021-06-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services , LLC has increased the amount charged to me each month in relation to my mortgage loan compared to my monthly payments before the transfer to Carrington. In answer to my repeated questions on this, Carrington says that the property taxes and insurance have gone up. However, the property taxes and insurance have *not increased*. Please see the attached documents I am uploading which prove that the property taxes and insurance have not increased. I want Carrington to correct this and to refund me the extra money it has forced me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to express my annoyance and frustration regarding the inaccurate information on my credit report related to the accounts listed below : XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Despite my multiple attempts to resolve the issue, the late payments and negative status continue to be reported on these accounts. It is unacceptable that my family 's exceptional circumstances and financial difficulties due to the death of a close relative are not being taken into account. I want to bring to your attention that I have been in touch with the respective creditors, who have agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. I expect that this agreement will be reflected on my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2021-10-30
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
COMPLAINT DESCRIPTION I entered a contract by deception with XXXX XXXX XXXX in XXXX of this year XXXX. The down payment of the contract in the amount of {$2000.00} was placed on a RCI credit card with zero percent interest for six months. The only other billing that should have been placed on this account was the maintenance fee of {$81.00}. Three consecutive payments made to RCI to pay off the down payment are as follows : XX/XX/XXXX-check # XXXX/ {$1000.00} ; XX/XX/XXXX-check # XXXX/ {$500.00} and finally on the web site XX/XX/XXXX- {$500.00} confirmation # XXXX  for a total of XXXX. Payment for the resort was being paid to a company called XXXX XXXX XXXX in the amount of {$300.00}. Consecutive payments were made to this company as follows : XX/XX/XXXX-reference # XXXX  ; XX/XX/XXXX-reference # XXXX  ; XX/XX/XXXX-refence # XXXX  and finally XX/XX/XXXX-reference # XXXX. I notified RCI dispute department as soon as I noticed the first of double payment made by XXXX XXXX on XX/XX/XXXX. When nothing changed a second charge occurred on XX/XX/XXXX which prompt me to speak directly with a manager in hopes of clearing up this problem. Manager XXXX, ( in the dispute dept. }, asked me to send documents proving payments made. I received a denial response to my mailing ( XX/XX/XXXX ) saying that they never received documents from me allowing them to pursue credit from the merchant. I called and spoke with XXXX XXXX Financial Service Manager Mr. XXXX XXXX on XX/XX/XXXX. He emailed me documents of my contract on ( XX/XX/XXXX ) but never addressed the issue of the double billing. I called to speak to him again, however, he has not responded to my calls. This leads me to believe that he feels there is no real issue. My last attempt to clear up this misunderstanding was to call the RCI FRAUD Department, where I spoke with manager XXXX ( ID # XXXX ). XXXX asked me to send in documentation once again as proof of payments. The documents were mailed on XX/XX/XXXX by priority mail. The tracking number showed RCI received my documents on Monday XX/XX/XXXX. I called on XX/XX/XXXX to follow up on this issue to the Fraud department. Relationship manager XXXX talked to the Fraud personnel only to find out there was no documentation on my file for Fraud. That was my last straw. There appears to be a total lack of communication, documentation, and interest to the status of clients associated with RCI. Please note : the RCI account is charged and interest rate of 18.24 % on all outstanding balances and a {$29.00} late fee for non payment.

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