BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Picked up an order from a store, but they were out of an item. The store claimed to have refunded it, but some time later I realized this wasn't the case. I disputed part of the charge using the form on the account website and submitted it through their online messaging system as directed. I've now done this twice, once on XX/XX/XXXX, and once around XX/XX/XXXX ( don't know exactly ), but I've not received any written or any other communication from them

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 monetary relief
Consumer complaint received 2023-08-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a Toyota XXXX. XXXX is a hydrogen car that Toyota sells with a discount, a state rebate, and a {$15000.00} fuel card. 

This fuel card was characterized to me as having 150 fill-ups while the price of hydrogen went down. That was the way for Toyota to incent the car purchase and protect the buyer from high fuel expenses. 

At the time, the card 's value was {$15000.00}, the price of hydrogen at the time was {$18.00} per Kilogram and the car 's tank had a capacity of XXXX Kilograms. So it was pretty close to XXXX tanks. They even claimed it could get close to XXXX miles of fuel. 

Since I bought the car, the price of hydrogen has not gone down at all. In fact, it has more than doubled. There are XXXX people in the state of California on the same boat. The number of tanks the fuel card holds has gone down by half, the car 's value is intimately tied to the card, and Toyota does nothing to at least make folks whole. It's a double financial whammy. The card 's value is halved, and the car 's trade-in value also keeps going down. Toyota is the single larges customer of this fuel in the state of california and its actions have an impact on every other player in the market. 

The real shame is that it's likely the hydrogen infrastructure will collapse, and the car be worthless. Yet, I still owe Toyota {$30000.00} for a car and a card whose purchasing value went down {$7500.00} in a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced mortgage with lender had a impound account with Dovenmuehle mortgage services located in XXXX IL, 5 years ago. This particular company did not report to me that my wife and I had a overage of over XXXX dollars. No check in the mail, no notice, no phone call. They held on to it for 5 years now it sits in Californias unclaimed property trust that I have to jump through hoops to obtain. Californias trust just received it 3 months ago. When I called Dovenmuehle 6 months ago, I informed them I have documentation that I had a impound account with them on a previous mortgage they said I had to contact CA and would no longer talk to me. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls since XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and today at XXXX. When I called back at XXXX to ask for more information, the woman responded seemed to get upset when I mentioned " Fair Debt Collection Act violation '' and " I intend on filing a complaint against your company ''. She dragged her feet and didn't provide anything. After she hung up I called back at XXXX to talk to somebody else and found out it was " Credit Management L.P '' doing all the phone calls.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: NJ
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 regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I

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 2022-07-18
Company: BARCLAYS BANK DELAWARE
State: TN
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:
My XXXX XXXX XXXX was through XXXX XXXX 
XXXX XXXX announced Barclays was taking over their accounts. 
I made a payment XX/XX/22 of {$5400.00} online via my bank to XXXX XXXX- this happened to be the same time Barclays was taking over the accounts. 
The payment is shown on my Barclays account. 
However, the next item on my account is a weird % symbol - and it shows the payment being reversed. 
Barclays claims they refunded the money. They did not. 
I have called Barclays 3 times and submitted fraudulent reports online - as this is {$5400.00} they claim to have refunded but has now disappeared. 
I had Barclays on the phone with my bank at the same time and my bank confirmed the money was not refunded.

Barclays has advised 2 times they were issuing a " case, '' upon my third call where they finally allowed me to speak with a supervisor- they said a case was not issued on the first two occasions but now they are going to issue a " case '' again. It will now take 30 days more to hear from the " case '' if it was even issued this time around. 
In the meantime, they have sent me a statement charging me the interest on the full balance- which should be {$5400.00} less as they have my {$5400.00} but refuse to credit my account for it.

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 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 or around XX/XX/2021, Capital One placed a hard inquiry on my credit report. I did not authorize such an inquiry, nor did I apply for any account with Capital One. Further, I have no existing accounts with Capital One. I called Capital One 's fraud department on XX/XX/2021, and they could not locate any record of me applying for an account or having an account either. Yet, they could not explain why they conducted a hard credit pull. 

I believe I may have been a victim of ID theft as I hard a hard credit pull from another financial institution made on the same day, but their fraud department proactively called me to confirm whether I had applied for a credit card with them ( which I had not ). That company then immediately cancelled the application, and I also put a fraud alert on my credit report with all 3 major credit bureaus. 

I am frustrated that Capital One took no action to note that I did not authorize their credit pull in order to avoid any fraudulent accounts being opened in my name, nor would they further investigate the matter to understand why they made the hard credit pull without my authorization, potentially in violation of the FCRA. I am also afraid that Capital One will allow a fraudulent account to be opened in my name given their inaction thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NJ
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 regards to account XXXX XXXX XXXXXXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this collection 6 times and it was taken off my report years ago and put right back on I have screen shots of proof now they are calling me with a new amount saying lcvc was originator but they are collecting I told them it was deleted 3x and they didnt care

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 regards to account XXXX XXXX  XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I

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 2021-02-18
Company: BTH Management
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had a debit with the original creditor that was expunged to the bankruptcy they sold the status of private company who intern said that my bankruptcy does not matter that that I owe them the money they purchased it now I owe them to XXXX dollars plus the collection fees of {$5000.00} are very rude very negative went off my XX/XX/XXXXfiling of a chapter XXXX  instead of my filing of a chapter XXXX which included the stat him contact to the bankruptcy attorney they contacted them let them know that it was expunged from the bankruptcy courts they told him it doesnt matter that I owe them the XXXX  money pay or they were going to sue me garnish my wages and put me in jail I am over this Im over the abuse of tactics they are emailing me and my husband my friends my family calling my husband my friends my family my children my minor child

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Purchased Certificate of Deposit from XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX was merged with XXXX XXXX  on XX/XX/XXXX. At the time I made contact with the bank and was told my certificate was safe with them. XXXX  was acquired by Huntington National Bank in XXXX. I contacted them and they confirmed the certificate was still valid. About 5 years ago I contacted the bank to cash my certificate and they refused to honor it. They told me they had no record of it. I have the certificate and have not been able to cash it. I am trying to clear credit card debts and other obligations. I have exhausted all options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX I applied for an installment loan I am a resident of North Carolina and the payday loan is in South Carolina. The interest is over 400 % as I found out was illegal in North Carolina. 

XXXX XXXX XXXX is continuing to try to draft out a payment for my XX/XX/XXXX of {$320.00} daily. I have been charged over {$100.00} in nsf fees. I have been in contact with them explained that I am currently not employeed and have a XXXX XXXX so am unable to get employment at this time. Their response was oh well we are going to continue to try to draft it out until it will go through. I would like this resolved immediately due to my checking account continues to be in the negative due to them and my financial institution is stating I must contact them to stop the ach withdrawals. They are not willing to assist me in anyway as well as the interest is 400 % illegal in the state of North Carolina

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 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been making my payments on time for the entirety of my loan so far. I recently fell into a financial hardship due to the on going pandemic. I contacted my Loan provider Capital One today ( XX/XX/22 ) and requested an extension on this month payment ( XXXX ). I was then told I did not qualify to have the payment extension. No explanation was given. Capital one website states they are here to help customers who are in an hardship, but yet I was not accept. Now I will have to lose my car since they are unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Park Hill Holdings
State: TN
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 recently applied for somewhere new to move and was declined. I was supplied with a copy of that report and noticed 2 different judgements/evictions from : XXXX XXXX XXXX case # : XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TN XXXX and XXXX XXXX XXXX case # : XXXX address : XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never been associated with neither of these apartment complex or these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: ERC
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:
i have been disputing incorrect info on my credit report for 3 months now every time i do this they say they verified the info but when i ask for docunments from the creditor they can not provide them to me our the brueasso has these stay on my credit when they cant validity the info they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: National Recoveries, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I dont think its fair for this to show up on my credit report when they get a grant for me attending

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation