BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: U.S. BANCORP
State: NY
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 tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate

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 2020-03-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Purchased vehicle on XX/XX/2020. During negotiations we repeatedly told the sales person we did not want to pay more than {$400.00} a month, he kept trying to get us to budge and we stated no time and time again. We finally agreed on {$400.00} a month with a 75 month term. We meet with a woman in finance to sign paperwork, the only thing she verbally tells us is that we were approved. She did not tell us the terms - this includes the APR, how many payments ( months ), or what the payment will be. She presents us paperwork and points  where to sign, and then gives us a digital keypad and tells us to sign. I found it odd that nothing else was ever discussed regarding the loan terms, but my husband was getting this vehicle under a sensitive nature and I did not want to intervene, I assumed the negotiations had already been discussed so it would be fine. We received a generic packet in the mail that had our account number so I was able to open our account online to pay the bill and this where we learned our monthly payment was higher than we discussed. Right away my husband called the dealership to discuss, he first got the sales person we worked with and he referred us to the finance person, my husband left a message on their voicemail. We did not hear back. My husband called two more times and did not receive a response. I wrote a review on XX/XX/XXXX on XXXX and a couple of other sites and then finally someone contacted us, but even then they write I am sorry we were unable to find you in our database - my first and last name was listed, are co-signers not in the databases of XXXX? It felt like they were trying to make my review look less legitimate. I wrote with someone via XXXX messenger and after a few attempts and messaging with several different people over who would help me and a day later the finance person spoke with my husband and basically said what we discussed with sales was only ballpark and we signed paperwork and there was nothing she would do for us. We did not find this answer acceptable and I wrote Toyota corporate XX/XX/XXXX, XXXX, XXXX and XXXX - the first two times they responded someone would be in touch, the last two there has not been a response. I have backup emails and messages from XXXX  along with my previous written reviews. Deeply disappointing experience and we find in upsetting that no one is even trying to resolve it with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: WI
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:
Hey I opened up a XXXX XXXX XXXX account through XXXX XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is zeroed it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of 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 explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Any time I try to contact Experian, I receive either an automated message from Experian stating they can't assist me by phone, and I need to send them my request via paper, or I receive the same response on the website, but I can never speak with a Human. I have sent all of my documentation in previously to obtain my credit report. 

When I tried calling the number on the website XXXX, I received an automated system that would not let me speak with a Human, but rather took my information and advised that I would have to mail my issue to the company with proof of who I am to assist me. I then called back and tried a different option ( you only have two ), trying to speak with a person, and the option again took my SSN, zip code, and the house number, and then asked me to record my name, and zip code, and then told me my 'request to add a security fraud on my account had been received and would be reported to all Credit Bureaus '. but not an option to speak with someone directly. 

this is ridiculous. If you are going to have control over anything with my credit, it should be mandated that there is an option for me to speak to a live person. Not just two options on a queue and a disconnection. 

I was finally able to speak with someone by contacting the corporate office in IL, and being transferred to 'special services ' to speak with someone. it shouldn't be this difficult to speak with someone there, period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged a late fee twice on my credit car from Best Buy Credit Services. The 2 checks were dated and mailed in a timely manor, prior to the due dates. I was Informed by an employee named XXXX from XXXX # XXXX that it must be mailed 11 days before due date, as not to be charged a late fee. I was never told this policy in the store when I applied for the credit card. I am closing my account as of XX/XX/2018, and disputing the {$27.00} late fee charges in writing by certified mail. I plan to pay account off in full in XXXX 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 monetary relief
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-06-23
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: World Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX sold a debt ( I DID NOT OWE ) to World Finance Corporation. I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. 

When I contacted XXXX XXXX about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. 

After additional research I was able to identify that XXXX XXXX was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to XXXX XXXX who advised me they are not reporting information regarding this debt on my credit report. 

I would like to reiterate, I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. 

XXXX XXXX inadvertently sold a debt to World Finance that I DID NOT OWE... 

Any loan in my name during those dates are fraudulent. 

I have attempted to resolve this with World Finance and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Leasing agent evicted me XXXX XXXX for non payment of rent in the amount of {$850.00}. The leasing agent would not honor the rental payment, late fees, and or court cost filing fees that was submitted by " XXXX XXXX and XXXX XXXX ''. In which the check in the amount of {$2600.00} the leasing agent cashed, kept, and put into her pocket book. And I have not been able to utilize their/there agency for " extra additional services and or assistant ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I thought I purchased a door stop as a gift on XXXX website. The only way to complete the transaction was through PayPal 's 'Send to Friend'which I should have red flagged. There was no communication, no confirmation from the website about my order, nothing, nada zip. I emailed the address on the website and the email bounced back. I contacted the XXXX seller, nothing. I looked up XXXX and it is not legit. I then called XXXX XXXX who has always reversed fraudulent transactions- this time they gave me PayPal XXXXs #. PayPal was no help and basically said the purchase was fine on their end. How so? I wasted {$39.00} on a product my brother never received!! PayPal should be held accountable and I should be refunded the money that XXXX XXXX stole from me. Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was disputed XX/XX/2017 resulted in account deletion due to unsupportive documents. Currently collection agency attempting to collect again. If not resolved immediately, legal action will be taken.

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 2021-10-13
Company: California Business Bureau, Inc.
State: NV
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:
My identity was stolen and used to open a fraudulent account XXXX {$10000.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
transunion and XXXX will not investigate disputes. I sent disputes about credit balance for XXXX  and XXXX cards being incorrect and they advised that I already disputed it but they have not resolved the issue. Transunion specifically is allowing anyone to access my credit report without my authorization including XXXX XXXX XXXXXXXX of a car loan I did not initiate.

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 2021-10-13
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Outstanding on time payments and final payoff to card was XXXX. Due date was XXXX and money arrived 12 hours later. Late fee charged on XXXX for {$29.00} then another late fee charged on XXXX even though the balance was paid of XXXX. They state they can not waive both late fees. I find it appalling on a holiday weekend they charge a late fee for receiving a final payoff hours after the due date. Unacceptable on their part to take {$60.00} from me that is not owed to 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 2019-05-18
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a copy of my credit report through XXXX  and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by Jefferson Capital Systems. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with XXXX and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that XXXX, Jefferson Capital Systems, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
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:
Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/2021. THIS IS THE RESPONSE THAT EXPERIAN SENT WHEN I SENT IN A COMPLAINT THAT I AM A VICTIM OF IDENTITY THEFT. 
I HAVE SUMBITTED THIS COMPLAINT MYSELF, AND HAVE ALREADY GIVEN AUTHORIZATION THRU THE CFPB. I XXXX XXXX XXXX PERMISSION TO CONTINUE WITH MY COMPLAINT OF IDENTITY THEFT

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 2021-06-10
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My interest rate is extremely high, they wont let me refinance or offer me any options and Im struggling to make the payments and my balance is twice the value of the car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Synovus Bank
State: IL
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:
I have an old credit card account with First Progress from XXXX. In XXXX filed ChapterXXXX bankruptcy. First Progress was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. First Progress never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a copy of my credit report through TransUnion and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by XXXX XXXX XXXX. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with TransUnion and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that TransUnion, XXXX XXXX XXXX, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.

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 2020-06-07
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
About an hour ago I paid a person Ive been talking to on XXXX for his account. He was supposed to sell me his account and when I sent the money he blocked me now Im trying to get a refund also I had him sign a agreement todays date is XX/XX/2020 XXXX

Company response to consumer: Closed with explanation