BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute with the card company on XXXX/XXXX/XXXX. I was told during that recorded call that if I returned the forms required within XXXX business days I would receive provisional credit within that XXXX business days. I called multiple times during that period to ensure that the forms were received. On XXXX/XXXX/XXXX I called and was told that the card would be credited that evening. I never received it. I called again on XXXX/XXXX/XXXX and was disconnected while on hold. I called on XXXX/XXXX/XXXX and was told that the hurricane was causing them to be unable to deal with disputes. I explained that my XXXX business days was long before the hurricane and was told that a level XXXX team would investigate. I called on XXXX/XXXX/XXXX and was told by XXXX XXXX that I could not speak with a supervisor and he would not provide a supervisors name to file a complaint. I could write a letter if I wanted to complain. I explained the issue and was again told the hurricane was the issue even though that was not in XXXX. I explained I read the terms and conditions of the card and it says they will resolve disputes within XXXX business days. If they need more time the cardholder will be given provisional credit within XXXX business days. This is on page XXXX of the terms and conditions. The supervisor that I was unable to speak with said yes, I returned everything and was eligible for credit, but that I do n't understand. The credit does n't need to be given to me within XXXX business days as the document states, I just need to return everything during that time and they will at some point up to XXXX business days later provide credit. That is not what is documented in their terms and conditions, it is n't what I was told by the dispute department or any other customer service representative. I asked again to speak with a supervisor and was told no. The phone number is XXXX. Cardholder services is XXXX XXXX XXXX XXXX FL XXXX. Their fax number is XXXX. The website is XXXX. The card is issued by XXXX XXXX XXXX XXXX and is XXXX branded card.

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 2021-07-24
Company: TCF NATIONAL BANK
State: IL
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:
All dates, amounts, and actions are included in the attached documents. 


I received a phone call from a person claiming to be from XXXX. I was told there was an issue with my computer and before I knew it, this person took control of my computer. At no time did I give this person any of my banking information, the name of my bank, my account number or any of my login IDs or passwords. I suspected this may be a scam and terminated the call. I contacted XXXX directly and was informed that they did not contact me. At this time, I realized it was a scam and contacted TCF Bank right away.

Unfortunately, TCF did not secure my accounts by restricting access or suspend my on-line banking access. These steps would have prevented the fraudulent withdrawals, including fulfilling a fraudulent XXXX XXXX request for {$2000.00} and processing an electronic check for {$8400.00}. Both withdrawals were sent to the same person. Both withdrawals were completely irregular for my account. I have written about 3 checks in the last 6 months. The scammers check looked nothing like mine.

TCF failed to contact me as to the suspicious transactions and failed to close the account upon my request. On the phone call, TCF told me that no strange activity had occurred on my account and that I should not worry. {$10000.00} later, TCF takes
no responsibility for the loss. They went back to listen to the notes of my phone call and there were none.

To this date, five months later, we have submitted everything TCF has asked for. We have filed a police report. Over those five months, we have called TCF numerous times and get some
one different who needs to catch up on the activity. A typical call is a half-hour to an hour on hold to only be told to call back in a few days. One customer service representative recognized that the case had gone on too long and opened an expedited case. Two days later, the expedited case was officially closed and the non-responsiveness continued. 
I am XXXX and on social security. My husband is a XXXX veteran with XXXX XXXX XXXX XXXX XXXX XXXX. We have a limited income and need this money. We need TCF to be accountable now since they were not when I contacted them before the money was taken. I realize that fraud is a prominent issue in recent times, but this one could have been avoided had TCF closed my account when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Cash out refinance Conventional Loan XXXX of XXXX. XXXX of XXXX I received a call from XXXX XXXX, loan originator say my credit score approved me for the Cash out refinance loan. XXXX of XXXX I received the official approval. XXXX of XXXX I received a denial of the loan. I've been a customer with PPH Mortgage for over 15 years never was late or missed a payment. I received multiple calls from the loan originator telling me the loan was in good standing. The money was for repairs of my home I've been living there since XXXX. I have all of application documents. PPH tied my personal credit for 4 months. I did not apply for any loans due to I didn't want any complications regarding my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
To whom this may concern, I am a single mom making effort to correct my credit report. I notice the more corrections I make on my report the more false reporting has happened. For instance in XX/XX/XXXX, I went to get a new car and found out my capital one auto financial was reporting 3 month behind on payment. When I paid them XXXX dollars that I found out that they apply it to the principle on the car and not to the payment. They were continuously reporting me late. I paid off the car three month early and they put on my credit report 90days late and paid. Which was not true. Another issue I have had with XXXX XXXX I have secure credit card that I was never late on. They closed my credit card due to fraudulent behaviors and has been reporting on my credit since XX/XX/XXXX that I am 90 days late on a credit card in XX/XX/ Although, this credit card was closed by the creditor who refused to let me pay on the account. Last, my student loams that suppose to be deferred to XX/XX/XXXX are reporting late as well. My credit score is very low. This is making it challenging for me to get housing and transportation. That I worked hard to get .How can we stop companies from abusing innocent people credit report. I am a victim and I am asking for your help and assistance. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Harley Davidson Financial Services Inc
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Harley Davidson Credit XXXX # XXXX Dear Customer Service : My credit report reflects an account with Harley Davidson Credit. This account was closed and vehicle voluntarily returned before I filed a Chapter XXXX bankruptcy. It was agreed that XXXX XXXX would remove this report from my credit history upon return of their collateral, a XXXX XXXX XXXX XXXX XXXX. 

Additionally, the loan which I received from Harley Davidson Credit was very unfavorable and the terms of the loan made it almost impossible for me to be successful. My interest rate was XXXX % and my monthly payment was {$470.00} over a XXXX period. At the onset of the loan, I questioned the very high interest rate based upon my current XXXX income and my debt to income ratios. I believe Harley Davidson Credit provided me with a loan product that was unsustainable and knew eventually theyd be able to recover their collateral and sell it for almost the same value which I paid. 

I am reaching out to you to request assistance in removing this item from all three credit bureau reports. This item is a blemish on my record and I believe had my income been examined more closely, it would have resulted in a payment that was affordable or the loan being denied due to lack of sufficient income. Unfortunately, this item has put me into a category which has led other creditors want to extend credit at very unfavorable terms. 

Please do not hesitate to reach me if you require additional details or further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: AES/PHEAA
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: Account status incorrect

Complaint:
To whom this may concern, I am a single mom making effort to correct my credit report. I notice the more corrections I make on my report the more false reporting has happened. For instance in XX/XX/XXXX, I went to get a new car and found out my XXXX XXXX XXXX XXXX was reporting 3 month behind on payment. When I paid them XXXX dollars that I found out that they apply it to the principle on the car and not to the payment. They were continuously reporting me late. I paid off the car three month early and they put on my credit report 90days late and paid. Which was not true. Another issue I have had with XXXX XXXX. I have secure credit card that I was never late on. They closed my credit card due to fraudulent behaviors and has been reporting on my credit since XX/XX/XXXX that I am 90 days late on a credit card in XX/XX/XXXX. Although, this credit card was closed by the creditor who refused to let me pay on the account. Last, my student loams that suppose to be deferred to XX/XX/XXXX are reporting late as well. My credit score is very low. This is making it challenging for me to get housing and transportation. That I worked hard to get .How can we stop companies from abusing innocent people credit report. I am a victim and I am asking for your help and assistance. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : Sequium Asset Solution account XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Information belongs to someone else

Complaint:
As of XX/XX/2023 Ive notice this fraudulent ACCOUNTS AND INQUIRIES this is a list below of fraudulent inquiries below 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: MS
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 did not authorize any of these inquires on my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing Credence Resource Management .This agency has re-aged this account according to the original creditors date of first delinquency. I am not certain of the exact date of the first delinquency but this account has been illegally re aged by XXXX different companies that I have found so far. On XXXX XXXX XXXX XXXX XXXX reported this same account as being opened with a balance of {$710.00}. XXXX XXXX XXXX XXXX reported this account as opened on XXXX XXXX with a balance of {$710.00}. XXXX XXXX XXXX XXXX XXXX reported this account as opened XXXX XXXX with a balance of {$710.00} but a high balance of {$570.00}. This account was removed from my report XXXX XXXX and then added back XXXX XXXX. And Now Credence Resource Management is reporting it as opened XXXX XXXX with a balance of {$710.00}. I have never spoken with any of these companies and I am just realizing that this has been happening and that I can dispute all of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Your credit decision was based, " in whole or in part '' on a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: MS
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 did not authorize any of these inquires on my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
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 status incorrect

Complaint:
I have tried years to fix loans being incorrect or delinquent. They closed the loan and keep bringing it back. Every XXXX months. That is not fair. I want the information correct and my name and address

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 2017-10-04
Company: Credit Plus Inc
State: MO
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:
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I do not recgonize these inquaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Collections Acquisition Company, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, a company by the name of Payliance added two accounts to my credit report for XXXX XXXX. I did not authorize or open these accounts and I was only made aware after receiving an XXXX alert on XX/XX/2022 that the accounts were added to my credit report. The accounts have an adverse effect on my credit report therefore I am working to get the reports removed and the accounts are being investigated. The original creditor is XXXX. The creditor on my credit report is Payliance. After speaking with XXXX, this is an XXXX XXXX  forum where my stolen identity was used. In addition, the impersonator is in MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation