BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The three major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

Transunion : XXXX ) XXXX XXXX XXXX XXXX  ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX BANK ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX -XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX SERVICES XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX BANK ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX SERVICES XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX  ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).

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 2016-04-15
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit card for 2 years, recently fraud relent charge was charged to my account. I disputed the charge the first claim was approved but the charges was put back on my credit card. I 'm receiving illegal charges to my credit card without explanation, my XXXX messages for the claim adjuster has n't been returned. The 4 messages to the claim supervisor XXXX has n't been returned or the request for a manger call back has not been received. The second fraudulent claim has been denied, become my home address and the fraudulent charge are with a XXXX mile radius. No research was conducted, I have victimized by this company. This company should be federal investigated for security and credit fraud. I do n't make the any of these fraud relent charges. I believe the bank or credit card companies has n't properly secured, an one of their employees has used this account. 

I received additional charges for late fees, membership fees and interest charges associated with the fraud relent charge. This is a moneymaking tactic to illegally collect money. I have no ideal about the fraud relent charges, the research has n't been done. I spoke to XXXX, the owner of XXXX of location for the fraud relent charges, he state the credit card was called in to the location. But, speaking to the credit card company, they 've stated the credit card was present or used similar to previous purchase process. It does n't make any sense, this company has evident that no continuous fast food charges are made throughout any month during my account history. This company is make it easier for criminals then every.

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 2016-07-07
Company: Alliance One, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AllianceOne contacted me in XXXX for a debt to XXXX. I made payment arrangements to pay off the balance from XXXX of XXXX to XXXX of XXXX ... completed the payments and paid off the balance. In XXXX of XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
See letters sent

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 2016-10-26
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a promotion with CitiBank to open a bank account, keep a XXXX balance for 30 days and then receive a {$400.00} bonus. I completed the steps and was not provided the bonus award.

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 2015-09-19
Company: Monterey Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Bought a timeshare through XXXX XXXX while under the influence. I emailed them to cancel it within the 120 day period and it was being disputed. Did not have any contact with debt collectors, assuming that this was taken care of. I tried to get a mortgage, and found out through a credit report that they had filed to collect once again. I only found out through the credit report about the collection. I still have not received a phone call, email or even a letter telling me I still owe them money. It has been in dispute all along.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX XXXX. was sold to a company called SLS, LLC. Since the onset in XXXX 2015, it has been a nightmare. 1. I could not get my mtge. paid to XXXX as I got the notice after the XXXX of XXXX 2015. I went to XXXX to make my regular mtge. payment and they could not accept it but also, could not tell me my new account information. 
I got the SLS info when I returned to the stack of mail. I called them and they did not have an account # assigned yet. I sent the payment in ( late ) and that has lead to a whole set of problems. 
The current situation is they have stopped sending me a monthly remittance/advice to use to send in a payment. I have been just sending in the check and using the account information given. I have just received a XXXX statement dated XXXX on the day of XXXX in todays mail! It is asking for XXXX on a mtge. amount that is XXXX, they have had it XXXX since day XXXX. 
What I need to happen:1. Who holds my mtge. 
2. I went through the HAMP and for the next 5 years I have a mtge. that can not be changed and/or sold. How did this happen? 
3. I want XXXX to take back the mtge. from SLS, LLC4. SLS has a unscrupulous reputation - how are they allowed to operate? 
5. Is there a class action lawsuit pending against SLS? 
6. If not why and when can I start one? 
SLS loan # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, CT XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint is against XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX operating as Fidelity Investments and their credit card issuer ELAN FINANCIAL SERVICES. 
Background : XXXX 2016 Fidelity switched credit card providers from XXXX XXXX card to XXXX managed by Elan Financial services. 
XXXX XXXX, 2016 - Cancelled a prepaid XXXX rental car for {$230.00} and received cancellation confirmation # XXXX. XXXX confirmed that credit was issues to the credit card company. 
After several attempts to resolve, Elan representative recommend that I open a dispute to resolve the issue. Claim # XXXX. 
XXXX 2016 A provisional credit was applied to the account while dispute was conducted. 
Received request from Elan to submit a copy of the cancellation. Mailed to Elan on XXXX XXXX, 2016. 
XXXX 2016 Provisional credit was removed by Elan. The response I received from the Elan dispute team was that the cancellation confirmation paper work was not received. 
Re-sent a copy of the cancellation paperwork on XXXX/XXXX/2016 On XXXX/XXXX/2016 received another request for paperwork. Third copy was sent on XXXX I have made at least ten calls into Fidelity and Elan to try to resolve this issue without success. It is being managed by XXXX with the Disputes team, although follow-up has not been forthcoming. 
It should be noted that I closed my accounts with Fidelity in XXXX and XXXX 2016 because the company no longer allowed independent financial advisors to manage investment accounts. Also, this was an account in good standing for the entire duration of the relationship with Fidelity.

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 2015-04-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle from Toyota Financial and returned it. I went to great lengths there would be no surprise fees associated with the return of the vehicle. Today I was contacted by a collection agent attempting to collect on Toyota Financial 's behalf over a {$510.00} fee associated with the lease return. 

Toyota Financial has had my phone number and email address since the inception of the lease. They made no attempt to contact me about this fee via those mediums. They claim to have sent a letter to an address of a rental property I own but no renter has ever reported having received mail addressed to me. 

I told Toyota Financial if the fees are legitimate I have no problem paying them but would like them to remove the collection from my credit report since I made every reasonable effort to ensure there would be no such " hidden '' or " surprise fee ''. They insisted they could n't remove the collection from my record because they would n't be in compliance with the CFPB. 

My desired outcome is to have Toyota Financial remove the collection from my record. I 'm willing to pay the fees if they can provide me a statement indicating the legitimacy of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered an online personal income tax software package from XXXX XXXX XXXX XXXX on the XXXX website on XXXX/XXXX/16 using a US Bank Credit Card for {$27.00}. I never received the e-mail with the download code, so I could never gain access to the tax software. I contacted XXXX & XXXX XXXX, XXXX and US Bank in order to get the software or get a reversal of the {$27.00} charge on my credit card. All refused to assist me in getting the software or a credit. US Bank gave me a credit on XXXX/XXXX/16, but then reversed the credit on XXXX/XXXX/16.

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 2016-08-16
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Law office of D. Scott Curruthers has been contacting me about a debt that is unrelated to me. They have been harassing me as well as other members of my family. The apparent debt allegedly has to do with my brother. If there is debt to be collected by someone, you call that person. My father, mother, step mother as well as myself have been contacted by this agency. I believe it 's illegal and also unprofessional to disclose debt information to someone that is not involved with the debt. I 've demanded that they stop calling but all I get is a voicemail. Please make this stop!

Company response to consumer: Closed
Consumer complaint received 2016-12-28
Company: U.S. BANCORP
State: SC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Our credit card with US Bank was subject to an account takeover. Someone posed as my husband added their name to our credit card. Apparently this person had the last XXXX of his SS # and used that to change our email address and telephone #. The customer service rep made the changes and US Bank never emailed us to verify these changes or at the very lest let us know this had occurred On Fri pm we received a UPS delivery and to our surprise it was our credit card # but it had someone else 's name on the card. The card had a {$15.00} fraudulent charge so that the card could be expressed mail. Immediately we called US Bank and they told us our account had been taken over. The bank removed this {$15.00} and locked the account. At the same time the bank transferred the charges to a new account. The bank would not give us any information about the person who committed this identify theft. The next day we reported the incident to our county police department and we sent the police report to US Bank. Approximately two week later I called to check on the status of the investigation. US bank denied receiving the police report even though I mailed it certified return receipt requested. That was not true because I had my copy from the US Post Office, After numerous telephone calls with fraud dept and eventually the Office of the CEO I was told that if I wanted any information I must get a subpoena. I paid the account in full and the next day I sent US Bank a letter requesting that they permanently close both accounts and never solicit our business or allow anyone to pose as us to gain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This letter is to complain about the ill treatment that I 've received from US Bank when I applied for a refinance of my original home mortgage that I had with them. I was lied to about how much I could refinance my home for. The original loan was a VA loan which guarantees the loan XXXX %. I 'm a service-connected XXXX veteran. I was told by US Bank Rep that the VA only allowed a refinance of only XXXX % of the market value of my home. I thought this was strange so I contacted the VA and they told me that statement was not true. They gave me a link to go and said share it with the lender. The link stated that VA guarantees XXXX % of new purchase and refinance if the veteran is credit worthy. When I mention this to the XXXX at US Bank she then said it was " company policy '' not to lend more than XXXX % of the market value on refinances. Yet, the VA was still guaranteeing XXXX %. I sacrificed my life for OUR country and was injured in the process. Yet, US Bank felt the need to restrict my benefit and hold me down. For what reason??? The only reason I feel this was down is because of my race, gender, marital status, age, and zip code. When the Rep did not change her position on the XXXX % after I reminded her that VA guarantees XXXX %, I realized something was not right. I told her that I no longer desired to do business with US Bank. Then I get a letter in the mail which really angered me. It was from US Bank and it stated that they was denying my request to refinance my home loan due to " Lack of Collateral ''. This made no sense at all. My home is my collateral. Luckily for me, I found a financial institution that refinanced my home loan, a few days ago, at XXXX % and I even received a better interest rate. I did n't have to pay any additional fees either. They only looked at the market value of my home and my ability to repay the loan. They would have also paid for the appraisal if US Bank had not already made me pay for it. And, they honored my service to this country which I 've helped to defend so that they could do business. No one came up with some arbitrary XXXX % to try to exclude me from a benefit that I earned and deserved.

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 2016-05-12
Company: U.S. BANCORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my auto loan in full n XX/XX/2016 with US Bank. I call in to their Auto loan department and when it asks me for my last XXXX digits of my social security number, it finds a mortgage account and takes me to their department. They have tried to transfer me to their auto loan division but I am asked for my social and get transferred back to their mortgage department. I am now two months into having paid my car loan in full and they have in all likelihood sent the title to my old address. There is no US Bank location within XXXX miles of my location ( per their website ) and I cam unable to contact them via phone. Meanwhile, somebody else has the title to my car and can now legally sell it without my knowledge. My address was current in their system since my new condo is financed through them. I would caution anybody from having more than one type of loan with US Bank.

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 2016-05-26
Company: Exeter Finance Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have recently purchased a new vehicle from XXXX. The loan was financed through Exeter Finance Corp on XXXX/XXXX/2016, and they starting blowing up my phone today XXXX/XXXX/2016. When I say blow up my phone I mean XXXX phone calls within a 3 hour span, and 4 of those calls were within 12 minutes. I was in a Managers meeting with my job, so the phone was on silent, and they avoided leaving a voicemail. So once the meeting was over I called the number to see who was calling me, and it was Exeter Finance Corp. I just signed my loan less then a week ago and my payment wo n't be due until XXXX XXXX 2016. So why would they need to call me that many times in one day? I feel as if this is a huge form of harassment, being employed by a finance company myself I know what is illegal. Just got another phone call at XXXX after I already called them to notify them that I did n't want phone calls. They did n't ask me for my number when I called in, but they have caller ID as well as number notifications when calls come in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Toyota Financial services holds the loan for my car. XXXX XXXX XX/XX/XXXX ) they called for collection and I couldn't speak to an agent. I called them back at XXXX XXXX on XX/XX/XXXX. I spoke to an agent and did not catch her name, however they said all calls are recorded. The agent informed me that this was an attempt to collect a debt. She proceeded to lie to me about what I owed. She said I was one payment past due when I was really two. She told me my next payment was due on XX/XX/XXXX when in truth it is due on XX/XX/XXXX. This felt like Toyota was lying in an attempt to trick me into defaulting on my loan. I called back afterwards and spoke to a supervisor at XXXX on XX/XX/XXXX. She confirmed that I was correct and that i was 2 payments overdue and my next bill was on XX/XX/XXXX. She could not tell me why the XXXXXXXX XXXX lied about how much I owed or how they would resolve the issue. They said I can expect to year back in up to XXXXXXXX XXXX. I really feel like this was a trick to get me to default on my loan. Now I can not be sure of anything toyota financial says. I would like this remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has been paid in full and they are still reporting negatively to all XXXX credit bureaus. status on my credit reports say closed ; paid but is still in negative status. when I called XXXX and XXXX, I was told that it was not them reporting it negatively it was the company reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation