BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: COMMERCE BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is more of a general complaint towards commerce bank. 

Commerce bank engages in shady practices by not allowing users to enroll in auto pay electronically like 99.9 % of banks that do auto loans. 

When logging into commerce bank with your username and password, you can not make a payment with out entering your loan number. Your loan number is not disclosed in the online account or provided by their " secure message system ''. They will force you to make a phone call to customer service to retrieve your loan number. 

There are no payment reminders or anything by email, with the lack of electronic auto pay enrollment they are hoping you go past their 5 day grace so they can bill late fees. 

Even with ACH they charge you a {$5.00} payment processing fee to pay by checking account routing and account number which is not disclosed by the dealership to the customer when signing for the loan. 

All in all I've had maybe 60 auto loans in the past 10 years and commerce bank is the only institution I've found to engage in shady business practices to make paying your bill hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've tried numerous times to remove this debt that does n't belong to me from this company, diversified solutions. They sent back information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-08-11
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Only XX/XX/23 I agreed to a " catch up plan '' XXXX with ALLY AUTO to be made on the XXXX of each month starting XX/XX/23. On XX/XX/23 @ XXXX I made the agreed to payment of XXXX. ALLY AUTO cancelled my " catch up plan '' stating they tried to pull funds from my account and insufficient when I notified them I paid via debit card they then said because the payment was made after XXXX its considered the next day. No where in my catch up plan is it stated payment must be automatically drafted or that any payments made after XXXX are considered next day. When I asked customer service to speak to supervisor they declined and when I asked for my original " catch up plan '' to be upheld due to lack of transparency on their end ; they declined stating they could only mark me as applicable for future " catch up plans ''. This company needs to be federally investigated as they are scamming their customers! I am STRONGLY considering taking legal action into my own hands as I've had MANY issues with them of this is not resolved FAIRLY.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1973 Transunion XXXX XXXX XXXX XXXX , PA XXXX To whom it may concern, I was informed by your company ( Transunion ) that account # ( XXXX ) with XXXX XXXX was deleted from my credit report. 
I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the requirements of the FCRA section 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business after the Reinsertion or, if authorized by the consumer for that purpose, by any other consumer if Authorized by the means available to the agency I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this and I now reserve the right Pursuefor this clear violation of the FCRA! 
I demand that you immediately DELETE this Account from my credit report in order to avoid legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1973

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 2017-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When I log onto my Bank of America account, I can see in large, red and bold letters " 0.00 % promotional APR until   XXXX   XXXX   ''. This text is displayed immediately next to my balance details and this led me to believe I was under a promotional period until   XXXX   XXXX   XXXX  there is also smaller fine print that reads " on balance transfers completed by   XXXX   XXXX   XXXX   '' however, I did n't realize this was a NEW promotion. I thought this information pertained to my current account. Therefore, I was surprised to see interest fees on my  XXXX  statement. Apparently, my promotional period had ended the previous month. I was not alerted, reminded or informed the 19.74 % interest rate would begin. Otherwise, I would have paid off the balance in full to avoid paying the interest.   I tried calling customer service yesterday. I asked if the interest fees could be waived as a courtesy but my request was denied.   Since then, I 've submitted a payment for the remaining balance in full ( except for the inter est fees ).  as soon as the payment clears, I 'm going to close my BofA Checking and " Keep the  Change '' Savings a ccounts. i 'm also going to close this credit card account.   I have checking accounts with  XXXX  and  XXXX  and I have plenty of other credit cards to choose from. I refuse to do business with  BofA b ecause I believe the way they display promotions is misleading. I have attached a screen capture of the display and you can clearly see how I was misled into believing the 0 % promotional period was until   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 explanation
Consumer complaint received 2017-05-02
Company: United Acceptance Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
United Acceptance  is reporting this vehicle, which was a voluntary repossession, wrong.     They are showing a Balance of {$9200.00} and a  Past Due  of {$13000.00}. This makes no sense. We should owe the balance of what they sold the car for minus what we owed on it.   If we owed {$9200.00} then the past due MUST be less than {$9200.00}.   This makes no sense. Please have it report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I am writing to dispute a billing error in the amount of {$16000.00} on my account. The amount is inaccurate please look at the payment history that I have attached from  XX/XX/XXXX  to  XX/XX/XX . The balance remains the same no matter how much I paid ; I have made over payments and under payments and the balance remains the same {$16000.00}.     I understand I have a high interest rate however there has been zero applied to principle until recently     XXXX   XXXX   XXXX     payment is when finally payments started going to the principal balance.     I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.     Enclosed is a copy of my payment history supporting my position.     Please investigate this matter and correct the billing error total payments made  XXXX  on  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: OH
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:
Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : 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 explanation
Consumer complaint received 2023-12-19
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
We requested removal of PMI once we reached 20 % of the original loan amount paid off in XXXX of XXXX. We received a denial letter stating we had not met the principal required payoff amount, so the cancellation would require an appraisal to base it off of current value instead of the original loan amount. We then made additional payments in XXXX and XXXX to meet the requirements bringing as to more than 22 % paid on the original loan amount instead. 

When we requested the PMI removal in XXXX we received this response, " We are unable to honor your request to cancel the PMI for the following reason, an automated valuation model ( AVM ) for the property value is not available at this time. The investor, XXXX XXXX, requires that a valuation be completed to determine eligibility for early PMI removal. '' We are not requesting early PMI removal, we are requesting standard PMI removal once the 22 % paid on the original loan threshold was crossed. 

I called and spoke to a customer service representative at Freedom Mortgage ( who's ID # I retained for my records on XX/XX/XXXX at XXXX ). After waiting on hold while she reviewed our account, I was informed that what the response " actually '' meant was they were sending a form for us to complete to request the removal of PMI. Part of this request would include an additional fee of {$150.00} to have a XXXX agent come out and assess the property. Freedom Mortgage stated that because our mortgage is a XXXX XXXX XXXX backed mortgage, which until now was not disclosed to us, that this was mandatory. 

What Freedom Mortgage will not explain at this time is why this process is necessary, even though we have met the original loan requirements and filed multiple formal requests. Both the Freedom Mortgage and XXXX XXXX websites outline this process, and Fannie Mae is not able to enforce more restrictions on PMI than standard mortgage lenders. Until now our requests have been denied without follow up, other than telling us of alternative options with the XXXX. The last movement on this process was that Freedom Mortgage stated They would send the form, we would have to return the form with the {$150.00} and they would schedule a XXXX agent to come out and assess the property.

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 2022-10-26
Company: EQUIFAX, INC.
State: MI
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 DO NOT RECOGNIZE THESE INQUIRIES 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 2022-10-26
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Situation : As I was checking the credit report assigned to me by the XXXX XXXX XXXX and taking steps to see what I can do to build it, I noticed an account that was not mine. The name of the creditor who says I am in debt to them is XXXX. As spelled on my Experian report. According to the Fair Credit Reporting Act, 15 U.S. Code. 1681 Section 609 ( a ) ( 1 ) ( A ), Experian is required, through the physical verification of the original signed consumer contract, all accounts a creditor posts on a consumer 's credit report. Experian failed to do that. Experian is in violation also of Uniform Commercial Code 15 U.S. Code 1681b which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates, as I did not give them permission to furnish a credit report concerning this account. As mentioned above this account was not furnished by me to begin with. This fraudulent account has caused me time, money, and emotional strain in getting it removed as I have tried methods before reaching out to the CFPB for help and coming across Uniform Commercial Codes that protects me as the consumer. I paid for XXXX XXXX XXXX XXXX XXXX to dispute the account. Once I received correspondence back from XXXX they said they did their due diligence in proving I established this account with my credit. As stated in the law, XXXX was supposed to provide me with the physical original consumer contract, with my signature, and forensic accounting to validate the debt. They failed to do that. I called XXXX once I was educated through the law about credit reporting practices established by the government. Upon calling one of the representatives was unable to even locate the account that the company sent to Experian to furnish on my XXXX XXXX Credit Report. I asked why and she was unable to tell me. I asked for it to be removed and the rep told me it would remain on my credit profile for 7 years. Harming me. I am now here seeking justice for being wrongfully treated by 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 explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX and XXXX credit bureaus have been sent countless correspondence via phone and email regarding the inaccuracies on my credit report, yet they continue to report fraudulent accounts as opened. I have called both both credit bureaus and a couple of debt collection companies regarding these fraudulent accounts asking them for the usual verification, debriefing them about the accounts being open fraudulently, yet they continue to report them as open. I have issued these violators cease orders, yet they continued their attempt to collect. 

Below are a list of the companies in violation : XXXX XXXX : XXXX XXXX collections- {$130.00}, no verification of any kind of debt, cease and desist order, continues to inaccurately report fraudulent accounts. 

XXXX : XXXX XXXX XXXX XXXX- {$3300.00}, cease and desist notice, inaccurately reporting a fraudulent account. 

Sentry recovery and inc- {$1400.00}, cease and desist notice, inaccurately reporting a fraudulent account.

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 2023-11-25
Company: EQUIFAX, INC.
State: UT
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 XXXX Account # XXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. 

This account is not mine. XXXX  has stolen my identity by taking it from another company. I have no agreement with them nor have I ever contracted with them. They have been using extortion to threaten me into paying them money that I do not owe. 

I sent them a letter demanding that they also stop reporting this to CRA 's and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TD BANK US HOLDING COMPANY
State: TX
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:
There is a Credit Card company name " Target Card Services '' that is reporting a fraudulent account into my credit profile.

Company response to consumer: Closed with non-monetary relief