BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account was in forbearance. Made bulk payment when payments resumed to bring account current. Timely monthly payments made for amount due, although escrow change led to deficit on one months payment leading to late charge. And 'incomplete payments ' ( b/c of the late charges that should have been reversed ) keep being placed in unassigned bucket and subsequently put toward principal, wiping out the monthly payment made in full. Called, and was escalated for correction, since I have monthly payments on autopay, and not direct withdrawal from their bank. I have contacted them on 3 separate occasions, one manager listened to previous calls and agreed that charges were inappropriate and 'escalated ' to correct department which would in turn contact me no more than 30d later. Problem persists. Menacing letters monthly and no solutions provided when calling customer service. Managers don't follow up and everyone states there is no contact they can provide to give you the opportunity to follow up. I would greatly appreciate someones help with this and would welcome speaking with anyone at the bank who has the authority to correct this issue directly. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
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:
Was removed as an authorized user. Still shows on transunion and XXXX. Please have this updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MA
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 applied for borrowers defense thru the department of education. It was approved in XX/XX/2023 and refunds were sent out. Along with getting a refund for money paid towards these loans the loans are to be deleted from my credit report. I've contacted XXXX directly multiple times by phone and email they refuse to delete the loans on my credit report. They in fact started emailing me demanding payment after I submitted my approval application letter. They call me every other day demanding payment as well. I tried to dispute it thru credit reporting companies and they still refuse to delete it. They've now added comments to my credit report stating the loan is accurate and it's in deferment that's now messed around with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in letters regarding inaccurate and unknown things on my credit report on XX/XX/2023. To this day, almost 60 days later, I have not received a response yet. My information was included in the XXXX XXXX XXXX. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. According to 15 U.S Code 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to the law, a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: JPMORGAN CHASE & CO.
State: NJ
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:
accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX giving me opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXX Bank reporting to damage my credit reports

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 2018-10-24
Company: FIRST HORIZON BANK
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have two issues. I wasnt sure which on to pick. I am the co-signer of a siblings car as of XX/XX/2016. We with through a car lot XXXX XXXX or XXXX XXXX in XXXX NC. 
The lender is XXXX XXXX who has sold 3 times and now loan is under First Tennessee Bank 1st thing I was misled. They ensured me that I would be dropped from the car loan after six months. They even read a part of the paperwork in a misleading way as though it wouldnt matter about her payment history which I have consulted with credit advisors and they were lying to get the sale they lied about the process of being dropped off the loan just to get the sale. They are located on XXXX in XXXX # XXXX I reached out to the creditors with a good will letter over 3-5 different letters and emails trying to explain why my sister would have been late on payments. She deals with bipolar and sometimes everyday life becomes a task where it affects her work and she may lose employment. The letters go to no avail no one either reaches out to me or contacts me back or they email with hopes of getting back to me and never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Trans Union file # XXXX, is reporting the following fraudulent inquiries XXXX. XXXX XXXX  XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX dated XXXX XXXX XXXX, 2023.

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 2020-07-20
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is my THIRD complaint regarding Paypal/Synchrony Bank. It appears they have straightened out the {$170.00} error but my monthly payment is still incorrect. My monthly payment should only be {$110.00} per my statement/Easy Payment Purchases yet I continue to be charged {$140.00}. This is the FOURTH MONTH in a row that I am bring overcharged!!! I have called and left messages and no one is returning my calls to get this matter taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, I had gotten a notification from Wells Fargo saying if I authorize this transaction of XXXX to reply Y. I opened up my Wells Fargo app to see what was going on and saw a transaction from XXXX. I immediately called Wells Fargo to cancel that transaction but they were nothing but rude saying they couldnt do anything. They made me do a claim, waited 12 days for a feedback and nothing. I got denied because they said I authorized this transaction when I didnt cause it or approve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Scott Fetzer Financial Group Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Originally was a door to door salesman offering a home care system for {$1700.00}. Once I received my first invoice the price was almost at {$3000.00}. They said I had a 30 day time period to return which I called and spoke to a manager about refunding the product and canceling the agreement since it was within 7 days of purchase but no one would pick up the product or answer my phone calls for returning. I have sent countless of letters to this company about this situation and they choose to ignore it. 

I was unrightfully charged way more than I agreed to and they lied an ran my credit without permission. I would have never agreed if they were going to run my credit when I specifically asked several times and they prompted that my credit was not apart of the process but it is showing up on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Nelnet, Inc.
State: TN
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 am submitting this complaint because NELNET has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA.

I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. 
The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX  XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. 
I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. 
Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: PR
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:
They stole my identity and opened accounts which I am disputing and requested an independent investigation which they did not send to me and they did not delete the accounts from my credit report. These are the accounts Name XXXXXXXX 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 explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Experian has not investigated my complaint and has refused to remove these inquiry 's from my report. They refuse to provide proof of investigation and the time limit has passed. 
To date you have not done your duty as mandated by law. You'r non-compliance with federal law is unacceptable, you'r disregard for it contemptible. Rest assured I shall hold you accountable. Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see15 USC 41, et seq. ). I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collector is violating my rights by continuing to report false and inaccurate information on all three of my credit reporting agencies. I was forced into a settlement with this company due to them using scare tactics. this collector whom I have never signed a contract with has been reporting inaccurately on my reports and continues to report to the reporting agencies unauthorized by me the consumer. I never gave them permission to report anything that has to do with me to a credit reporting agency. resulting in the defamation of my character and contributing to the denial of products that I am currently applying for.

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 2023-05-21
Company: Self Financial 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:
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 : also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE TRIED NUMEOUS TIMES TO RECEIVE MY SETTLEMENT PAID LETER FRO LVNV RESURCHANTS CAPITAL XXXX WHICH HIRED AN ATTORNEY XXXX XXXX XXXX TO COLLECT THE DEBT. I SETTLED THE ACCOUNT WITH THE ATTORNEY. THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORTD AND ALSO REMOVED FROM ANY JUDGEMENTS. HOWEVER RESURGENTS CAPITOL REFUSES TO ISSUE ME MY SETTLED IN FULL LETTER 3 TIMES WHEN I CALLED THEM IN XXXX EVEN THOUGH THEIR OWN ATTORNEY HAS RELEASE OF ANY OBLIGATION From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX Subject : XXXX : XXXX matter # XXXX I JUST CONTACTES RESURGENTS CAPITOL AND THEY STILL REFUSE TO ISSUE MTE A SIF LETTER AND REPORT THIS TO MY CREDIT REPORTING AGENCIES BECAUSE THEY STATE THAT YOUR FIRM STILL DID NOT RELEASE MY INFORMATION TO THEM WHICH INTIL THEY DO THEY WILL NOT ISSUE ME ANYTHING AND THEY REFUSE TO CONTACT YOUR FIRM TO VERIFY THIS INFORMATION. I HAVE PAID AND DID MY JOB TO SETTLE THIS I SHOULD NOT BE GOING THRU ALL THIS AGGRAVATION FOR SOMETHING I TOOK CARE OF. I SENT A COMPALINT TO CFPB AND THE FTC BECAUSE NOTHING ID BEINF DONE TO RESOLVE THIS MATTER WHICH I HAVE DID MY PART TO FOLLOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Loqbox US Inc
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Wanted to build credit and looked into Loqbox for a secured credit builder loan. Filled out all information online but after submitting application changed my mind and did not send any money to the company or have any money debited from an account to secure and start the loan. Have disputed multiple times with all 3 credit bureaus regarding account was never opened as Loqbox continues to mark my account with 30 and 60 day late payments and acct closed after. There are different date if last activity on all 3 credit reports, one open status, 1 closed, and 1 paid. Payment hx are all different as well with payment is current... .This account should not be on my reports as it was never opened. I never physically signed with my signature permission to activate the secured loan. Says original balance is {$600.00}. How can I have a balance without securing the loan with my money? The late payment remarks are hurting my credit terrible for a loan I never had.

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 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 capital one online banking XXXX they are holding my money i was robbed at XXXX XXXX I'm having trouble getting my id and documents i have explained this to them them my old job even did direct deposit so i can get funds however they still haven't helped me i know is their policy but i have tried everything and have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: MO
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:
Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( XXXX, Experian XXXX XXXX ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information.

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information

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 2022-11-04
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank and mortgage company are merging. 

I do not have online access to make my mortgage payment. Calling on XXXX number just says to hold for hours on the phone. Just get continuously told to hold on for next rep. No rep comes on.

Company response to consumer: Closed with explanation