BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: TD BANK US HOLDING COMPANY
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On TD Auto Finance website when you select single payment there is one line that reads Personal Checking Account Info : however no where in the terms and conditions does it state all transactions that are processed will be ran hard coded as an ACH checking transaction. Over the phone for single payments representatives ask if the payment is coming from a checking or savings account. If you setup the payment online to be recurring it gives the option to choose checking or savings. By allowing consumers to choose checking vs savings for over the phone but only allowing the consumer to choose if it is done as an automatic payment is deceptive. Hiding the wording in the title does not in fact change the responsibility of TD Auto Finance to disclose in their terms and conditions that all transactions submitted using the one time use payment function will be ran hard coded as an ACH Checking transaction. TD Auto Finance by running this transaction hard coded as an ACH Checking account despite the account being labeled as Savings in the description caused a {$25.00} courtesy pay fee on my checking account. On XX/XX/2021 I spoke with an agent and then also a supervisor in their customer support area regarding the online payment. Both agents did not feel there was an error made on TD Auto Finances side as there is the one line that states Personal Checking Account Info where you input your data. I disagreed and asked to file a complaint. On XX/XX/2021 I spoke with an agent in the complaints department who agreed with the other two agents that their website is clear that it would be pulling from a checking account. The terms and conditions that I agreed to state they are authorized to pull from the account number and routing number provided. The account the payment was pulled from was in fact a different account as the account number provided was my savings account number, however, due to TD Auto FinancXXXX hard coding the transaction as a checking account it was incorrectly routed to my checking account. The agent I spoke with in the complaints department confirmed that even with that being said their website is clear and no error is made. I asked for TD Auto Finance complaints agent to place their response in writing however he declined to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I lost my job and called all my cresit card companies to pay them off in full. I explained that I will not be able to pay anything so I wanted to pay anything amd everything owed. I took a loan out to do this in the amounts given. I paid them exactly what I was told was owed. I now see interest fee 's on all 3 accounts from Chase bank. All other creditors are exactly as we discussed. I was also told they were waiving 1 month of interest in tje amount of {$100.00}. This still has not happened. I've spent countless hours on the phone with them. They trasnfer me back and forth and have continued to make promises not kept! I'm frustrated. I would've made different choices had this been brought to my attention. I know they say all calls are recorded. Its all there in the recordings I do not have access to. Please, please help me. I know it may not seem like a lot but to someone who has no income, who chose to pay my bank credit cards off first it is a huge deal. Its very upsetting the way they talk to you, tell you what you want to hear then ask for a great review at the end of the call and make false promises. I can try amd print the statements and send them to you so you can see. It was showing a XXXX balance on 1 card XXXX, chase and then all of a sudden it was nearly {$1200.00} owed. I had not used it but for an ac repair of XXXX and when I asked how {$400.00} turned into XXXX I was told pending transactions?! I didn't have any since I had paid the card off. The last time I used the card was over a week prior for a vending machine while I was in the hospital. That is not {$1200.00}. Now when I try to print my statements its a blank screen. I need help amd don't even know what questions to ask aside from " where did this amount come from " again I was told pending transactions, that do not add up to that amount. If I could please get your advice and some assistance. This bank has made a fortune off of me. I was always on-time with my payments. I had auto pay set up until XXXX. I have paperless and it will not allow me print my statements!?!??? I can't even take a screen shot of it. I put the last 4 of all 3 account below. I do not have 2 of the cards. I cut them up some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These collections were not properly validated by the belongs properly by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
With LoanDepot they are forcing users to go online to service their payment method. I do not agree to have things done electronically, thus they're violating the esign act and should service my account over the phone rather than requiring that I service myself online for things such as updating a payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07
Company: Credit Karma, LLC
State: KS
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 have used XXXX XX/XX/XXXX XXXX XXXX to file my federal and state income tax for several years This year, XXXX XXXX offered free services with Credit Karma for the purpose of monitoring my credit reports. I decided to sign up for an account, using my email address, XXXX. This has been my business email address since 1997, and is associated with my XX/XX/XXXX at XXXX. I attempted to set up an account using that address, but Credit Karma responded that an account was already established under that email address. I thought I had perhaps set up one previously, so I clicked on the " forgot password '' link. A reset link was sent by Credit Karma to XXXX, with the salutation on the email being " Hello XXXX. '' I have no idea who XXXX is. I tried to reset the password. Year of birth and last four digits of my social security number were required, but when I attempted to reset the password, the program replied that someone else had already established an account using my email address. I immediately contacted Credit Karma, but was told that if I wanted to create an account, I would have to use another email address. I told them that the address already in use was mine, and that I had never authorized anyone else to use it. The response was the same -- that I would have to set up a new account using a different email address. I want to make it clear that this email address belongs to me, and if someone else is using it, they have stolen my identity, and Credit Karma is complicit with this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
NOT MINE
SICK FOR AN ENTIRE YEAR WITH XXXX  -

Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  Phone number
XXXX XXXX  
Is everything correct?

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 2022-10-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
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 AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} PENTAGON FCU XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name PENTAGON FCU Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r

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 2022-07-18
Company: Experian Information Solutions Inc.
State: CA
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 XXXX  has Reported late Payments to my consumer report which was done against my consent and Not accurate information Which are Both required by Federal Laws. The Negative late Payments has caused an adverse action on my consumer report resulting in a XXXX point decrease in credit score as well as being denied recently for an auto loan. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the late payments removed and updated to my report as Paid as agreed. 


XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my Consumer rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 15 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )

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 2023-09-09
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As I viewed my credit report I noticed some inaccurate reportings on it from the creditor. This inaccurate information is hurting my payment history and in turn bringing my credit score down and blocking me from providing the financial freedom my family deserves.I emailed the creditor and asked for a payment history and for this to me resolved but i got no response.

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 2022-07-19
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis sent a public record of a bankruptcy to the credit bureaus and are now stating this public record has been removed from my consumer report. I requested to review my updated consumer report and in XX/XX/2022 Lexis nexis sent me a letter with a pin to access the reort and the PIN didnt work. I called and spoke with a rep at lexis nexis and she was going to mail me another letter with a pin. XXXX I received a letter again with an incorrect PIN so I have not been able to access my consumer report to verify the public record has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the XX/XX/XXXX I sent TransUnion a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by TransUnion on Tuesday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with TransUnion for months information has surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. A FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers license with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving.

Today is day 5, I have not received any corespondents from TransUnion of them blocking this information. This is a violation.

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law.

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against TransUnion.

**see affidavits attached**

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXXDefamation of Character ( per se ) XXXX.Negligent Enablement of Identity Fraud XXXXFair Debt Collections Practices Act 15 USC 1692 G violations XXXXFair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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 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 2023-09-09
Company: EQUIFAX, INC.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report on my credit report the XXXX XXXX account # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated this account and found that it was open fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed Equifax to remove this account from my credit report due to this fraudulent activity. Unfortunately, Equifax continues to list this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: OR
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: Their investigation did not fix an error on your report

Complaint:
Credit bureaus reporting inaccurate information on my credit report regarding closed accounts and balances. Acct name : XXXX. My account is paid/ never late and closed which is accurately being reported by XXXX. However, XXXX and Equifax reporting charged off and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shortly after getting my mortgage with Santander Bank, I set up automatic payments, for the 15 year loan. They worked well without a hitch. Then, without notification, they stopped before the final {$23.00} was paid off. I received no notification that this was happening and it took me a full year ( thinking I had paid the loan in full and was just waiting for the paperwork ) before I contacted them and found out that they cancelled the auto-payments and since they cancelled them, and didn't notify me, I became behind on my payments and was subject to monthly property inspection fees of {$15.00} per month, totaling {$190.00} in fees. I filed multiple disputes with the company but they said that they " tried '' to reach me and couldn't. My primary residence had moved, but I set mail forwarding for a full year and all of my other banks were able to get reach me during that time. Additionally, I received no mail sent to the property that the mortgage was for - a seemingly basic attempt to try to make contact. When I contact Santander, I asked that I be allowed to bring my loan current by paying the {$23.00}, but they said the only payment they would accept would be for the {$23.00} plus all fees, and that if I didn't pay that, I would continue to be charged additional inspection fees.

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