BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint against Td bank, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request to Td bank, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Td bank. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference.

I believe that Td bank 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Td bank with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Td bank be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company is contacting random 3rd party people from work and relatives via phone and disbursing my personal information illegally about a debt. Asked to cease and desist contact, but went ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Every single month we have to call Newrez numerous times to allocate our payments correctly because each time, they do not apply our payments and we are almost late due to them putting all of our payment into principal only, thereby leaving the payment due for the month unpaid. We have to sit on the phone for hours ( while trying to work our jobs ) to get them to apply the payments correctly. I have repeatedly requested I have the ability to apply my payments how I want them ( correctly ) via their online portal, but to date they have refused to allow any consumer to allocate their own money. This is an ongoing problem that Newrez has failed to resolve. We did not choose them ; Newrez was acquired by XXXX, whom we never had any problems with. Now we have to constantly worry about taking many hours out of our time at our jobs to call them and that our credit will be ruined because they are inept and refuse to do a thing about this. None of my ( nor anyone else 's, as MANY complaints exist on this company ) complaints about this have ever been addressed successfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card and debit card for XXXX accounts that I didn't open. The company ( Chase ) close the checking account and credit card. They also sent written confirming information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was directed to this website in regards to a Wells Fargo settlement for customers who have had car loans between XXXX and XXXX. I am writing to see if I qualify for a potential payout since I had an auto loan through Wells Fargo during this time period.

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 2023-10-13
Company: General Motors Financial Company, Inc.
State: MI
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, this creditor has violated my rights under 15 USC 1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a XXXX card account under an open and consumer credit plan as late FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After closure of my account, this bank is refusing to send my remaining balance as told to me by XXXX XXXX XXXX  They have claimed to be unable to reach Dept of Us Treasury, to verify my deposit. It has passed the timeframe given and after several attempts to rectify this situation, I am still unable to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I viewed my XXXX, XXXX and XXXX consumer report and located a negative credit report from LVNV FUNDING LLC XXXX XXXX RESURGENT CAPITAL SERVICES L.P. On XX/XX/2023, I sent a notice of dispute, debt validation and cease and desist to the debt collector to communicated with me thru mail only. On XX/XX/2023, RESURGENT CAPITAL SERVICES L.P. sent me an alleged statement to validate the alleged debt. Unfortunately, a statement is not validation or verification of the alleged debt. In a communication dated XX/XX/2023, they sent me what seems to be a debt validation letter which seems deceptive to me as the debt collector has all ready taken adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Attempted multiple calls to NELNET and unable to get anybody on the line. Their website states I must call to receive login information, and I can't pay without logging in. I am sending a letter today requesting administrative forbearance due to incorrect payment calculation ( ~ $ XXXX ) when the fed loan calculator states my payment should be $ XXXX based on my tax returns. NELNET is grossly mismanaging accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was sent in response to notices sent to me about this debt without VALIDATION. I have not received a response with validation for me to investigate within the 30 day window and it has not been removed from the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: REGIONS FINANCIAL CORPORATION
State: SC
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:
As per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information 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. 
It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-08-09
Company: Experian Information Solutions Inc.
State: MD
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
After several attempts to pay the debt, the XXXX  card account was closed therefore i CANCELLED the XXXX payment. Every month they try to debit WITHOUT my authorization the balance owed. Surprisingly, yesterday my job deposited my paycheck and without authorization, they debited the amount for the balance owed. This transaction was not authorized, the recurring payment programmed for this account was cancelled months ago.

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 2023-10-14
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: SYNCHRONY FINANCIAL
State: GA
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:
I called Synchrony bank Mastercard at XXXX. I spoke to XXXX in the fraud department. I advised her that there was an inquiry on my XXXX credit report dated XXXX from Synchrony that I didnt authorize and that I suspect fraud. She asked for my social, address and phone number. She advised that there was an attempt made and that she will report this as an attempt I didnt initiate. She advised that they would contact the credit bureaus but that it may take up to 60 days to resolve. My credit score has been affected and I would like this inquiry deleted as soon as possible.

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 2023-10-14
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a loan for new car XXXX XXXX XXXX since XX/XX/XXXX by XXXX month, when the pandemic arrived they extended the by XXXX  month and my loan end on XX/XX/XXXX included the payment and interest every month, but the company refuse to release my title. I paid all interest of the loan with late payment because the company never help me to put one payment on the final loan, mess my credit without any consideration. After that, I fixed to continue to make my payments, Now the company take advantage from the COVID-19 to charge more interest of the interest that they took from the loan. I hope to find justice. 
Honda financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Westlake Services, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a car in XXXX XXXX, and it is financed by Westlake Financial. They called me and my employer numerous times, to the point I had to tell them I would be written up because due to confidentiality we are not allowed to receive personal calls in the job. They continued to call. They requested all types of documents ( that I did not have to provide when purchasing a home or any other vehicle before )! 

My payment is due on the XXXX of every month, but I have a 10 day grace period before I am late. However, on the XXXX they begin harassing me and will call my phone 3-5 times or more everyday!! I have told them I am NOT allowed to receive personal calls on my job and to contact me by email or postal mail & ONLY if I am past due ( after the XXXX )! I have NEVER been past due & they still call back-to-back!! Ive tried blocking them and they will call from various numbers, now early in the mornings or late at night ( even on Saturday & Sunday )! I have asked my car salesman to trade this vehicle or refer me to someone for refinancing because I have NEVER been harassed by anyone like this before!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was making payments on time but I was involved in a car accident and I tray to negotiate with them I I told with them about my situation but they didn't work with me also they send my to collection I didn't think is fair becouse becouse I dint have income even for my self and also I didn't have enough money to pay the amount they want to pay to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 alleged account were not mines and identified as identity theft

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 2023-10-15
Company: Credit Karma, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit karma has my social security number attached to someone else 's name and I am also unable to get into my account. I have have money received from school Grant 's starting from XXXX  to XXXX. I also have tax information filed that I'm unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a credit card account with chase bank the was closed due to payment issue. But i paid down full amount on the time. My credit score is outstanding im trying to apply for a credit card with chase and its denying.

Company response to consumer: Closed with explanation