BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
Company: U.S. BANCORP
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I submitted final payment via US Bank App. 2 weeks later I receive a letter that there was an issue and it was returned-no explanation. I called and was told a payoff can not be made via the app and I need to either wire at my expense, mail a check ( no address provided ) or go to a branch. And it takes 2 weeks to process-Why are they making it difficult to pay off and I et additional interest charges-Every other payment can be applied and via app but not final?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
An unauthorized charge appeared on my credit card statement. I contacted the credit card company on XXXX/XXXX/15 and XXXX/XXXX/15. They said they would reverse the charge and investigate but the charge has not been reversed on my account. 

The charge occurred on XXXX/XXXX/15 and the description is www.logmein.com

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have emailed and called Lending Club over 7 times asking for a change in the payment amount due to unexpected financial disasters. One I lost income due to a XXXX and two the coronavirus. They have refused all options and yet email me saying they have a " hardship '' program. I ask them about that and they say I do not qualify and that is offered randomly to some customers. 

I recently emailed them several times to discuss specifically the changes if less income due to the coronavirus pandemic and they simply send an email stating that due to this " coronavirus '' their response time is later than usual but never respond. However they are sending payment reminders and I was late XXXX and they called repeatedly demanding payment. They are out of control. I simply want to lower my payment amount to about half until this situation resolves. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello ... .My name is  XXXX   XXXX   .  I live at  XXXX   XXXX   XXXX   XXXX  Ma.  XXXX . I have a complaint regarding th e Sears branch of Citibank credit  card. The bank has been holding back checks that have been sent to them for payment that have been well within the due date and thus the next bill has late fees and fines. This happens continuously so that the consumer never has a chance to " catch up '' the fees just continue and the balance actually grows. I have always been a good customer of Sears for the las t thirty years  and had never encountered a problem like this until recently. I thought it may be an isolated issue but after speaking with my husband who has his own credit card account with them have come to find that he has been having the same problem. I did some online research and found hundreds of very similar complaints from other customers. Because of this behavior on their part, I am paying off the entire balance in full via certified letter so that I will have proof that they received the last payment well within the due date. My request of you is that someone in your office please do some research regarding the aforementioned complaint and any other complaints that you may have received about Sears credit card. What they are doing maybe legal but in no way is it ethical. I do n't think it should be allowed as I may be lucky enough to have the monetary resources to rid myself of them but others without the financial ability to do so are basically enslaved by them in a " company store '' manner. This type of a financial con game is completely and utterly unacceptable in this day and age.     Sincerely,  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 2016-05-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
FCRA 623 ( a ) ( 5 ) States that the original creditor ( TDAF ) is required to accurately report the DOFD separately to the CRA ( XXXX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. TDAF acted as was both the original creditor and collector for this account. 

The vehicle was repossessed in XXXX, XXXX. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. The specific key point in my account is that this charged-off account became delinquent XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. 

TDAF has misinterpreted FCRA 605 ( c ) and failed to accurately report the DOFD as mandated by FCRA 623 ( a ) ( 5 ). 

Attached is copy of the Account History provided by TDAF, copy of XXXX Investigation Report and a Certified Mail Receipt copy of my dispute to TDAF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Citi Double Cash Card.  I received my last statement balance on XX/XX/22. On XX/XX/22, I made a change to my AutoPay settings, and received a confirmation of this change via email. I checked the website as well and the new settings were visible. On XX/XX/22, an AutoPay amount was withdrawn inconsistent with the AutoPay settings change. On XX/XX/22, I asked the customer support agent why the amount withdrawn was inconsistent with the settings I have in place. After 45 minutes, the support agent said " it takes XXXX billing cycle to get change effective. '' In my opinion the terms suggest the change is immediate : " I authorize Citibank, N.A., to initiate electronic payments from my chosen bank account, and I authorize my bank to honor the withdrawal. 

This authority is for the amount and dates indicated, and is to remain in effect until cancelled by Citibank, N.A., my payment account financial institution, or me. I can cancel AutoPay by calling customer service or by visiting autopay.citicards.com before XXXX ET on the day of my AutoPay payment. '' Nowhere in the AutoPay website or confirmation email does it suggest the change is only effective on the next billing cycle. I have not found any documentation of this other than the support agent 's word.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THESE ACCOUNTS DO NO BELONG TO ME, PLEASE BLOCK AND REMOVE ACCORDING TO 15 USC 1681C-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with TD Auto Finance that was taken out in XXXX XXXX. My payments began in XXXX XXXX. I am enrolled in the auto-pay feature on the TD Auto Finance Website. Since the loan was originated and payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX I have not received a single account statement via mail or able to access statements online when I login. I called into TD Auto Finance on XXXX XXXX, XXXX and was told that since I am enrolled in " auto-pay '' they do not send statements nor are statements accessible online. This is absurd. As an account holder and payor I should be able to access my account statements at any time. They said if I wanted statements I would have to call in every time to request them. Why should the benefit of receiving or accessing an account statement be removed if a payor is enrolled in auto-pay? The auto-pay is a benefit to the creditor as they are more likely to get payment on time. As a consumer I feel like my account data is being kept from me in hopes that I will miss a payment so that additional loan fees, interest and penalties can be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was denied the opportunity to open a joint bank account at XXXX XXXX XXXX XXXX with my husband because of derogatory information reported to them by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: GREAT LAKES
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My additional loan payment was incorrectly applied despite my explicit instructions to allocate 100 % of my additional payment to the loan with the highest interest rate. I made an additional ( extra ) payment of {$180.00} on XXXX/XXXX/2016, which I specified be 100 % applied to loan token # XXXX. The amount applied to principal was only {$200.00}. On XXXX/XXXX/2016 I also made an additional payment of {$180.00} to that same loan ( # XXXX ) and the amount applied to principal was {$200.00}. 

As is typical for any loan, the payment amount applied to principal increases as the loan matures. This can be confirmed by referencing the amortization schedule for the loan. 

Please explain how I am making additional payments and the amount being applied to the principal is less than the month before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
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:
THESE ACCOUNTS DO NO BELONG TO ME, PLEASE BLOCK AND REMOVE ACCORDING TO 15 USC 1681C-2.

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 2018-01-12
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To whom it may concern, hope you are well, I not sure what had happened with my monthly payment back in XXXX as you could see in attached file, I truly apologize, I realize how big impact this makes on my credit score in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: Experian Information Solutions Inc.
State: NJ
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:
There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  ) I was never late on these accounts and should not have any late paymetns.

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 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   )  I was never late on these accounts and should not have any late paymetns.

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 2020-03-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2015-06-30
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have attached a detailed letter outlining the issues along with the appropriate paperwork. 

But basically, XXXX XXXX XXXX had a promotion, XXXX months same as cash. Furniture delivered would n't fit, manager agreed to allow me to return it. I wanted to return right away so I would n't be billed, and to ensure I could find something else I liked. He asked me to hold it in my home until I picked something else out and they would pick it up when they delivered the new furniture. This all happened about XXXX weeks later. I immediately shrink wrapped the cloth sofa and ensured that no one would sit on it since it was being returned. The same day I finally received my furniture I was billed at the same time and I have been trying every since then to explain I should not have been billed for the original furniture that they agreed to have returned but who also told me to keep in my home. 

Secondly, as I began to complain that I was billed incorrectly as I never took possession of a bed ; that the billing due date was not correct it was associated with the original furniture ; and that they had been charging me late fees based on the original due date ; I eventually had a collection agency calling me and finally they sent derogatory alerts to the credit bureaus stating I was XXXX days late each time. 

I was told I had to file a dispute which I did in XX/XX/XXXX and this process has continued with no resolution. 

I met with the store manager and he agreed that there was an error they still showed that I was responsible for a bed that I never took possession of. But he told me he could n't do anything about it. 

I never received anything about how this loan process would work, penalties, etc., until finally after my visits back at the store, my disputes filed twice, the repeated phone calls to XXXX XXXX XXXX Corporate and finally a company called TD Retail Services which the actual loan was processed through ( which I was never told ) this TD Retail sent me paperwork on XXXX XXXX XXXX, 2015 outlining the details of the loan. Had I know the loan would not be with XXXX XXXX XXXX, I would have never taken the loan and/or furniture. They totally deceived me. 

I felt they sent this on XXXX XXXX, 2015 to cover themselves. 

I felt the entire process was deceiving by XXXX XXXX XXXX. I do n't trust XXXX XXXX XXXX nor this company and I really do n't want anything to do with any of them further. 

I requested several times to speak with someone to address these concerns but all I kept getting was I need to go back to the store ... and the store needs to correct everything. The store kept telling me I need to go back to this TD Retail Credit Card company. Forget XXXX XXXX XXXX XXXX, they simply did not want to get involved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Support Collectors, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a car from XXXX XXXX XXXX in XX/XX/XXXX. I returned the car on XX/XX/XXXX and went over it with the agent at the airport and everything was fine and he gave me my receipt- there was no damage to the car. About a week later I received an email from XXXX asking me to file a damage report because there was damage to the car. I filled out the report stating that there was absolutely no damage to the car upon returning it. A few months later I received a bill for over {$800.00} for repairs. I emailed and called XXXX with no resolution. I asked for time stamped photos as well as where the car was from the time I dropped it off until they claimed there was damage and they refused to provide the information. They did send me a photo of a scratch on the car and then a bill for XXXX hours of labor and glass repair!!! Today I received a notice that they turned me in to collections for not paying their bill. The collections agency keeps calling me demanding payment. I explained that I was not paying because I did not damage the car. After searching the internet, I found that there is a class action lawsuit against XXXX for fraudulent damage claims as well as hundreds and hundreds of complaints from other consumers that have had the same type of fraud and sent to collections. I have attempted multiple times to contact XXXX XX/XX/XXXX claim department and I can not get a human. It is obvious that this is a common fraud scam by this company and now it has impacted my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have student loans which I believe were with Great Lakes. Recently, I have been receiving calls from XXXX stating all of my loans are in default and threatening me with garnishment of my wages. I told a family member who advised me I would have qualified for a deferment however, I was never notified of this. Great Lakes had my personal information. 
I attempted to speak with Great Lakes today about why these loans went straight into default and they refused to answer at all. Further, they refused to allow me to speak to a supervisor or anyone else there. I called the Dept of Education and they suggested I call Great Lakes also and stated they are the ones who should answer the question as to what happened, but had no further information to guide me as to what to do.

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