BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Have a credit card through TD Bank N.A. 
Previously had to do split payments due to not having enough in cash. I did the reward application of cash back I stockpiled to pay half the bill in the amounts of {$61.00}. I then paid the remaining amount of {$70.00} with money I deposited into my checking account on XX/XX/XXXX by around XXXX XXXX 
This total was then {$130.00} which is great than my minimum monthly payment of {$100.00}. 
However, I was charged a late fee even though my payment showed as posted and pending and am now receiving calls to make payments on it. I called the company and was told I'd be forgiven and given a pass on this late fee due to the system not noticing I paid in full through split payments on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr.Cooper is completely negligent and in violation of RESPA guidelines regarding a loan modification request. At issue is the fact that Mr. Cooper ; 1. Keeps misplacing documents which is negligent and criminally negligent considering people are facing foreclosure 2. Continue to request information they already have already confirmed receipt of 3. Are completely disorganized and do not allow people to talk to the actual people handling the modification which creates obstacles to homeowners seeking to avoid foreclosure.

At this time Nationstar is in violation of RESPA guidelines for not acknowledging a complete package for modification which they have had in house since XX/XX/18. They are requesting a profit and loss statement which was never required as the homeowner is not self employed. It was merely offered as an option if homeowner did not receive pay stubs that showed year to date income and those pay stubs were provided on XX/XX/18. That means they have a complete package.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: U.S. BANCORP
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
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 leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I overnighted a check vis XXXX tracking # XXXX which paid off the lease in full in the amount of {$28000.00} and received a overpayment refund of $ XXXX shortly after the payoff. I have been waiting on the title since then. I have called US Bank XXXX times in the past month and they continue stating that they have communicated with the XXXX that the loan has been paid off and that they sent the Title on XX/XX/XXXX after many times of stating that it was sent prior to that date. After waiting another week, I called the Utah XXXX and they state that US Bank has not communicated with them that the loan has been paid off and that the title is still in the XXXX 's name. 

I am trying to sell this vehicle and without the title I am unable to do so. Every day this sits I am losing money as cars are depreciating daily. 

I really need this title ASAP and this is my last resort.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 : It also states a consumer reporting agency can not furnish an 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 : It also states a consumer reporting agency can not furnish an 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my XXXX XXXX credit card through 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 2022-07-02
Company: EQUIFAX, INC.
State: SC
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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Upgrade, Inc.
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Upgrade Bank advertises direct deposit capability on their XXXX XXXX account with a 3.5 % apy. Unable to set up direct deposit for over a month and a half and having repeatedly been lied to that since this is a new product, they are trying to iron out a glitch, Im finally being told today that direct deposit is not a feature available with this particular savings account and that I can only deposit funds via bank transfer. This is despite the fact that on the companys own website, there is an FAQ page explaining how to set up direct deposit on this type of account. When confronted with this discrepancy the phone representative mentioned that she would check with upper management. This is beyond deceptive and needs to be addressed to people dont open accounts and get misled by greedy banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I haven't had my credit report from Experian updated since the first of the year.i asked them to update it.they said they would but never did.XXXX   and XXXX.never had a problem with just experian.and I want to know why.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 ran my credit report on multiple different ones such as XXXX XXXX  etc. Transunion is showing XXXX XXXX XXXX  Original Creditor Name XXXXXXXX XXXX XXXX I don't recognize this account. It states it was opened XXXX and I did not open any account. Also there are inquiries in my report that I didn't do.

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 2022-04-25
Company: AMERICAN HONDA FINANCE CORP
State: DC
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate. 
They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : American Honda finance acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX  XXXX XXXX claims im XXXX as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late XXXX days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 


2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : American Honda finance acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX  XXXX XXXX claims im XXXX as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late XXXX days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Sunlight Financial LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX of XXXX  I had solar panels installed by XXXX XXXX, now XXXX XXXX. They processed a loan through Sunlight Financial to cover the amount of my panels. For the XXXX months that I have had the panels they have not worked. I have recording from my electric company, XXXX XXXX, that they have not received any power from our panels. I was promised that I would have a very small, and sometimes, no electricity bill. Unfortunately, that has not turned out to be true so I have been paying a normal electricity bill on top of a {$300.00} payment to sunlight financial every month. Months and months of back and forth with pink energy with numerous no shows for appointments to fix the problems and no solution in sight, XXXX XXXX has now closed its doors and filed bankruptcy and I am left in debt without a working panel system and leaking holes in my roof that is coming through my ceiling. I would like Sunlight financial to remove the panels and release me from my contract. I really hope there is a way to resolve this issue so my family does not continue to suffer. Thank you so much for your time and I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I Dispute this account to Experian, XXXX, and XXXX that this account dont not belong to me and I have no idea what what is this account. 

However the credit bureaus said the they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and How did they complete this investigation.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: SC
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 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: FL
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:
In, XXXX through XXXX, I reported information to each 3 credit reporting bureaus for removing negative items, on my credit report along with any thing that had been there for sometime, i a asking the FTC to remove this information or have those reporting agencies to remove and update my information as it reflect my response too these agencies 1.5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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:
In XXXX, I submitted a complaint ( Complaint # XXXX ) regarding credit inquires that were fraudulently and inaccurately reported on my consumer report including accompanying documentation from the creditors stating that they had placed a request to all bureaus to remove inquires. As of XX/XX/2022, the inquires still have not been removed and my consumer report corrected. I demand that this be addressed and corrected immediately as you are in direct violation of the FCRA.

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 2022-08-28
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ally Bank notified me that I will be penalized on XX/XX/2022 if I do not reverse the overdraft of {$80.00} that was fraudulently charged to my account by a tourism company. I have received numerous emails warning me that I must bring my account back up to balance. I disputed the transaction today. I have been unable to reach Ally 's customer service to speak to a human being about this matter. I am unable to log into my account on mobile due to their faulty app. I learned that there has been widespread fraudulent activity among Ally customers and I am confused as to why Ally has not been transparent about this information. They need to be penalized for their failure to protect banking customers ' personal information, and for their insistence on continuing to do business as usual without openly informing customers that this widespread fraudulent attack has occurred.

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 2022-09-22
Company: Continental Finance Company, LLC
State: FL
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:
XXXXXXXX XXXX  is engaging in unethical and deceptive fee credit practice with its ongoing monthly fees. 

I previously called Reflex over a year ago, I stated I did not realize the credit card company charged a monthly fee, ( it is not clear in the terms of agreement/its vague ) and requested the card be closed so I am not charged any fees. I was told they can not remove the fees ( monthly fee of $ XXXX ) because there was a balance. Once the balance was paid they could remove the fees. 

Now a year later, after interest is paid, and there is only a small balance of approx $ XXXX XXXX dollars, XXXX is stating they cant remove the fees and I have no choice. So XXXX has amassed over {$200.00} in extra fees while the account was closed, I paid interest and never again used the card. 

This is clearly a deceptive practice that is robbing the consumer of money. My account was closed and XXXX rightfully charged interest but ALSO a monthly maintenance fee. This is unacceptable especially after customer service stated I would be refunded once I pay off the balance due. Please feel free to have the company review the recorded customer service calls to verify these interactions. 

I am also led to believe ContinentalXXXX XXXX are aware I am a senior citizen and are eager to take advantage of such.

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 2022-04-25
Company: Fairway Capital Recovery, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
As of XX/XX/2022, I have received 5 phone calls from Fairway Capital Recovery within the last 4 months alone. During the first 2 phone calls, I attempted to make due and pay any debt that MAY have existed by asking them to mail me a bill from the original business that I supposedly owe money to. They said they would, but I never received anything. The next 3 calls this year I told them to either mail me the bill or to stop contacting me because this is harassment at this point. I should not have any outstanding debt anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had reported to chase that I had charges on my account for different amount on the same date and to the same company XXXX XXXX.which is a prepaid card. The transactions are XX/XX/XXXX XXXX XXXX  {$7.00} {$7.00} XX/XX/XXXXXXXX XXXX XXXX {$15.00} {$15.00} XX/XX/XXXX XXXX XXXX {$19.00} {$19.00} XX/XX/XXXX XXXX  XXXX {$31.00} {$31.00} XX/XX/XXXX WIRE TRANSFER MONEY ORDER {$100.00}. {$100.00} XX/XX/XXXX WIRE TRANSFER MONEY ORDER {$350.00} {$350.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX CA If this is a prepaid card how can I have a negative balance. 
Balance on XX/XX/XXXX {$67.00} {$1100.00} - {$1000.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I didn't make these transactions..

Company response to consumer: Closed with explanation