BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
This was previously disputed. 
The dispute was resolved. 
Reporting as paid/closed. Paid as agreed. 

Lease is from XX/XX/16... Almost 7 years ago. 
This should not be reported as adverse information on any credit agency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: M&T BANK CORPORATION
State: PA
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:
Received Debit card in mail from M & T Bank over weekend tied to an unknown checking account ending XXXX. Contacted M & T Tuesday morning, XX/XX/XXXX and was transferred to their Fraud division. Per their request provided them with debit card number, and gave them last four digits of CHK account number of XXXX which was on the form with the new Debit card. Informed them that I had NOT opened up an account with their bank and did not want this card activated. XXXX in the Fraud division said that he would close the account immediately. But he also needed MY personal info to authenticate that I was ME. Provided my mailing address. He also needed my social security number and birthdate. Gave him last four digits of my social security number, and while extremely reluctant to share, he also needed my birthdate. In order for him to give me more additional information, I had no choice, and in fact he said that all of my personal data was used to open the account. He confirmed there was {$0.00} in the account ; the account was opened online on XX/XX/2023, and that the Bank automatically closed the account on XX/XX/2023. He had no additional information to provide like the actual location or state where the fraudster opened the account. This should be fairly simple for banks to data mine this info, along with email addresses provided when opening the account, along with IP addresses. He also confirmed that M & T does not have banks in my city. He reassured me that the account was closed, and confirmed that a record of our conversation would be noted on this fraudulent account. Question remains as to how fraudster got any of my personal information as I shred everything.

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 2023-02-26
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : FAIR COLLECTIONS & O # XXXX, Account name : XXXX. DATA XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2023-10-23
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
TD Auto Finacial was sent a request to send a lien release for a XXXX XXXX XXXX XXXX. TD Auto Finance sent a paper copy of the Lien Release with a postmark XX/XX/XXXX. TD Auto Finance however refuse to remove the Electronic Lien and Title Release with the Department of Motor Vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 company have violated my consumer rights. Under the FCRA 15 USC 1681 section 602 states that I have the right to privacy as a consumer. 15 USC 1681 section 604A also states that a consumer reporting agency can not furnish an account without my consent or willing instructions. Furthermore, under 15 USC 1666B section A, a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Capital One - made reports of late payment about my open-end credit card account in the months of XXXX and XXXX for the year of XXXX ; in XXXX late payment reports were made for the months of XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a letter in the mail XX/XX/2019 from PHH Mortgage Services stating they have been bought out by XXXX XXXX XXXX XXXX and that I can update my privacy preferences by calling XXXX. When I called the number it did not allow me to update my preferences and I could not speak to a person. Next, I called PHH customer service and asked for someone to update my privacy elections. I was given the number XXXX which is a fax number. PHH customer service rep told me he can not update my privacy elections on my behalf even though I gave him sufficient verification that I am the correct person. There is a form on the letter that I can mail in ; however, if both phone numbers given to me by PHH dont work why should I expect that they will process a mailed in form correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please delete these accounts as they are fraud. I have included the identity theft report. Please also remove the fraudulent inquiries and update my address to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Fraud Accounts that should be deleted. 

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 non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: CA
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:
The account " XXXX '' XXXX is a fraudulent account so I disputed it with the bureaus XXXX and Experian multiple times. 

These bureaus claim they have verified the information is accurate, however one can see by looking at the reports this is not true as the " date opened '' information is conflicting. 

The " high balance '' is also conflicting The " date of last activity '' is also conflicting, so there is no way possible both bureaus verified the information as accurate. 

See a recent copy of my credit report reflecting these inaccuracies attached. 

To add insult to injury, I have submitted a copy of my identity theft report ( attached ) to these bureaus twice and they still report the erroneous fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: BOK FINANCIAL CORP
State: OK
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:
Garnishment stopped on Case XXXX on my wifes account, XXXX XXXX XXXX took garnishment on my account, and i closed the account, now they are garnishing my wages over fees charged to an account i have not used in years, they disharged the garnishment on my wife, why are they taking money for a case that was discharged XXXX Why am I liable for a case that was discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2019-07-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
WHEN CHECKING ON A NEW ISSUE [ XXXX XXXX XXXX XXXX ] TRANSFERS I CAME ACROSS ANOTHER FROM XX/XX/XXXX [ SUNTRUST ] ... THEY STATED THAT THEY HAD INDEED CLOSED MY ACCOUNTS AND REFUNDED MY FUNDS .... SADLY [ ..AS I JUST DISCOVERED TODAY XX/XX/XXXX ]. i HAVE NEVER RECEIVED THOSE FUNDS FROM SUNTRUST ... WHAT HAPPENED TO THEM! I NEVER RECEIVED NOTIFICATION FROM THEM VIA E/M OR USP MAIL THAT THEY WERE REFUNDING MY FUNDS THEY STILL HAD. WHAT HAPPENED TO THOSE FUNDS. ... IS IT TOO LATE [ TIME LIMITATIONS ] TO EVEN REQUEST INFORMATION OR CONFIRMATION ... I ( XXXX XXXX NOR MY DAUGHTER XXXX. XXXX ] HAVE EVER RECEIVED THOSE FUNDS. SHOULD SUNTRUST SHOW PROOF ... CHECKS WERE NEVER RECEIVED NOR CASHED! 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 2017-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong address on credit report. I have never lived in XXXX XXXX, KY.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already paid off my debt to XXXX, so I no longer owe him any money. Although I called XXXX and requested an update on my credit, they advised me to wait for about two weeks for the credit inquiry to be removed. I have diligently made all the necessary payments to XXXX XXXX, even though I was only late for one payment. However, despite my timely payments, my XXXX and equifax report still shows that I owe a debt, which should have been closed weeks ago according to XXXX. Additionally, every time I contact XXXX, they ask me to wait and now they are blaming XXXX for this issue. Unfortunately, this situation has negatively impacted my credit score, so I have decided not to borrow from XXXX anymore if this continues to be the case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I opened a new XXXX XXXX XXXX account at BMO Harris bank using their website directly which had advertised a signup bonus of {$300.00} after a direct deposit of {$4000.00} in 3 months. It's been over 3 months and I have received direct deposit of {$4000.00} in my bank account. But the bank says that my signup bonus was declined because I used the wrong promotional code while opening the checking account. However, I opened the bank account directly using the link from the bank promotional page where the promotional code was pre-applied so there is no chance of using the wrong promotional code with the type of checking account I opened. My sign up bonus was therefore declined as promised.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: MN
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I filed complaint against Navient for they did my payments and called my job. Filed another on XX/XX/XXXX for their new hidden fees etc. For the current problem I filed for U.S. Small Business Administration disaster assistance loan in XX/XX/XXXX due to Hurricane Michael in XX/XX/XXXX got my reply letter back XX/XX/XXXX said ( denied ) due to my Unsatisfactory history on a federal obligation on line number 4 it say include documentation showing Navient Student loans have been paid in full or proof of satisfactory repayment agreement. I was so angry, Navient know I dont have no federal loans with them. All my federal loans were always current. I reported this to the XXXX   there ( Navient ) responded? Thank you for reaching out to the XXXX with your concerns regarding your private loans. We never report your private loans as federal loans but if you want to settle your debt for a payment in amount of {$11000.00}. If you are interested in learning more about this option, please contact XXXX XXXX directly at XXXX. They do hard credit inquires when can do a soft. This the third time a loan just for one thing can't explain because I can't my credit report and I don't see it only if you are doing a home loan when that underwriter pull it. Right now, XX/XX/XXXX I did VA refinance loan that information came up it still been report by Navient to the credit agencies on me that I owed Navient federal student loans. Navient need to be fined they know I dont have none them. Just to destroy her credit and she pay us. It must be nice to be in partnership with the federal government to collect money for them and investors really thats a lot of power for one company privilege- Navient. Other servicing company don't have authority to do these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America wrongfully Whitheld credit card and opened account without my consent BANK OF AMERICA Account number XXXX Account type Secured Card Responsibility Individual Date XXXX Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXX Credit limit {$500.00} Highest balance {$630.00} On record XXXX XX/XX/XXXX nd appears in my credit report like miss payment I had to full this amount This practice Has damage my credit report and Bank Of America since XXXX Close my Checking Account and Credit Card I paid in full and Dispute in all credits bureau

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 2021-12-15
Company: EQUIFAX, INC.
State: MD
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, 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:
I sent letters out certified almost 40 days ago and have not been notified. I dont understand why they do not follow the law. I feel like these clowns taking advantage of normal people.

Company response to consumer: Closed with explanation