BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
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:
XXXX is still on my XXXX even though I provided a police report opened fraudulently and XXXX and XXXX XXXX are still on my Experian as well and they refuse to remove as well.

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 2022-02-07
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We engaged BOK FinanciaXXXX for an XXXX Commercial Property Loan to purchase a commercial property. We closed on XX/XX/2021. 

Since closing - A ) All statements / monthly bills are being sent to the wrong address. I requested a change of address in written format via the form provided by BOK Financial over a month ago. I received no confirmation that the change of address took place. 
B ) I have reached out repeatedly to the lender to provide online account access for monthly payments. BOK does not respond to my requests and nobody can even answer the question about whether or not online bill pay exists. 
C ) There are late fees being applied to my account. However, since I have no access to the loan documents online and all of my mail is going somewhere else, I have no way to monitor or dispute the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX my unit was picked up from my place of employment. I contacted the lender and they advised I was 54 days past due and because of a previous cease and desist - they could not contact me, and since I didn't call them they moved forward with an involuntary repossession. I questioned the cease and desist and why nothing would be sent in writing ... I was advised there is a full and a partial cease and desist and they have me as requesting a full. I requested the email request for cease and desist that I sent as well as the verbal request be pulled for review. I questioned there policy and procedure and how it relates to cease and desist and is there a required script. I was advised that while they are not permitted to make contact with a full cease and desist they do have to follow all state and federal laws so if a RTC is required by the state regardless of the cease and desist they have to send a RTC letter. So I am asking the CFBP to look into not only my concerns but take a closer look at bridgecrest and there repossession policy. I am asking that all calls made to me be pulled and a determination made if  FDCPA was violated with the amount of calls generated to me in the months of XXXX, XXXX, XXXX, XXXX and XXXX. I am asking that the CFPB specifically look into bridgcrest Cease and Desist policy and how it relates specifically to my account and not receiving a RTC letter. I would like the CFPB to look into how me speaking to them on XXXX in regards to warranty information on my unit, relates to no communication within 30 days and a repossession at XXXX dd. I also spoke to a rep on XXXX  who advised the locks on my unit were ordered to be changed by the tow yard and this would be an additional fee if done. When I arrived to the yard to pick up my items the manager advised bridgecrest would never change the locks on the unit because it is foreign in addition he showed me his computer screen, which showed all communication with bridgecrest and never was the locks being changed a conversation or request.  This is fraudulent behavior by bridgecrest representatives and only adds insult to injury. I have made a verbal complaint with bridgecrest, I have filed 2 complaints as of today with the BBB.  I will be filing a complaint with the State Attorney's office and will continue to reach for assistance until someone can explain to me how my rights as a consumer were not violated and or my vehicle is returned.

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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Good Afternoon, My name is XXXX XXXX, and there are XXXX hard inquiries on my Transunion credit file. The inquiries are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. I have called these companies, and they have told me that they have anything in their systems says that I applied for their services. I 've called Transunion multiple times trying to get these inquiries removed. They told me to call the companies, but this has not helped. I would like all of the inquiries removed from my credit file within 5 business days of this complaint. My phone number is XXXX. My email address is XXXXXXXXXXXX

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 2018-01-03
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I took out a virtual credit card with TD Bank that provides XXXX XXXX to buy and exercise bike. There was a 18 month interest free period. I went online to setup a monthly payment and they would not let me set up a fixed payment each month so that it would be paid off in full at the end of the period. I would have to login and make a payment every month. I think this is sharp practice in that they are trying to make it more difficult to stick to the terms of their interest free promotion and that they must allow customers to pay off debts within the promotional period. If I missed a payment or did n't pay off the amount by the end of the period I would be subject to nearly 30 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Pursuant to 15 USC 168 the the FCRA ( Fair Credit Reporting Act ) -XXXX, Transunion and XXXX has unlawfully used and or reported on my credit file causing great harm to my family and I. I have never authorized, by written wet ink, XXXX to furnish or report any information regarding my credit file.

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 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed accounts with Transunion and sent them a letter by certified mail on XX/XX/2019. The accounts in question were by XXXX and Transunion received the letter on XX/XX/2019. I received a response from Transunion dated XX/XX/2019, but the results did not include the XXXX account. It is now XX/XX/2019 and been over 2 and a half months without a response regarding the account.

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 2018-01-03
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a direct deposit from XXXX XXXX XXXX I it had a overdraft payment on it the total was XXXX was suppose to be sent to me in the mail in 6 days never showed up so on XX/XX/XXXX it was sent to treasury department and routing # XXXX acct # XXXX XXXX XXXX. Check number XXXX amount XXXX brinks meltdowns per paid card I have the XXXX XXXX card now and XX/XX/XXXX and still have n't received the funds and been to social security 5 times and to no avail no money yet

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 2021-12-28
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please see complaint # XXXX - XXXX. The company 's response to CFPB is that they will cease collection activity. I do not owe this. This is not my account. I want it removed from all 3 credit bureaus immediately. See below for the company 's response. 

XXXX XXXX, We have received your complaint and it is important to us. The CBE Group ( CBE ) submitted your complaint to our client and requested debt validation for the account placed in our office for collection. The requested information was received in our office and has been forwarded to you at the address provided in your complaint. We have also reviewed our records and there is no indication that CBE was notified of a dispute prior to this complaint being filed. Based on your complaint, CBE has ceased collection activity on the account. Sincerely XXXX XXXX CBE Compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-09-30
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:
Experian Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. Experian has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive.

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 2017-07-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 'm XXXX 2017, I was informed by NAvient, that I was being charged a late fee on top of my scheduled monthly payment 131 payment plan. On the recorded line I request that Navient change my due date from the XXXX of every month to the XXXX of every month. To match my auto withdrawal date on payment plan, So that I would n't incur a XXXX dollar late fee. I told Navient I would sue them for not doing as I requested because they are costing me more money than I need to pay. The supervisor XXXX told me he would fix everything by XX/XX/XXXX and credit my account for the past three month my account wrongfull inccured late fees, so I have to call Navient once more to ensure that this is done the first week in XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30
Company: Receivable Management Group, Inc. (GA)
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:
A collection account with balance {$0.00}, but still open.I aldeas y discussed this issue with Company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
This is a copy of my BBB complaint which I filed on XX/XX/XXXX of this year : Over a week ago, I let this company know that my pay dates were changing. They asked me to send a copy of my last two paychecks which I did after I got paid for a week on the XX/XX/XXXX. I let the company know that I only was paid for a week on the XX/XX/XXXX and that my full two week paycheck would be on the XX/XX/XXXX. I received an automated response stating that someone would get back to me. I waited and then tried to get onto their website to double-check the date. I could n't get on on Sunday ( I do n't know what 's with their site, it only seems to work on certain computers but that is another issue ) and checked the site on my way to work the following Monday. It still had the old due date on the site. I sent a comment to the company stating my displeasure with the change. I have used this company for awhile now and have never had an issue with them until now. Later that day I received an e-mail that stated : " Thank you for choosing CashNetUSA, America 's trusted online lender. We have received your request. This email is to confirm that your pay frequency has been updated to biweekly, beginning XX/XX/XXXX. To adjust your due date, please respond to the following as soon as possible. '' I sent a response the same day then inquired about refinancing. I did not receive a response on that subject but when I went to the site to check my options, it allowed me to schedule a payment for XX/XX/XXXX. I did a refinance but the due date showed as the XX/XX/XXXX but I assumed this was an error due to the response I received on my e-mail. However, when I checked my bank account this morning, I show a withdrawal for {$270.00} which I do n't have and this is the sort of trouble I was trying to avoid by letting the company know in advance the change in my pay dates. Since then, I have had two e-mails from their collections department regarding my failure to pay on the due date ( XX/XX/XXXX ). The first one was this Monday and I explained that I had filed a complaint with the BBB regarding this incident and the second e-mail was today ( XX/XX/XXXX ) stating that my account was past due and I need to make a payment as soon as possible. Clearly they have ignored my complaint to the BBB just like they ignored my informing them of the change to my pay days and I am not happy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was approach by a scammer on XXXX who said she could get me a government Grant. All I had to do was get Google play card witch I bought two XXXX dollar ones. They got the numbers from the back of the card and took it. This happened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicing transfer in the middle of a loan modification : I submitted in a timely fashion a complete loan modification / loss mitigation application to my then loan servicer Ocwen who acknowledged receipt thereof ( loan modification application ) then transferred my loan to PHH - which, to date, I did not receive status of my previously submitted loan modification, no single point of contact, and I still have a foreclosure sale date of XX/XX/2019 looming ( dual tracking violation ) PHH is violation of both Federal and California homeowner protection laws and doesn't seem to care. I want to be given my legal right to save my home - please help. 

This is NOT a duplicate complaint. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: OR
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 XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XX/XX/XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/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 2017-07-26
Company: EQUIFAX, INC.
State: OR
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 XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XXXX XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. XXXX  and XXXX has removed this incorrect information from my credit profile. Transunion has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.

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