BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I went to check on my TCF savings account and found that my online login no longer worked. I called customer support and they have no record of my account. 

I went to the branch, who also had no record of the account associated to my name. After finding the account number from an old paper statement, the branch was able to locate the account as 'closed '. The documentation ( attached ) showed it was moved to a dormant account status in XX/XX/XXXX and then drained month after month until the balance reached XXXX. This was handed over only after the 3rd trip to the branch and 3 phone calls.

All of these was done without any notification ( email, mail, or phone ). TCF claims their policy is to call multiple times and send notifications through the mail. None of this occurred. I have requested copies of these notifications and have not received anything after 1 month. I was coerced into getting paperless statements and the last statement I had received was prior to any account deductions. 

The account had {$120.00} and I am seeking to get those funds returned to me. A banking institution can not be allowed to silently and secretly steal money from its clients. The bank seemingly hid statements and communications while they siphoned money from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX This is my original complaint number. Since my complaint PHH Mortgage has transferred my loan to XXXX XXXX. They called me today with a loan specialist. This person continued to give me invalid information of my last conversation. They said they were trying to get me to the escalation desk, which nobody has even told me it existed.. They have also moved the transfer date from XX/XX/XXXX to XX/XX/XXXX after the CFPB initiated the complaint. I need help before they transfer their negligence and maybe even fraud for property to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 an 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 moreover 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 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 2018-07-06
Company: AMERICAN EXPRESS COMPANY
State: DE
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 my personal info was compromised, my American express plum card was taking over by a XXXX XXXX, fraud charges were made on account, my address was also changed, I called and reported the breach to American express and changed back the address the account was closed. 

they credited back the XXXX charges in XX/XX/XXXX and in XX/XX/XXXX put bck the charges and when I called them they told me they sent letters to me to the fraud address and I did not reply so they closed the fraud case and put account into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: OH
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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: MA
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 reporting an account on my credit report that should not be there. XXXX and XXXX have removed the account, but it is still reporting on Experian. I have proof attached that XXXX ( their collection agency ) does not report on credit and should be removed within 30 days. I also have a copy of the most recent credit report I checked on XX/XX/22.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit report per TransUnion. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-05-20
Company: Credit Karma, LLC
State: IN
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: Problem getting your free annual credit report

Complaint:
For several years I have not been able to cash a check in my name even though i give the correct SS. I have tried for three years now XXXX to check my credit score through credit karma, XXXX  XXXX, and XXXX, and every time i fill out the information regarding me it asks about accounts being opened in my name which i have never opened. And when i put none, as in i have no recollection of opening the accounts, it says that my identity can not be verified. And i know for a fact i have never opened up anything in my name because i just got my first apartment in 2020. When i have also put forgot username or password on one of those sites it had email that was not mine, XXXX, and mine is XXXX that was linked up to one of the accounts. So i do believe there is someone who has opened up accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: IL
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:
have contact all 3 major credit bureaus and XXXX XXXX in regards to account being invalid reporting late payment I have a letter from company it has been submitted to all 3 bureaus and they still refuse to remove late payments. I have never been late my loan with XXXX XXXX is current and paid as agreed since I entered contract up to this date of XX/XX/18. would like credit bureaus to remove late payment remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
on XXXX XXXX XXXX I paid XXXX to Great lakes to payoff my Student loans for XXXX College for our one semester in Spring/Summer of XXXX XXXX XXXX XXXX XXXX XXXX Has been closed Since XXXX of XXXX Because of the 48 hour special We would like Great Lakes to Return Our Money Since This School XXXX College Never fulfilled their obligations For their Students Thank you for your time and hopefully for your future Integrity..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2022. A certified letter was sent to Experian referencing the information reporting on my consumer report that accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX as inquiries that were not authorized. As well as the account for XXXX XXXX XXXX. I received an email in response to its closing of the investigation but to no resolve. I also made reference as a reminder of { 15 USC code 1681b- Permissible of purposes of consumer reports ( a ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written the instructions of the consumer to whom it relates. }

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 2021-02-18
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello there, Im having a problem with Arvest bank that they charged me unauthorized overdraft fees for transactions that made from my account and been covered. Arvest Bank claimed that even the pending transactions that already covered by available money in my account can be overdraft charged because the last transaction I made, made my account negative. So any previous transaction can be charged overdraft fee even the money was taken from my account and my account was positive ( covered ) all the purchases just because they were pending regardless of all that. I called the bank many times and I talked with many persons like XXXX, XXXX, and XXXX who did not help me at all and did not allow me to dispute these fees or open any fraudulent case. XXXX claimed that the bank doesnt have fraudulent department, and I was shocked because what I knew most if not all the banks in U.S. are under FDIC. But I understand of them they dont want to help even after I made everything clear that its the bank mistake and doesnt make any sense to be charged for transactions that I already paid money for them and my account was in good standing ( positive ). So Im seeking help from you.

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 2018-02-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act,  all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had XXXX XXXX as my electricity provider. When another resident went to move out and call XXXX to transfer/cancel service from XXXX some how XXXX took my apt number and turned off my service with them. I did not authorize this and I was not moving and or switching service to anyone else. XXXX then turns around and informs me all total charges and my balance billing charges had to be paid upfront before I could continue my service with them. I spoke to supervisor after supervisor I've filed a complaint with the XXXX. I am still currently working with XXXX  on trying to from a resolution to this mix up and error that had occurred. Because another resident who was moving out gave the wrong apt number. Today this date I still have not been told by anyone or any collection company about this account going into collections I've never received any type of notices or anything about this account being charged off and sent to collections. But the collections company who took this account has decided to place this account on my credit report without giving me notice and or validation and before a resolution being provided by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Mercedes Benz Financial Services
State: FL
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 been a with MERCEDES-BENZ FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/2018 I requested a payoff amount on my auto loan through Credit Acceptance Corp, in XXXX Michigan. They faxed it to me, I then worked w/ my hometown bank to get a lower interest rate. 

On XX/XX/XXXX my bank sent the requested amount ( attached is the check ) Credit Acceptance cashed the check on the XX/XX/XXXX of the month. I spoke to them on that date and they said there was a {$10.00} balance that they would just get rid of and close my account. 

I thought the matter was closed. 

On XX/XX/XXXX I received a " hit '' to my credit report, as did my husband, who is also on the account for the car. 

I called Credit Acceptance and they said there was a balance and I was late for the payment ( according to documents attached, my payment is due on the XX/XX/XXXX of the month. 

I told them I was told by them they were going to get rid of the {$10.00} and close the account, clearly they didn't do that. They agreed to the wipe of money but then I asked what about my credit hit I took. They stated it was a valid dock on my account because I was late. 

If that were the case, I would have given them the {$10.00} that moment, but I do not deserve such a hit to my credit nor does my husband. 

I am unable to help how quickly they cash a check, or receive by mail. My bank sent it in time.

Company response to consumer: Closed with explanation