BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am currently in the stages of disputing 2 ATM transactions- third party ATM. The 1at incident the ATM machine went into collaboration a phase and no monies dispensed i waited and tried it again I received my money. Yet my account showed 2 withdrawals when in actuality I only received money from one transaction. I called TCFs customer service number and was told the transaction should fall of as it is in pending status. The transaction did not fall of and I called back opened a dispute. I received a provisional credit a few days later and a letter from TCF about a week after they which stated TCF is investigating this dispute and you will hear from us by XX/XX/XXXX. A few weeks after opening the dispute I had the same issue. I called TCF and this time even while the transaction was in Pending status the representative opened a dispute. FIRST fact 2 identical issues 2 different processes. 
On XX/XX/XXXX I called for an update on my 2nd dispute. I have not received any communication nor have I received a credit. I am not rich and depend on my money to survive. On XX/XX/XXXX around XXXX central I spoke to a representative in the customer service department who called the dispute team and told me on a recorded line ( TCF pulled the actual call and confirmed their own representative said that ) you will receive your provisional credit today and if you do not call us back. I have not received the credit and called at around XXXX central time and was told that I will not be receiving anything and the prior representative provided me inaccurate information. Not one team lead would escalate not one had any compassion nor any remorse for the actions of their own wrong doing. I could not find a corporate phone number or a corporate email for an escalation / office of the president. Please tell me which honorable, customer based, loyal, company would not provide this information to the public or have it listed on the web? 
What made me write this review is that today the initial provisional credit has been deducted making my account negative that exact amount. I called the customer service number and was informed that a letter was mailed on XX/XX/XXXX but wait I was on the phone with several representatives XX/XX/XXXX no one advised me of any such finding. Letter from TCF dated XX/XX/XXXX, envelope stamped XX/XX/XXXX, and received at the USPS XX/XX/XXXX. I have the proof in my hands. 
I forewarn other hardworking individuals to avoid TCF at all costs- this is not a legit financial institution. This bank discriminates against customers and has no skills to work with the public or be trusted with money. You have been warned- watch out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have  Navient as my loan  servicer. I have repeatedly over the past few days attempted to make a payment online but the website kept citing an error and logging me out of my account.  <P/> I instead had to deal with the inconvenience of calling a representative during my workday and being on hold. The representative was friendly and helpful but I should be able to make the payments online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Chime Financial Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021, I requested that chime close the credit builder account immediately. I made the request via chat agent 3 times and then also on the phone. The account is still open and they continue to refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: ERC
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have filed a dispute before regarding this issue with XXXX previously in XX/XX/XXXX for XXXX and they have sold my info again to another debt collection agency by the name of Enhanced Recovery XXXX ( ERC ). I filed a dispute XX/XX/XXXX and the item was deleted and removed from my credit report on XX/XX/XXXX for XXXX. I received a alert from my credit bureau regarding this issue XX/XX/XXXX for the same issue and I do n't have any knowledge of this account. ( XXXX & XXXX Credit Reports )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When i had XXXX in XXXX of 2013 i was told that the Care Credit loan was interest free for the life of the loan NOT that it was for a promotional period. the loan changed over without warning and they tacked the interest on the back end of the loan. I want to pay what the balance would have been at the point of turnover. but i will NOT pay the interest. I feel this was a " bait and switch '' deal on the part of Care Credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2022, I mailed XXXX, XXXX, and Experian to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.

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 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted several disputes to the XXXX credit reporting agencies XXXX, Transunion, and XXXX over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, payment was mailed to original creditor and they returned check by mail and in XX/XX/XXXX they informed me to notify collection agency. I then mailed collection agency 3 payments totaling the full amount. Each check included pay to delete contract and memo for pay to delete if checks were cashed. Agency cashed checks and failed to delete with all three credit bureaus. Checks were held and not cashed for weeks.The agency then reported the the debt to all three bureaus which seemed ridiculous, uncaused for, and malicious. Proof of mailed checks, cashed dates, etc. attached.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2022, I mailed XXXX, Equifax, and XXXX to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/XXXX i applied for a credit card with XXXX under the impression they serve the military members and was denied based only on a out of state mailing address, their website clearly stated i was eligible as retired military serviceman and i can prove my status anytime upon request however i was denied, no where did it state my mailing address had to be within texas furthermore the website after taking in my address and information clearly stated i was eligible and only after that did i proceed. This is not a mistake on my part but because of XXXX faulty/incorrect membership criteria is misleading and the misleading information will cause my credit score to drop causing my to pay higher interest rates this is not fair to the 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 2022-07-20
Company: Genesis FS Card Services, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FEB-RETAIL Last reported XX/XX/XXXX {$0.00} Open balance {$4000.00} Credit limit Balance carried not confirmed Credit limit {$4000.00} You're using 0 % of your account 's limit Checking for errors? Review your full report details. If you find any issues, we can help. 




Hey XXXX It looks like an account with FEB - RETAIL was added to your XXXX report. 

This could definitely impact your credit score ( like by lowering your average age of open accounts or increasing your total number of accounts ). 

Don't recognize this card? You can file a dispute with the credit bureaus. 


See the card *Based on your credit report information from XXXX as reported on XX/XX/XXXX. 


This is a promotional email. 
To manage your email preferences, please go to notification preferences. 

Hello, I received this email last friday XX/XX/XXXX from XXXX XXXX  that there is a new account on my credit report and I have not applied for any credit card. Please I need help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to get into my XXXX several to access my account, and the email address is completely different than I have. I have tried to get into the email address, and that is not a email address or phone # i have ever had before. 
I have talked to an agent at least XXXX different times over the past 3 days. 
I was told yesterday, and today that I have started a new credit account!? ( how is that possible? ) I was not on part of the credit breach, but someone decided to use my identity for the Ohio XXXX last year. 
I hope you understand why I am XXXX out! 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX Balance : {$390.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian Credit Bureau doesn't remove inquiries after two years on your report unless you actually call them. They will not dispute inquiries you do not recognize. I was told that you could not dispute inquiries because there's an item on the report related to that inquiry which they label " quality control ''. Their employees are anonymous so you have no way of reporting them. Useless report XXXX. They change your FICO score at whim. To improve your credit they want access to your bank account and all transactions. I have a screenshot that appeared while on the Experian page. The screenshot has the XXXX emblem and reads verbatim : " What Experian wants to know. 
Balances, transactions and rewards Account names, types and other details Contact info '' This is very worrisome. Experian wants access to your private financial life and how and to whom you disburse your money. 

Why can they be regulated instead of running amok with your lives?

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022

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 2019-03-14
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In, I believe XX/XX/XXXXor XX/XX/XXXX, Ocwen was contacted by XXXX XXXX with the details of my new insurance policy with a request to pay from escrow. A month later, I get a call from XXXX XXXX telling me it's not being paid. I call Ocwen ( who has admitted having phone records with XXXX XXXX ) and I'm told that I have to request in writing. After explaining my health issues that made it nearly impossible to type or focus on my computer, the ( Ocwen ) agent said she could take care of it right away. Here we are in XX/XX/XXXX and I find that Ocwen has placed Lender Placed Insurance ( LPI ) without my permission OR any notice. This happened once before and I received certified mail with a reasonable time frame. I'm FED UP with this company REFUSING to cooperate. I received a letter ( now gone ) last time this happened that stated : If you can not afford insurance, Ocwen can pay insurance out of escrow. We can even reinstate your policy if cancelled. Ocwen is ripping me off with insurance over XXXX times what I was paying before THEY XXXX   XXXX. I NEED this rectified before next months mortgage payment or I won't be able to pay. I'm only asking Ocwen to follow through. Seems easy if they gave a XXXX!!! 

My name is not on this loan. It should be ONLY the Estate of XXXX XXXX  XXXX, for which I'm the sole responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: MI
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'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, MI XXXX XXXX XXXX Balance : {$0.00}, 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