BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023. By my attorneys request ( for the start of a severance with my XXXX XXXX XXXX ) I put A Lock on my corporate dental office checking account. Where any funds deposited into the account would be frozen. Funds could go in. No funds could be withdrawn, wire transferred out. Until an official letter ( the banks request ) on an official office letter headed paper was written to XXXX XXXX Treasury department. That I am hereby reinstating that I am taking back my corporate checking account, from any wire transfers, would no longer be allowed. Once the letter was received by treasury. I could then ( only I, the sole signer ) could then start withdrawing funds from the lock account .that was put in place on XX/XX/XXXX. The letter was received by XX/XX/XXXX ( i believe ) to the Treasury department. In the mean time XXXX withdrawals were still taken out of my account in mid XXXX with the lock still in place. And my official letter was well received making me the only person who could take out funds. 
A total of a little over {$5000.00} was wired transferred out of my account. That was brought to my attention around XX/XX/XXXX. 
The banking personal have informed me of this error. A complaint was filed with the XXXX that they are aware of. I have been promised numerous times the matter is being looked into and indirectly told that they will be refunding me the funds that were wired out. For almost XXXX weeks in row they are hold my much needed funds ( XXXX ) in front of me. Pawning me off to XXXX banking employee after another to tell me the catch phrase. We are looking into this. Which I find at this point gravely insulting. And, almost childish in saying we made a mistake. We are hoping to rectify this situation. We just dont know when?. ( is what the bank is telling me ) In the mean time. We are holding your funds basically XXXX. 
Seeing how many calls, attempts, going in person to the bank .being always Its in our lawyers hands, somebodys hands, and we can never tell you when you will get your loosely promised funds back from us. 
XXXX weeks. With no finial date in site. 
Thank you for your time, 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 2019-05-10
Company: Experian Information Solutions Inc.
State: VA
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 recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in a while and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. I've contacted FTC and my local police. I'm doing this myself. There are still items on my credit report that are not mine. 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 2021-12-30
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2021-12-30
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received debt collection letter from Southwest Credit. Letter claims the creditor, " XXXX '' is owed {$250.00}. I called XXXX regarding the account referenced in the letter. The account was activated in XXXX, and I live in XXXX. The account is not mine. XXXX has asked me to submit a fraudulent account form as well as contact the FTC and credit bureau 's . I am submitting the fraud investigation packet to XXXX as well as submitting this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Weber & Olcese, PLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent Weber & Olber , PLC two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to validate this debt as it belongs to my father who died in XX/XX/2021. I have requested an investigation of this account and of any proof that this account is mine but they have either send inadequate information or ignored my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I spoke with a representative from Chase Bank. During the call, we discussed an optional payoff amount of {$8500.00} over the course of 12 months in equal payments of approximately {$710.00} per month. They also informed me that I could make a one-time counteroffer to settle the debt in question. I was told I had 30 days from that day ( XXXX ) to make a decision to move forward with this option. I verified the 30-day time frame before ending the call. The direct line number XXXX XXXX XXXX XXXX was provided for me to call back once I came to a decision on the option presented to me. 
XXXX XXXX MST I called back the number provided. After verifying information with XXXX, I was told Chase was not handling my account and would not accept the previously offered payment option. I inquired about the 30-day time frame given on XXXX and was told they were sorry but they could do nothing. I also spoke with XXXX his supervisor who said he also could do nothing. He explained that whether I was given accurate information or not the option given me was not viable. I asked why I was given an option to pay this debt through Chase that wasn't an actual option. After him confirming he had no power to do anything in this situation I asked to speak with his supervisor and he eventually said someone would call within 72hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-12-30
Company: EQUIFAX, INC.
State: IL
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 44 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report promptly. Therefore I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was impacted by the data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 44 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report promptly. Therefore I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was impacted by the data breach and may have gotten into the hands of the wrong person.

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 2019-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During XX/XX/2018, I applied for a student loan for my son and cosigned the loan as his parent ( legal guardian ). The loan application process was done at the bank branch by the branch manager. I requested the deferred option with a fixed rate. 

The branch manager completed the application on her computer and told me the loan was sent to my e-mail account to e-sign, which I completed. 

It turns out the loan payment option chosen by the manager was payment of interest immediately instead of deferred upon graduation and the rate is variable. 

On XX/XX/XXXX, I received a late payment notice in the mail from the banks collection party demanded {$170.00} interest payment that is late. I called the collection agency immediately and that is how I discovered the loan application was done erroneously at the branch. The branch is Citizens Bank on XXXX XXXX XXXX, XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: AR
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:
Experian never provided an investigation into my dispute regarding several inquiries that were never authorized on my behalf. 
Experian has violated 15 USC 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. NO Written instructions were ever provided to Experian on my behalf to furnish any copies of my consumer report to the third parties listed below. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX 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 2023-10-22
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Edfinancial Services is trying to collect payment on loans that are in the borrower defense that are supposed to be discharge. I received a letter stating loans from XXXX University are being cancel. XXXX XXXX for XXXX XXXX XXXX XXXX are being discharged as well. I asked the company to provide the new total amount to me, which the company has not. I'm also in school and is not required to pay any loans because of it. 

In XXXX  I consolidated the XXXX XXXX XXXX XXXX. The total loan amount was added up wrong. I filed complaint after compliant with no resolution. The unsubsidized amount should have been {$14000.00} the balance is showing {$16000.00}. {$2400.00} was added to my loan amount and that wasn't interest. Subsidized loan amount should have been {$9100.00} and they have {$8100.00}, {$1000.00} was not added. I consolidated again in XXXX still not aware the loan amount was not corrected {$12000.00} for subsidized was added and {$6000.00} for unsubsidized loan. subsidized should total up to {$22000.00} plus {$1700.00} interest and {$600.00} in interest should be added {$20000.00} for unsubsidized. the balance are incorrect and wrong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Please see attached correspondence showing what happened in relationship to my accounts due to deposit issue and duplicate payment error by mortgage company. 

I am schedule to travel next week for XXXX and now my funds are on hold. Please I have have consistent deposits for the last 2 yrs with Bmo. 

Please release my funds so I can take care of what I need to get done my credit has already dropped XXXX points due to mortgage payment being late and need resolved asap. 

It was out of my control with the deposit not being processed as I was told by my client company who was paying 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 non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: AL
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 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify or delete accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To review with their client the debt was XXXX  by XXXX XXXX showing XXXX XXXX  balance the refussed to accept or acknowledge debt was cleared even though their client XXXX the debt was owed provided verification the debt was paid even after showing the Kansas counselors law firm the reciept invoice XXXX debt was paid and now reflects a XXXX XXXX  balance paid in full by XXXX XXXX XXXX XXXX XXXX I will attach the verification documents XXXX XXXX accepted letter as well as the verification invoice reciept from the debtor showing balance paid by their finacial assistance reflecting debt paid XXXX dollar balance so XXXX can remove this negative mark from my record along with XXXX and XXXX as the mark has been devastating to my credit and XXXX has also recieved these verification documents showing balance paod in full as has also refussed to remove the mark despite having on file the reciept invoice from the debtor showing the XXXX XXXX  balance debt paid in full so I am requesting investigation into the matter seeking fair credit Reporting I appreciate you taking the time to review the matter and tour advocacy to correctly reflect an accurate and fair credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # 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 2021-12-29
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false andincomplete information. Please delete this item within the allowing timeframe pursuant FCRA. 
ACCOUNT NUMBER : XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information. 

XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation