BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being. 

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions. 

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.

Company response to consumer: In progress
Consumer complaint received 2023-05-26
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I signed up for a merchant services account with US Bank XXXX Elavon/XXXX  XXXX XXXX There was an opportunity for a {$600.00} bonus once my first merchant transaction settled. The terms said the bonus would be deposited into my existing US bank business account 45 days after the transaction settled. This transaction settled on XX/XX/XXXX. I have tried to reach out multiple times to my US bank contact but he has been completely unresponsive.

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 2021-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 instructions of the consumer to whom it relates.US DEPARTMENT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, AND XXXX never gave XXXX, Equifax, or XXXX written consent or permissible purpose to report anything on my consumer report, in addition ti having not validated or confirmed with proof of certified mailing of a written consent in writing by me.. No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX, the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: HYUNDAI CAPITAL AMERICA
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The lease was paid off in XXXX, with proper documentation. XX/XX/XXXX XXXX cashed two checks for the amount of {$16000.00}. These two checks were stapled to a mileage odometer form as well as other lease ending forms. I have been fighting with XXXX since XXXX to get my title. It is now 5 months later and they still refuse to send me my title and officially close out my loan! I didnt even receive a final statement from them despite my account balance showing as {$0.00}. This is beyond frustrating as my lease is officially over in less than 30 days and this should have been taken care of MONTHS ago. Instead Hyundai has given me the run around. I even resent the odometer form at the beginning of XXXX after many phone calls. And they still claim they need it or they will not release the title. This has been the most frustrating process and at least 5 phone calls have been made. I made two today only to be told by the automated system that they could not take my call and then hung up on 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 2023-03-22
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}

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 2022-07-26
Company: EQUIFAX, INC.
State: VA
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/XXXX. XX/XX/XXXX and XX/XX/XXXX, I submitted disputes letters to Equifax XXXX in order to investigate and delete hard inquiries on my account. My account reported several duplicate hard inquires which negatively affected my credit report. 

Within a few days, Equifax sent results stating this information was factual. After contacting the creditors/lenders, I was informed that they would be happy to remove unauthorized inquires once i dispute these inquires with Equifax. After contacting Equifax again, i was informed that i needed to call the lenders again and submit a XXXX dispute. 

In my conclusions, it is clear Equifax ( XXXX XXXX XXXX XXXX GA XXXX ) is not doing a proper investigation with the lenders/credit lenders. Equifax is providing inaccurate information without doing their jobs and thorough investigations. 

Please assist me as i wish to have inquires removed immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX DATE : XX/XX/ this is my second dispute WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE RECEIVED XX/XX/? 

WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a serious concern regarding the accuracy of my TRANSUNION credit report, as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My recent investigation of the TRANSUNION credit report has revealed significant inaccuracies and incomplete information on the following accounts, and I must insist that these matters be rectified promptly : 1. XXXXXXXX XXXX XXXX XXXX Account Number : # XXXX - Reporting an " unknown marking '' in XX/XX/, which appears to be an incomplete entry. 
- Reporting a Past Due amount of {$23000.00}, inconsistent with the high balance of {$22000.00}.

- Reporting an original charged-off amount of {$21000.00} while indicating a Past Due balance of {$23000.00}.

- Reporting a balance of {$23000.00} on a charged-off account, which is contradictory. 

If you are unable to correct or verify this account, I insist on its immediate deletion from my TRANSUNION credit report. 

2. XXXXXXXX XXXX XXXX XXXX Account Number : # XXXX - Reporting an " unknown entry '' in XX/XX/, suggesting a lack of proper or correct information. 
- Reporting an " X '' on my consumer report in XX/XX/, which, according to your Rating Key, indicates an " unknown '' entry.

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 2019-08-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
HSBC XXXX XXXX CA branch - XXXX is my premiere banker. She set up bank accounts and credit card account. Credit card, upon being issued, was duped or used by another entity resulting in unknown charges. Also, the issue of the card was brought to XXXX 's attention immediately in XX/XX/2019 and she said she would take care of it ... call the cc division and have a new card issued. 
New card issued but they transferred balance to new card even though the point was balance was not generated by consumer. 
Also, this resulted in negative credit report ( late reporting ). 
You can not access the account number to pay the bill regardless. There is no account number on the bill anywhere. When you call them, after providing security info, they want you to go to the branch every time to pay the bill. 
They were asked to handle the problem on XX/XX/XXXX and the branch manager promised to be get involved. Than he left for holiday and never followed up on the issue 44 days later. So now hopefully CFPB can get my credit report cleared up and I can have a functioning credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: MO
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 accounts that are not verified properly. I have not been given any proof that these accounts belong to me. Also, showing 17 late payments and 10 collections. All accounts were sold to different creditors that I have no contracts with the original creditor nor the companies that the said debt was sold to. All contracts were breach by original creditor when debt was apparently sold to debt collectors that I have no contract with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: MOHELA
State: CO
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:
Upon hearing about the possible student loan forgiveness, on XX/XX/XXXX I made a request to my loan servicer ( Mohela ) for a refund of XXXX payments I made during the Covid forbearance totaling {$1900.00} ( bank statement with amounts and dates attached ). On that original call I was told that because of the high volume of refunds, I should expect my refund within 90 days of the processing date via my original form of payment ( direct deposit to my checking account ). 

Within a few weeks of the original refund request on XX/XX/XXXX, my loan balance was reinstated to the original principal and the payments on my Mohela account were removed as of the processing date of XX/XX/XXXX. 

However, as of XX/XX/XXXX, I have yet to receive any form of payment from Mohela. 

I have called Mohela on multiple occasions, averaging every XXXX months, since XXXX of XXXX and each time I have been told that my request was processed and that they no longer had control of the refund because it was sent to the US Treasury and that I should give it another XXXX days. 

Given that it has been XXXX  days since my original request, it is disheartening to know that I am now not only earning interest on the higher reinstated principal, but that the money I paid is not back in my pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have a loan with XXXX XXXX XXXX CO. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof, Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive disputed it with Transunion credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}.

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 2022-07-26
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
+++++ ATTENTION XXXX XXXX +++++ XX/XX/2022 at XXXX I received a call from XXXX XXXX. I asked if she was a debt collector and she refused to state if she was a debt collector. XXXX would only state she was a third party representative for Trans World. XXXX was calling me at a inconvenient time while i was working. XXXX used used of obscene or profane language while asking questions that made very uncomfortable and caused me a great deal of XXXX  XX/XX/2022 around XXXX I received another call from XXXX XXXX XXXX I told her not to call me asking for money that I do not owe her or the company she works for because I am not in contract with her company. I told XXXX XXXX she caused me a great deal of XXXX  from her previous call on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX then transferred my call over to her supervisor XXXX XXXX. I told XXXX to place me on the do not call list. I then asked for the name of the CEO of the company she works for. After XXXX provided the name of the CEO ( XXXX XXXX ) I asked XXXX if she was familiar with Familiar with the Fair Debt Collections Practices. XXXX XXXX said " yes I am ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Lincoln Financial Services
State: CA
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:
we try to seek help from them, one day we call asking for the opportunity to have our payment from XXXX to skip but they say no until the XXXX month, and then we ask to have the XXXX payment paid by Friday the XXXX of XXXX meaning we got one payment behind, because the XXXX payment was on the XXXX plus the 10 day grace period, and at that time was only XXXX payment behind, and they took the car on the XXXX of XXXX, and then they said that they don't have any note on the system and I also talk to the manager but they said, that don't care what we do, under the fair collections practices act they already violate our rights, this was anon fair practice. and then they call us to see if we can give them XXXX by the same weekend we ask them to pay the XXXX payment, but now they were adding the tow fees. so we wouldn't not going to pay the tow for this unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: LEXISNEXIS
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to formally complain about the inaccurate and outdated information that LexisNexis continues to report on my consumer credit report, despite my repeated attempts to rectify the situation. I initially contacted LexisNexis through written correspondence on XX/XX/XXXX and XX/XX/XXXX, requesting corrections to be made to my credit report. Unfortunately, the issues persist, and I am deeply concerned about the impact this has on my creditworthiness. 

The inaccuracies in my LexisNexis report are twofold. Firstly, the report contains outdated addresses and phone numbers, some of which date back over XXXX years, or are entirely unrelated to me. I have not resided at these locations or used these phone numbers for an extended period, and it is imperative that this outdated information be removed from my report promptly. 

Secondly, my name, which I have previously requested to be corrected, still appears incorrectly. I have submitted copies of my state ID and social security documents that clearly display my correct name and address. Despite providing this evidence, my name remains inaccurate on my LexisNexis credit report, which further jeopardizes my ability to access credit and financial services. 

I understand the importance of accurate credit reporting, and I expect that LexisNexis, as a consumer reporting agency, will adhere to the regulations and guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is vital for my financial well-being that my credit report reflects only accurate and up-to-date information. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that LexisNexis promptly corrects the inaccuracies in my credit report, specifically : Removal of outdated addresses and phone numbers. 
Correction of my name to match the information provided in my state ID and social security documents. 
I would appreciate your prompt attention to this issue, as it directly affects my ability to access essential financial services. Please inform me of any steps taken or any additional information needed to resolve this matter as soon as possible. 

Thank you for your assistance in addressing this concern. I eagerly await your response and resolution to this matter. 

Sincerely, [ Your Name ].

Company response to consumer: Closed with explanation