BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: OLD NATIONAL BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I receive a biweekly XXXX transfer from the father of my children every two weeks in the amount of {$1000.00}. On XXXX XXXX various changes were made to my First Midwest checking account by Old National Bank as part of their acquisition of First Midwest ( outlined in a separate complaint ). During this transition of my account the XXXX payment was lost, and all attempts to recover the funds have so far failed. XXXX, the originating bank, confirmed that the payment was successfully completed to my account. However despite this evidence, no one at Old National is either willing or able to locate the money, which has left my account overdrawn for the past two weeks and has forced me to beg and borrow money just to make ends meet. I have tried calling XXXX myself, but they refer me back to Old National and Old National has been unwilling to talk to XXXX on my behalf.

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 monetary relief
Consumer complaint received 2022-08-17
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage send XXXX pre-approved email and I spoke with someone from Rocket Mortgage said I was pre-approved. When starting looking for realtor and house to purchase. Rocket Mortgage said I wasnt approved. I felt like I was being discriminated because of my race.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: GA
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 identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. 
I will file a police report soon to support this report, please block these item from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I would like my account to be updated as paid as a great Account number XXXX my account has never been late but yet the credit bureau saying I am late for XXXX and XXXX which one is it By law, my account should be reporting 100 % accurate. This account is in accurate. Please update to paid as agreed are OK.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the items as they are fraudulent. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$28000.00}, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: MD
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:
The Credit Bureaus never did a proper Investigation according to the FCRA The term investigation consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who my have knowledge concerning any such items of information. 

They did not do this Also, They have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the last payment made date is inaccurate, and the on my record until date & month totally different. This ground for removal. 
They also violated the law because according to 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. 

I did not give anyone a 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 explanation
Consumer complaint received 2023-10-27
Company: MSCB, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This medial collection company by the name of MSCB INC has falsely reported a medical collection on my credit report. They have a balance of {$1800.00} listed on my credit report. However, my insurance company XXXX XXXX XXXX XXXX has already covered what they can cover and per the previous notices i have received from the XXXX XXXX XXXX in XXXX about this medical collection, it stated that the remaining balance of the debt was {$400.00}. The medical collection agency has failed to send me any notices and has also failed to send proof of the alleged debt in the amount of {$1800.00} that they are falsely reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2020

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 2023-03-08
Company: EQUIFAX, 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
On XX/XX/2023 I sent certified mail to The reportion credit unions about illegal activity being written on my report. With no response. 


Under 15 USC 1681b - permissible purpose of consumer report, XXXX XXXX CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to subsection 1681s-XXXX of this title any- ( i ) Reports containing information solely as a transaction or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020, I received a notice about enrollment in a Chase Mortgage Covid relief program. However, I was unable to enroll in the program because Chase Mortgage immediately transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX did not honor Chase Mortgage 's Covid relief program. In addition, XXXX XXXX sent a notice demanding final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or removal due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$5500.00} XXXX XXXX {$2700.00} USDEPED XXXX {$31000.00} XXXX  XXXX XXXX {$640.00} DPT ED XXXX XXXX {$68000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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: Information belongs to someone else

Complaint:
What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Chase Bank. The mortgage was sold to Chase in XXXX however I've had the home since XXXX. I've never made a late payment on this account. In XX/XX/XXXX, Chase reported a 30 day late on my account. I reached out to the bank regarding the late and provided information on the payment date. The account was paid on time on my side but for some reason the processing was delayed on the bank side. The Chase representative simply told me that once they report items as 30 days late they don't have a way of removing them from credit reporting. My credit score has taken a significant hit due to this false reporting on behalf of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: MOHELA
State: MS
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:
I called MOHELA to enquire about student loan forgiveness and where I stand on the issue. Multiple people acted as though they had not heard of the short term rules where some payments that didn't count in the past were eligible until XXXX. After reading them the info from a government website they said they would have to look into it. 

After that, MOHELA was supposed to send me all of the information they had on my past payments since XXXX. It has been more than a month since the first promise to send that information through the mail because they stated they could not send it electronically, and I still haven't received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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: Account status incorrect

Complaint:
I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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:
I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX HAS PULLED MY CREDIT 2 TIMES XX/XX/2022 XX/XX/2022 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.

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 2020-05-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card is from Lowes now thiis card belongs to Synchrony Bank now I can not see my Statement on line, only uf I sign agreement paper less, it seems to me that does not correspond please see it this unlaws. 
Thank 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 2023-02-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
There is appearing some inaccurate information, i saw my record and the credit bureus is reporting wrong 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 2023-04-13
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of 2022, my information was used without permission and inaccurately which prohibited me from working. My license was reported as invalid for work which indeed it was not and unimportant information was disclosed without consent as adverse violations. I am not prohibited from driving in the state of Florida. 

The law has been violated. I even showed how they were inaccurately reporting thus violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus / reporting agencies have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the agency does not have my written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( 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 ( ii ) the information is, in fact, inaccurate. 

I can go on and on Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2023

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 2023-03-08
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation