BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.

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 2022-05-20
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: OLD NATIONAL BANCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I wrote a check for my mortgage in the amount of {$2000.00} to first merchants bank. On XX/XX/2022 the check was deposited and cashed into an account at XXXX. The check was clearly written to our mortgage company. We contacted our bank which is Old national bank and we told to make a police report to report fraud. We did. Old national then said that they would reach out to XXXX with phone calls and letters which they did with no response from XXXX. Old national bank now says that they can not do anything until the other bank contacts them. Old national bank will not help us do to not having a bank manager at the bank the check originated from. They are FDIC insured for this reason and we still can not get any help. They have told us to file a complaint with 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 monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NY
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 non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX and Equifax ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 item from the file in accordance to paragraph ( XXXX ), begore the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, XXXX dollars disappeared on my Chase savings account suddenly and never went back. Chase said it was transferred to XXXX but XXXX said they never received the money. Since the only account we have at XXXX is my husbands account, we checked that one and it received no money. Chase did not or has not send me any notification about that transfer. I was surprised to see the amount of money left in my account and made the investigation. They asked me to talk to XXXX but did not recover my money. XXXX said they never received the money. We have contacted with both banks on a daily basis but the only response given is to talk to the other bank. I think it is illegal to have client losing such a huge amount of money with no action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 attempted to get proven fraud inquiries removed from my credit file. Police and the actual entity agreed it was not mine and pulled my credit from ID theft and not me. Transunion refuses to remove these inquiries even after 30 days and more up to 10 months. Force Transunion to obey the FCRA and remove these inquiries. I will list those in this complaint. But they were done with a different name and a different address that is proven to be fraudulent yet Transunion will not remove them. These inquiries were not permissible I did not give permission yet that is why they are keeping them on my credit file their claim is they were permissible. Yet every entity says they do not have any permissible inquiries in their system from me and Transunion continues to refuse to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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:
I am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. Experian didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. 

I submitted a dispute with Experian around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : XXXX ). There is no information on my profile as to who this company is. Did they provide Experian with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. Experian investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. 

The second complaint is the idea that Experian seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.

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 2023-06-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: COMMERCE BANK
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Divorced in XX/XX/2016 and husband was given the travel trailer by the judge of XXXX County, TX. Judge did not make him sell or refinance the trailer. My lawyer had the judge add wording to protect me and my property from debt collection if the debt went to default. 

At the request of Commerce Bank I have located my ex-husbands address, work, and phone numbers and given it to Commerce bank. I found out he sold the trailer to his cousins and told Commerce Bank the name of the couple and area where they lived. Commerce Bank did not go get the trailer. 

Commerce Bank is still posting information on my credit report of past due/ collection/write-off debt and I am afraid the will put a lien on my property or garnish my wages to pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CVB FINANCIAL CORP.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I write you to request your assistance with the gross and intentional mishandling of my companys SBA Payroll Protection Program ( PPP ) application ( original letter dated XX/XX/2020 ). With the assistance of senior management at XXXX XXXX, where I received my most recent PPP loan application denial, I was connected to Ms. XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX and Mr. XXXX XXXX at the SBA. Through the collective and concerted efforts of these individuals and their teams, I was urged to contact Citizens Business Bank ( CBB ) again, since all PPP applications after initial communication with CBB were denied by the SBA. 

I emailed CBB on Monday, XX/XX/XXXX to see if CBB had in fact submitted my loan packet to the SBA ( CBB states they never submitted our application - it was certainly never funded ). CBB did not reply. I  reached out to the SBA via XXXX provided contact information on XX/XX/XXXX also. Two days later on XX/XX/XXXX, I received an email from Mr. XXXX at the SBA informing me that CBB had an active loan assigned to my company and they cancelled it on XX/XX/XXXX one day after my inquiry and months after we applied. I was not provided even the professional courtesy of an email response or phone call from CBB. Their behaviors and attitude are worse than indifference and incompetence. My company and staff spent more than 80 hours on the PPP loan application process many of which was with CBB who subsequently told me to seek PPP financial assistance elsewhere. CBB then held our loan hostage for 3+ months ; this would appear to be willful and deceptive financial and business trade practices among other possible infractions of SBA lending covenants. As a trained financial and forensic  accountant, I think it close to impossible that mine is the only company in this situation. I not only request a response from you to this matter but an investigation of CBB and other small businesses put at risk of losing their company as a result of CBBs willful misconduct.

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 2023-05-19
Company: EQUIFAX, INC.
State: DC
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:
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. DEPT. OF HUMAN SERVICES : # XXXXXXXX 15, 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 non-monetary relief
Consumer complaint received 2020-12-04
Company: Global Lending Services LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I would like to file a complaint against Global Lending Services LLC. This company provided me a high interest loan due to my poor credit in 2014. The monthly payment amount is {$480.00}. I was furloughed this year due to the pandemic but made sure to still pay my financial obligations. I noticed that Global Lending Services reported me 60 days past due for the months of XXXX and XXXX on my XXXX credit file. I disputed the late payments with XXXX and provided proof that I paid my monthly obligation. GLS informed XXXX that the information provided was accurate. I called GLS to inquire why they are reporting me late. The company informed me that because the loan term came to an end, it doesn't matter if I am paying them every month because the full amount is due immediately. The account manager informed me that they will continue to report me late ( even if I pay my monthly payment ) and once the account reached 120 days, the account will be listed as a charge off. The remaining loan amount is also non-consistent. On XXXX the remaining amount displays {$4500.00}. On XXXX the remaining amount is {$6200.00}. On XXXX the remaining amount is {$5800.00}. On The Global Lending Services Site the payoff quote is XXXX. The company is reporting inaccurate information on every platform! This is devastating as I have made sure to continue to pay this company even with the high interest rates and overly high late charges that have accumulated on my account. The account manager informed me that I am still financially obligated, but they will report me late until I give them the full amount ( over {$4000.00} ). This is a predatory loan. I am also accruing a daily interest amount of {$2.00}. This is a trap and really has to be illegal. Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NJ
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:
These inquiries are fraudulent and do not belong to me. Please remove them under the law. I have included the identity theft reprot. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be removed : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TransWorld is reporting negative on my XXXX credit report. Debt was paid in full on XX/XX/13, and yet has been removed from negative reporting on my XXXX profile. XXXX neglect to remove reporting, companies combined debt on XXXX XXXX XXXX report with two different account numbers. When asked rep to advise further how can you combine two different accounts with different alleged medical dates, rep hung the phone up in my ear without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither 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 accounts. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello my name is XXXX XXXX and my ex husband was receiving my unemployment benefits since XXXX and Im trying to get what I am owed. They told me to put up a couples of pictures to verify some things. Its for the XXXX card. He received everything and I didnt I have proof.

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 2018-02-26
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX XXXX. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to American Honda. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/2023 - My income has been dramatically reduced. XXXX wouldn't offer forbearance or deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit report and tried to unfreeze it at a later point. I used all the same information, I am sure of this. Experian refuses to unfreeze it until I send in a long list of documents that I do not have. When I try calling it is not possible to speak to a human.

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