BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00}

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 2018-12-13
Company: Innovis
State: AL
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:
A miscellaneous company did a hard pull on my credit report, and I have no idea who they are and did not give permission. The name is cbcinnovis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Movement Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Applied and took out a mortgage ( MOVEMENT MORTGAGE ) on XX/XX/XXXX/17 for $ XXXX. From the get go I told the mortgage broker it was my intent to pay the mortgage weekly or biweekly as that 's how we get paid and we want to get this thing paid off as quickly as possible, including adding some extra for principal when we could ... ... He said, " yes, we do that, but you have to wait til you get your first statement, as they have a " high turnover rate = selling the mortgage '' ... Now, fast forward to near closing : the mortgage broker ( XXXX XXXX ) was annoyed constantly by my questions like : asking for more details about what different fees were and requesting explanations etc. We probably had 15 versions of the Closing Docs, as I was reading them and questioning everything.. he basically said in a text to me.. " Well I found out you are pretty relentless in fight every person in the process, so now I need to call a whole bunch of people to try to get you written proof on how mortgages work and why you need to escrow '' ... Escrow was NOT the only questions I had and isi n't it his job as my mortgage broker to assist and educate me on the process? ( We did not have a real estate agent ). So on the last CD at the Settlement table there was a tax fee of {$420.00} to cover " unpaid '' taxes - however, our taxes were already paid for that period by the seller ( and proven ), yet they were still charged to the seller ( which my husband was XXXX seller ) and also the purchaser. They should not have even been charged to anyone ( Seller/buyer ). Was told by the title company representative for the Mortgage Broker ( at settlement table ) that they were told in advance by XXXX XXXX if there were any changes on the CD, that they would negate our approval and cancel our purchase. Ok, so we are out {$460.00}. because, whats XXXX to the grand scheme of XXXX and the entire loan process all over again??? Now, I get my 1st payment slip, call Movement to et up weekly or biweekly payments, and I am told they do NOT allow weekly or biweekly payment and do not have anything in place to do that. Basically ensuring the term of the loan and the amount of interest they collect. I would never ever recommend Movement Mortgage or their broker XXXX XXXX, whom I fully entrusted as he was a previous work colleague ( he rented office space ). After closing, I did not receive a thank you / congrats call, text or email from XXXX XXXX, but I am sure he will be enjoying the commission earned from that loan. I will be filing a lawsuit and complaint to the Federal Government, State Government Agencies, Better Business Bureau and any other agencies that I can get the word out too ....

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 2023-09-18
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I mailed a dispute to equifax back on XX/XX/XXXX and have yet to get any notice that my dispute was being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I notified the 3 credit bureaus of a list of inquiries into my credit report that were not authorized and not done by me It has been over 30 days and theres still been no resolve and items not removed from my credit file. I have attached a photo of the previous complaints with CFPB that has still not been resolved.

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 2021-03-23
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent my son some money for my grand kids. I used my cash app to send the money. The amount was {$140.00}. My son said he misplaced his password and tried to get help from the Cash App Support team. My son followed the directions sent by the support team but still was unable receive the funds. After haggling with the support team many times their was one gentlemen who said they were not authorized to return the funds to me because the funds were stuck out there in virtual space. I was upset that a company like Square Inc. who owns the cash app service did my son and I a disservice. The company does not even have a phone set up to talk with some one. You have to email back and forth. Now XXXX XXXX the XXXX of Square Inc is worth {$12.00} XXXX dollars and you mean to tell me that I can't call anyone to rectify the problem when you handle money transfers daily and I can't get my {$140.00} back because my son misplaced his password? Something is wrong with this picture. So, I did some investigating and I have seen other Cash App Users have had problems with the App. I will attach a communication between myself and the Cash App Support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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 sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems and XXXX XXXX has continued to harass me for a debt not owed. 
This has been removed from a credit report years ago only to show back up on my report years later. 

A salesman called me one day representing XXXX XXXX XXXX. ( I do not recall now what yearn it was ). 
He told me that he could switch me for my then current service provider ( XXXX ) for a promotional fee of some sort. ( I do not recall ). 
He said that he worked directly with XXXX as well and could return my current equipment and switch the service. ( I found out later from XXXX that XXXX had nothing to do with their services. 
A tech had already come out and installed a dish. The dish was not installed at the location the salesperson and I discussed, and I did not have the promotional services as discussed with the salesperson. 
I immediately called cancelled services and requested equipment pick-up. 
On top of the false advertisements and fraudulent sales tactics used, XXXX attempted to withdrawal funds that I did not authorize from my bank account. ( I was able at the time to reverse the charges ). 
I did at one time speak to someone in accounting at XXXX who claimed to make all adjustments needed and resolve the problem. Only to see it on my credit report like a year later. 
I complained and it removed. Now years later it shows up again. 
I am sick of the issue and both the creditor and XXXX XXXX XXXX contention to continue to harass. 
On top of all that< I have not received a collection letter or a phone call from IC Systems since it was removed from my credit report years ago. 
Absolutely negligent and a disregard for people 's rights.

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 2023-01-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax is reporting the following inquiries on my credit report which is a violation of my rights under FCRA XXXX15 USC 1681b ( a ) ( 2 ). I did not give permission for Equifax to report this information nor provide my credit information to any of the following companies. When I contacted Equifax to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Equifax WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NC
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:
To whom it may concern : On XX/XX/2023 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! 

Summary of Accounts being challenged in list form 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 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 2023-09-18
Company: EQUIFAX, 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:
The following accounts ; 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 XXXXXXXX are hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: SERVICEMAC, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a claim with the mortgage company from the hurricanes. The insurance finally paid me in XXXX. I had to send the check to the mortgage company because they were also listed as payee on the check. On XX/XX/XXXX the mortgage company received the check. 

I have been calling weekly since then to get the money sent to me and they have still not released my money to me so we can rebuild our house. Every time I call its a different excuse as to why and I have to speak with a different person every time. 

I have asked to speak with a supervisor the last 4 times I called and they tell me they do not have a supervisor available but one will call me back. I have never received a call back from a supervisor. 
It is now XX/XX/XXXX and they are holding on to money owed to me to repair my home that is currently not livable. 
Please help!! 

Mortgage company is ServiceMac

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 2023-03-15
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: LoanCare, LLC
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: Investigation took more than 30 days

Complaint:
Hello, ( My name XXXX XXXX and I paid my mortgage on time. I've been paying my principal and interest, {$2500.00}, every month, for 9 years. I paid my escrow separately, on time, and I don't have any pending payments. My bank doesn't give out transmittal forms because I pay online, thus I have Bill Pay. I have been extremely inconvenienced since you made the switch in my neighborhood. You even had foreclosure notices sent. I have been going back and forth with your customer service for many months now so please for the love of XXXX, figure things out on your end because I can not endure this any longer. My mortgage payment ( principal and interest ) details are below. ) I sent a letter to loan care regarding this matter earlier. But no action is taken and still, this issue is persisting and which already affected my credit score.I started this mortgage ten years, I don't have any past due. I have evidence for all past payments. Please consider this matter and solve this problem. 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NJ 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 2021-03-15
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
From XXXX to now I been trying to obtain funds out my XXXX account with pnc bank and returned them to the issuer as they instructed me to do so bank will not send back or release them to me so I can do so, with this taking place a legal matter is getting ready to occur with if I dont get the funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
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 dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX XXXXXXXX & 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