BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: Movement Mortgage LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my house in XXXX, XXXX and got a mortgage with Movement Mortgage , LLC. I immediately set up auto withdrawal for all my mortgage payments well before my first payment was due in XXXX, XXXX. My first payment was auto withdrawn from Movement on XX/XX/XXXX and again on XX/XX/XXXX. The first payment was {$1900.00} but the second was a lesser amount of {$1800.00}. I called Movement on XX/XX/XXXX inquiring about the lesser payment amount and was told that was due to an overcollection of escrows at my closing which had adjusted my monthly future payment amounts down to {$1800.00}. 
A few days ago, I received an envelope in the mail with information stating that my loan was in default and that I had never made any payments which is clearly not true because Movement AUTO WITHDREW them from my bank account. I am attaching copies of my bank statements that show each payment was auto withdrawn from my account, as well as the letter I received from Movement stating I was in default. 
I immediately called Movements phone number as provided on the default letter to find out why I received this letter and was told this is some type of servicing issue on their end and that both my XXXX and XXXX payments were received but put into a suspense account held by Movement because they took out the incorrect payment amount in XXXX. I am also attaching copies of my loan portal that shows I am in default but that my payments were received. To date, these payments have not been credited back in my loan account, thus appearing that I have not made any payments and am in default. 
I have contacted the local Movement Mortgage , LLC that I used when I got this loan telling them of this issue, asking for it to be corrected, and nothing has been done. Clearly, I am beyond upset with this situation since I did everything I was required to do to insure my payments were being taken out and made on my loan and now it appears that my credit is going to be affected since no one has taken care of this mistake that was made by Movement. I feel this is fraud. 
Any assistance you can give me to get this straightened out would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Sent in my dispute and the credit company didn't provide the right documents showing that the accounts didn't belong to me in a reasonable time frame that the fair credit act determined to be the time frame for their response. 

DEPT OF ED / XXXX XX/XX/XXXX XXXX DEPT OF ED / XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to 18 USC8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2.company has also NO permission to report ANYTHING using my personal info pursuant to 15USC 1681 4

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-03-11
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
To : CEO/CFO/LEGAL DEPARTMENT AT SANTANDER CONSUMER USA , I XXXX XXXX XXXX come to you in Good Faith and Honor to get resolution on application ID No : XXXX. On your responded to ref.case # XXXX you said that wasn't denied of credit. That their was two applications where credit was approved and condition. So If I got approved for extension of my credit, but you said their is condition to it. If you can tell me where in the Law said that for exercising my right to Extension of my own credit their is conditions? Where in the Law said that money Down for Extension of someone own credit on a " Consumer Credit Transaction '' is need it and is not part of the whole sum in a " Finance Charge ''? Where in the Law said that their is Limit to grant credit in the Amount on term Requested for extension of consumer credit? Unless you can show me on the Law that I'm wrong and your right on subject matter, you false and misleading on responding to reference case # XXXX, Willfully and Knowingly under 15 u.s.c. section 1611 is a violation and Criminal Liability because is Public Information. Under " TILA '' " FCRA '' " FECOA '' ACTS 15 u.s.c. section 1691 ( d ) ( 6 ) and 15 u.s.c. section 1681 ( k ) ( 1 ) is illegal to denied, revocated or refused to grant Credit in the Amount requested or negative change in connection with a consumer credit transaction. Under 15 u.s.c. section 1681o : Civil Liability for Negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: FISERV INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, My XXXX FMLA ( i.e., maternity leave ) goes into a Money Network account ( XXXX ) and I am unable to withdraw it. I have attempted to transfer money out of this account every single day for over 2 weeks and not a XXXX has transferred and no explanation. I started taking screenshots of the confirmations showing that a transfer is scheduled. I'm frustrated NJ moved from Bank XXXX XXXX to Money Network b/c I have no access to my money. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XX/XX/XXXX ; 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 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX acct # XXXX Account name : XXXX XXXX  acct # XXXX Account name : XXXX acct # XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 crime 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. Information, other than records of convictions of crimes which anledates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate please delete

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo processed payments that were not authorized then charged my account NSF fees. Further, they have continued to post a larger balance on my account on online banking and at the ATM, THEN, they deduct fees which cause my checking account to be overdrawn. This is a scam!

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 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
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 personal information on 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 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Capitol One and explained that they submitted old information to XXXX on XX/XX/XXXX. The Capital One account that Capital One submitted under the heading " Adverse Accounts '' was from a card back in XXXX account # XXXX which had a 60 day late payment. This was in XXXX. Why would they report this as this is 7 years old and my present Capital One card has a perfect payment record for the past 5 years? I called Capital One and they refused to give me the department that does the reporting and they stated that the " the department was not taking calls '' I would have to start a complaint with Capital One which would take 30 to 45 days. This could be solved in one phone call. So now I have a complaint process against XXXX with your agency. I have to put in another complaint thru Capital One, XXXX did not allow me to " verify '' myself with their complaint process, so now I who didn't do any thing wrong has 90 things with 3 different agencies all of which take up to 45 days to straighten out. This is the most convoluted, confusing frustrating thing that that I have to go thru to clean up a mess that I didn't create.Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to the ATM at the PNC branch on Monday XX/XX/2023. Around XXXX and pulled into the atm to cash my pay check like I normally do. My state cleaning job doesnt offer direct deposit! I wish! Im only paid once a month. Well the atm ATE MY CHECK! The screen froze and it spit my debit card out. I immediately went inside the branch which is PNC in XXXX, KY. I told the lady what happened after 30 minutes of her trying to get me some help I was told it could be TWO WEEKS OR LONGER before I could receive my funds!!! RIDICULOUS! I have bills due NOW! My electric will be shut off my internet my phone my kids need to eat!!! I told the lady the same and asked how will my kids eat and all she could say was she apologized and there was nothing else they could do! Ive called the XXXX number with lies saying my account could be credited within XXXX hours now today they tell me NOPE itll be TWO WEEKS or longer after they investigate!!! I mean Im ON CAMERA OBVIOUSLY DEPOSITING MY CHECK!! I need my funds NOW! I cant even drive to work without gas!!!!!!!!!!! They shouldve at least credited my account with some sort of advancement but NOPE! This is unfair treatment! And I will be switching after this! How dare they tell me I cant have my money when their machine failed to work correctly! I AM LIVID AND MY KIDS ARE HUNGRY! So what do I do? This must be why people do criminal things! I just want whats MINE! Please please please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX ( Original Creditor : AT T ) XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX LASCO ) XXXX XX/XX/XXXX {$7200.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer rep
orting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. As a result of this data breach, on XX/XX/2023 XXXX XXXX XXXX  XXXX had pulled a hard inquiry on my Equifax credit report without my authorization. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal XXXX XXXX XXXX XXXX  hard inquiry from my Equifax credit report. I have submitted at least 4 disputes with Equifax pertaining to this illegal unauthorized XXXX XXXX XXXX XXXX  hard inquiry and Equifax have not done a THOROUGH INVESTIGATION and Equifax have not contacted XXXX XXXX XXXX XXXX about this hard inquiry so that it can be deleted.

Company response to consumer: Closed with non-monetary relief