BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: FISERV INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX/XXXX/XXXX - received letter from Money Network Cardholder Services, which included a Visa Debit card ( last XXXX XXXX XXXX my myself and my husband for {$2400.00}. I did not want the card, and preferred the {$2400.00} be deposited directly into my checking account. 
XX/XX/XXXX - went to EIPcard.com site and created an account and requested a transfer of the entire {$2400.00} ( Economic Impact Payment ) into my personal checking account with XXXX XXXX. 
XX/XX/XXXX - Called the Customer Service number provided by EI to XXXX XXXX and advised the money had not been transferred and was told it could take several weeks. 
XX/XX/XXXX - Called XXXX XXXX  again and advised money was still not in my account. Again, told it could take up to 60 days. 
XX/XX/XXXX - Called XXXX again because I still had not received the money and they offered to put a trace on the money and told me to call back in a few days. 
XX/XX/XXXX - Called XXXX and they said they couldn't find anything and would send me forms to file a dispute with Money Network. 
XX/XX/XXXX - Received letter from Money Network with Case ID and forms to be completed. 
XX/XX/XXXX - Received letter from Money Network that the investigation was complete and there was no error and the claim was denied and closed. They denied and closed it prior to even receiving the completed forms from me. 
XX/XX/XXXX - Called Money Network to ask them the routing number of where the money was sent to confirm it went to my account and was given the website XXXX to find the documents related to my dispute. This website came back as unfound. Called back to Money Network and confirmed spelling of website, still unfound. 
I still have not received the money. I provided Bank signed bank statements showing the funds were never transferred into my XXXX XXXX account. The Money Network Financial website shows the balance of the debit card is {$0.00} and the money was transferred to my bank account but it has not been transferred. 
I also was referred to call the IRS, but was told they could not do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: VA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For 3 months since XXXX my minimum payment has not been reported correctly through the app, resulting in late fees each month. I have paid the more than the minimum payment listed every time, but somehow less than the actual minimum payment required to not get a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX  XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX.

XXXX Inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : 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: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Blitt and Gaines, XXXX XXXX, XXXX XXXX  I had a XXXX XXXX XXXX XXXX.Card was lost..debt owed was acquired by XXXX XXXX Judgement was obtained against me on deceptive way..with my name wrong address..I was never notified to appear..default by failure to appear..Lein on my property as a result..in XXXXjudgement paid property sold in XXXXshould be end of story.., In XXXX XXXX XXXX  acquired ownership of XXXXXXXX XXXX financial..now trying to collect under XXXX XXXX XXXX an old XXXX 's debt..that was already paid..bad book keeping..I have never done business with XXXX  XXXX XXXX.. sperate entity from XXXX  XXXX credit card company..this is all very deceptive..on the lawyers part..my name ..wrong address..judgement already paid..now trying to collect again..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I leased a vehicle in Oklahoma from a XXXX dealership. After a period of time we moved to XXXX area. The vehicle is a 2020 XXXX XXXX ( electric vehicle ). In XXXX a recall was place for all years of the bolt due to XXXX short in the battery system causing the vehicle to catch fire. Their resolution was essentially turning the vehicle into a paperweight only to be driven in town and left outside. At the time I was in a corporate apartment and was told I couldn't keep the vehicle inside so I had to return it to the dealership. I processed all the paperwork correctly in a timely manner. Here we are in XXXX and its still not resolved due to their incompetence. I have bent over backwards accommodating them and now my credit has been hit and they are telling me that if I don't pay them they will repo the vehicle and turn me over to repossession even though they vehicle is in their possession. I'm am at my whits end and my credit is suffering for a vehicle that I can not drive. I have since purchased another vehicle and can/should not be responsible for a manufacture defected vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
On XX/XX/XXXX I traded my XXXX XXXX wrangler in for XXXX new vehicles as a leases. I was financed and approved through Ally Financial from the Dealership where I leased the new XXXX XXXX wrangler. XXXX XXXXXXXX XXXX, XXXX XXXX, MI. 

I set up my online account through Ally.com after receiving my payment instructions from Ally Financial I the mail, mid XXXX. Seemed odd that it was late, so I made my payment for XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX through my XXXX Bank. 

Representatives from Ally keep calling me telling me they didn't get the payment. Another saw they did get payment but return it. They could not answer why, I asked for a manager, they hang right up. I verified with my Bank 's manager and the car payment was paid to Ally. Ally reps continue to call me daily, caller ID says potential spam. I have been threaten that they would report me to the credit burial and they did. As a result this placed a very negative MARK on me who has outstanding credit. Ally insists I send XXXX XXXX or XXXX XXXX  for the NEXT 6 MONTHS. I then received a paper check from what appears to be legit, REFUNDING the amount XXXX PAID. I took it to my Bank to verify if it '' XXXX real. I WAS ADVISED DO NOT CASH IT. It's a scam. 

I almost sent money via their request to money gram but the clerk at XXXX stopped me, and told me to go back to the dealership, it's fraud. 

I called the dealership twice leaving voice messages with the Manager of Finance. No return call. I drove up to the dealer ship and went to my sales man explaining with all my documents. He was stumped as well, and told me he would have to get back with me. 

Meanwhile as I await, my credit has been damaged and I suspect some kind of unlawful actives have taken place using my credit.

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 2023-02-07
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NC
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 account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There is an unverified late payment, paid charge-off, and collection that hasn't been validated that's on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year, I sold my primary residence. It was financed by a loan managed by PHH Mortgage Services. Upon the closure of the sale, I had anticipated getting a refund from my escrow account of {$4100.00}. The first check was lost in the mail, so I requested a stop payment and a new check. PHH sent me a letter on XX/XX/2021 indicating a new check had been cut and was going to be sent. I never received a check, nor did it ever show up on my USPS daily mail email. After waiting until early XXXX, I again called PHH asking where my refund was. They indicated they would put a stop payment on the check and send another. Several weeks later, I received a check for ... {$1.00}. After several phone calls, I was then told the check for {$4100.00} ( that I had never received ) had been CASHED on XX/XX/2021. They then said they'd get a copy of the check to determine who cashed it and where. I was subsequently contacted by phone and email to say " we do not have a copy of the check '' and nothing more can be done. 

I am astounded at this... they're a mortgage servicer. They don't have deposit information for the check, nor an image? Further, I reviewed the daily email of scanned images of mail from the USPS - there is NO image of the envelope for this check. 

In sum, I have not received my escrow refund, nor can PHH Mortgage Services provide documentation of my having received/cashed the check. 

Please advise on what can be done. 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 2021-05-25
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: Was not notified of investigation status or results

Complaint:
Im hoping someone can help me with the violations against me. I have sent several letters to XXXX and Experian and my most recent letter has been over 60 days without a response, Experian and XXXX are in violation of FCRA 15 USC 1681a ( 2 ) ( b ). 
I never gave any written instruction or consent to furnish this information. Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violation and this violation can be fined up to {$1000.00}.

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 2023-01-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to Wells Fargo 3 to 6 months ago whereas I informed them that I wanted to speak with a mortgage banker about my mortgage for explaining of multiple entries of my mortgage payments. They had me set up an appointment and yet on the day of the appointment I met with someone other than a mortgage consultant as the person that I met with had to call someone on the phone and repeat everything that I said to that person. Yet the practice continues. Also, I recently made a {$2000.00} payment on my mortgage but rather than apply it to principal they subtracted my regular payment amount and applied the balance to principal even though I made regular payment 4 days earlier. 

I could go on and on but I hope I have said enough for you to get the point I am making. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
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 XXXX  Account XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Credit Plus Inc
State: SC
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:
There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted XXXX XXXX who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact XXXX XXXX to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XX/XX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: NJ
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:
Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX updated it XX/XX/XXXX. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. Equifax XXXX XXXX has yet to update this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account XXXX XXXX Account # 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

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