BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have opened an investigation against XXXX ( former XXXX ) with EQUIFAX. I was told that because I had a lot of documents it would be better to fax the information in. So I followed what I was told. After 30 days I receiving a DELEATION notice, after that another and another ... a total of XXXX separate deletion notices. On XXXX XXXX the trade line ( which contains fraudulent information ) with was re-instated! 
I did ask why it 's back on my file? without notice to consumer? and why the creditor was not asked to certify that the information was correct? 
I was told that : the creditor was not asked to certify the information and that it was not necessary. I was also told that Equifax somehow between the fax and phone conversation had opened more than XXXX dispute and even though all contained different information the creditor could choose to answer ONE.. that was enough to be re-instated and even though they did n't answer on time that was OK too! Now they are still on my credit report, a charged-off account for over 7 years to be exact for 7 years and 4 months. See Deletion notice from XX/XX/XXXX XXXX ( un-answered dispute =deleted ), See Deletion Notice XXXX ( un-answered dispute =Deleted ), and XXXX 3rd Deletion provided to me over the phone on XX/XX/2015. EQUIFAX did not follow any of the lawful procedures. If they made mistakes on their part they need to remove the XXXX XXXX trade line. It also defeats the purpose of the dispute process if creditors are allowed to skip over some disputed and only answer some but not others and answer in what ever time frame they wish not when they suppose to answer ... totally unlawful!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap. I also requested a video or copy of the contract between me and this company.

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 2017-03-01
Company: Dovenmuehle Mortgage, Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am in the process of trying to close on a mortgage. The seller, XXXX XXXX, who will also be filing a complaint, refinanced the house appx 7 years ago. The original lien-holder, Dovenmuehle Mortgage Inc. filed the release of mortgage incorrectly. When the title company found this when she was trying to sell it to me, they contacted Dovenmuehle to get them to send in a correction. This was in XXXX. There have since been at least XXXX corrections filed, all incorrect, and clearly in violation of the Residential Mortgage Satisfaction Act. I am asking for help in getting this mortgage released so that we can continue with the closing process. The title company XXXX in XXXX, Oklahoma has repeatedly asked for a copy of the release before it is filed to make sure it is correct, and Dovenmuehle has refused every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was doing a annual credit report and saw that my credit report was already viewed on XXXX/XXXX/15 and could n't get a free credit score and report on Equifax. Todays date is XXXX/XXXX/15, I noticed that the credit report was viewed around the time my wallet was lost. It had my Driver 's license and my social security card. So I 'm almost certain that my identity is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested the following documentation as stated below directly from GM FINANCIAL. On XX/XX/2021, I received a response. A copy has been provided. I have also included a copy of the letter I sent GM FINANCIAL. They failed to send me the requested copies of the documents that are required by law. 
***************************************************************** Under the laws of the State of Texas UCC statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide proof that the repossession of the subject vehicle was legal in accordance with the following State of Texas UCC : 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Since no proof was submitted, this claim of a deficiency is null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: TN
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:
On this month, I reach out to XXXX XXXX  XXXX about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of XXXX working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
experian is reporting rtr financial services account is not mine please remove asap

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 2016-03-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Someone called my XXXX grandmother ( XXXX years old ) on the phone pretending to be me needing help with money to get bailed out of jail in XXXX and XXXX. This was clearly not true ( I 've never even been to XXXX and XXXX ) but she was scammed into sending {$5800.00} through MoneyGram at Wal-Mart through multiple transfers. The person on the phone convinced her that they were me and told her not to tell anyone else. She was frightened and complied. After finding out what happened, I collected all receipts from her and would like to do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XXXX/XXXX/15, I contacted Experian to dispute two addresses that are n't mine that are showing on my credit report, and they refused to update. 

On XXXX/XXXX/15, I contacted Experian again to have the addresses removed, and they again refused to update. 

They areAddress ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) and Address ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) I live in Colorado. I expect them to remove inaccurate information that is not on either of my other two credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2015-12-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this information as being fraudulent, not mine or opened by me. They refuse to remove the accounts or reinvestigate the accounts and proof they are mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CL Holdings LLC
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 was a Victim of identity theft my personal information was stolen driver license, social security, bank statement, medical and as a result of this several account were open fraudulently XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
JEFFERSON CAPITAL SYSTEM # 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 2021-05-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for the BBVA Select credit card under a " double points '' sign up bonus promotion that was running in XXXX. My application documents were completed and signed on XX/XX/XXXX. BBVA had internal submission issues that day and so my documents did not get processed immediately when they were completed ( reference attached email string page 2 for verification of these facts, email dated XXXX XXXX, XXXX ). 

Over that weekend, the " double points '' sign up bonus promotion was pulled early, however I was assured that since my application was completed prior to the promotion being pulled, the promotion I applied under would be honored ( reference same attached email string page 2 for verification of these facts, email dated XXXX XXXX, XXXX ). 

I completed the required spend for the sign up bonus, and the bonus I received for it was half of what I was expecting - basically I did not received the " double points '' bonus which I had signed up for. I notified BBVA of this issue on XX/XX/XXXX ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

I followed up to that email on XX/XX/XXXX since I had not received a response ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

I received a response on XX/XX/XXXX indicating that this was going to be investigated ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

To date I have not received the " double points '' bonus I signed up for under the promotion. I also have not received any further notices from the bank to indicate that they have looked into my issue or are looking into my issue. I followed up on XX/XX/XXXX as well as XX/XX/XXXX requesting an update but did not receive any response ( reference page 3 and 4 of email string for verification of these facts, emails dated XX/XX/XXXX and XX/XX/XXXX ). 

Since BBVA is no longer responding to my inquiries, the issue has not been resolved, and I have no way of knowing if it is even being investigated at this point, I am opening up this complaint to force a response from the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX and XXXX XXXX dont agree with the 30 days late payments then a repo on XX/XX/XXXX I believe it was 3 late payments in XXXX then repo in XXXX but they let me get the car back but still reporting late payments and repo when they let me receive the car back and still XXXX g payments and have the car till this day repo harming my credit and late payments that I thought wasnt suppose to report due to corona virus remove all late payments and repo

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 2016-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/16 I called my banking institution, Wells Fargo to request a charge of {$2100.00} to be reversed from a debit card purchase on XXXX/XXXX/16. Where I visited XXXX XXXX XXXX Fl. to have XXXX XXXX. XXXX XXXX. My plan, was after having the retreat completed ; I elected XXXX XXXX XXXX, also of XXXX XXXX XXXX XXXX, to do XXXX XXXX XXXX. 

On that day, I made a deposit of {$2100.00} to XXXX XXXX for the unscheduled svc for the XXXX XXXX. The XXXX # XXXX was to be done in XXXX parts, in which my insurance ( XXXX ) was used to cover the cost. However, due to the exorbitant billing and being prescribed a medication that I XXXX ... I decided not to allow The XXXX XXXX XXXX do any further work. 

I called my insurance to let them know that I was going to select a new XXXX, to complete the work, they informed me that XXXX XXXX XXXX XXXX submitted a claim for a completed svc even though they had not finished the retreat svc and was paid fully which left me with no benefits to see another dentist. My insurance Co. requested a refund for {$560.00} from XXXX XXXX XXXX for and incomplete svc XXXX. 

I never received and invoice from the XXXX XXXX XXXX for any svc. All I was given was an estimate sheet and a receipt for the {$2100.00}, with no detail of what the deposit was for. 

I then requested the {$2100.00} deposit to be refunded from XXXX XXXX XXXX XXXX, to no avail. So, on XX/XX/2016, Wells Fargo reversed XXXX XXXX. 
On XXXX/XXXX/16, I visited XXXX XXXX XXXX XXXX and had a XXXX finished, prepped and fitted for XXXX. On XXXX/XXXX/16, XXXX XXXX installed XXXX XXXX, XXXX XXXX and the other XXXX XXXX. 

Later that day on XXXX/XXXX/16, Wells Fargo re-reversed the funds and debited the {$2100.00} from my acct. Which now has my acct negative {$1600.00} Once I contacted the claims dept. of Wells Fargo, I was told that the merchant ( falsely ) submitted a document stating XXXX svc for XXXX XXXX. 

I am a loyal customer of Wells Fargo. In this situation, Wells Fargo did not honor its customer 's word, neither did they reciprocate the loyalty. I have submitted all pertinent documents to support my position and still Wells Fargo is waiting to hear from the other party on a false claim.

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 2021-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was part of the XXXX Equifax XXXX breach. On XX/XX/XXXX A fraudulent closed account from XXXX  XXXX XXXX XXXX showed up on my Equifax credit report and the date it appeared it automatically showed under remarks : consumer disputes, reinvestigation in progress. Charged off account. XXXX XXXX XXXX says they dont have an account with my information. How did this get on my Equifax credit report then? Something is going on with Equifax and its scary. 
I didnt even have a chance to dispute it and it wont let me follow the process to dispute the closed account myself nor can I see the progress of the dispute on my equifax account. Its clearly fraudulent. I cant get through to anyone at Equifax to help me and spent hours on the phone with them only to be disconnected by the representative. No one ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My account with Miss managed by reps causing me to be further behind affecting my credit report when I was told different by reps that claimed I could make arrangements to avoid going negative on my account when I was not able to afford to make a full month 's payment. When I unexpectedly went into collections for my loan I was surprised I was assured I would be in good standing then when I called in to address the situation I was yelled at, I was contradicted and I was asked " my version '' of the events when I confronted the ref who had made the mistake he said quote he works so many accounts I ca n't really recall what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted the creditors who placed the inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no response from their offices. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2016-03-03
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went through the loan modification process with Flagstar bank and my modification was approved with my new mortgage amount. My agreement from Flagstar bank and signed by XXXX XXXX on XXXX XXXX, 2016 as a true and certified copy. Since my new agreement, I have been making my payments on-time and I still receive collection calls from the Flagstar XXXX XXXX at XXXX, today I have receive a call from XXXX. I have informed Flagstar 's employees XXXX that I have a new agreement in place, have made my payments and request the calls to cease but they have failed to do so. I have repeated ask if they kept notes in their system on the previous calls since it is " recorded for quality assurance '' and it is apparent to me that XXXX do not keep a log of the calls that they have made to me since I had my XXXX Modification Agreement XXXX signed and approved. This action by Flagstar is gross harassment when they call my cell and home phone. If I have any legal standing to take action against Flagstar and XXXX please advise me. Attached is the XXXX to support my position.

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 2021-05-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of The West refused to close my account even though on the last CFPB complaint they stated it was closed as of XX/XX/XXXX. I will be uploading their response for proof. As of today XX/XX/2021 there has been several ACH payments which have put that account in negative balance. These ACH payments should have never went through if the account was closed like I was told it was on XX/XX/2021.

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 2021-05-23
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting

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 2021-05-23
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting

Company response to consumer: Closed with explanation