BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: Movement Mortgage LLC
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 is missing that should be on the report

Complaint:
Mortgage was opened on XX/XX/2019, now its showing closed on my credit report and not reporting. Account has been paid 3 months now and no payments are being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax isn't updating my credit report. Its been over 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: C/C Financial
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
As of today, XX/XX/XXXX, TWO ( 2 ) months since this account was PAID IN FULL, there have been NO refunds credited to our bank account. As per our communications up to this point, my wife and I have been told NUMEROUS times that : ( 1 ) The refunds have been submitted ( 2 ) the refunds have been approved ( 3 ) the refund requests had to be transferred to a new department as part of the merger ( 4 ) the refunds have been sent for approval ( 5 ) you should see the refund in 7-10 business days ( 6 ) you should see the refund in 5-10 business days ( 7 )  you should see the refund in 5-7 business days ( 8 ) we can not see anything past the refund being approved ( 9 ) there was only one refund approved, we haven't heard anything about a second ( 10 ) we see the second refund and have submitted it ( 11 ) the second refund has been approved. 
( 12 ) If you don't see it in your bank account by _______, please call us back. To which we have done. MANY, MANY times. 

We have gone through the process of verifying the bank account information, ( to which I am VERY aware that IF there was any issue with my banking information after the refunds had been sent, that your office would have received notification that the refunds were returned to your company. THIS IS NOT THE CASE. We bank with a credit union whom is local and they have NO RECORD of there being ANY attempts for your company to make any deposits into our account. Our payment information hasn't changed, our banking information such as the routing and account number have not changed. 

ALL of this communication has been documented on your end and MINE. I am in the process of having our attorney draw up some final paperwork as well as file a couple of complaints with the XXXX XXXX XXXX, the Wyoming Attorney General 's Office, and the Consumer Financial Protection Bureau. I expect at this point to see some results from your office and hear from someone TODAY. I have left you two voicemails to this point and am willing to leave even more. At this point, in my mind, this is considered FRAUD. 

You have also been emailed with no response as seen below. If you don't have the answers for us on WHEN we will be getting these funds owed to us, which, BY LAW, you technically have 7 days to return, then PLEASE GET SOMEONE TO CALL ME WHO CAN ANSWER WHY WE DON'T HAVE OUR MONEY. NOT your company 's money, OUR money. 

Again, for your reference, this is the balance owed to us : Payoff amount : {$1000.00} Pay off check : {$1200.00} Overpayment : {$200.00} Approved XX/XX/19. ( 13 DAYS ) Additional payment taken {$130.00} Refund balance {$330.00} SAME AMOUNT SHOWN ON MY PREVIOUS EMAIL Payment approved XX/XX/XXXX {$130.00} Approved XX/XX/19. ( 19 DAYS ) TOTAL OWED TO US {$330.00}

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 explanation
Consumer complaint received 2021-11-02
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted XXXX to get account information and representative was unable to provided any account information and account shows as charge off or satisfied. No collection agency information was given during call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Affidavit of Truth This is a notice to all that I am XXXX XXXX, I swear and affirm the following facts.WellsFargo Auto ( Bank ) is knowingly and willfully continuing to violate my rights as a federally protected consumer under the FDPCA 15 USC 1692. WellsFargo Auto ( Bank ) and their representative XXXX ( XXXX ) XXXX, is choosing to disregard my cease and desist that was sent to them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by calling my phone without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction pursuant 15 USC 1692c ( a ). WellsFargo Bank should not be calling my phone for any reason once such notice of ( cease and desist ) from the consumer is made by mail, notification shall be complete upon receipt pursuant 15 USC 1692c ( c ). Furthermore, he is calling me at a time thats inconvenient to me, which is another violation of 15 USC 1692c ( 1 ). He wasnt there for the open end consumer transaction therefore he has no grounds to speak on my case or anything involving my case because he is going off of hearsay and infringing on my rights to privacy. And because I didnt give them consent and gave them a cease and desist and they keep harassing me anyway theyre in violation of 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. WellsFargo Bank and any of their representatives do not have permission to contact me. Wellsfargo only have permission to respond to me in writing and only with an Affidavit of Truth rebutting my Affidavit line by line under the penalty of perjury or my AFFIDAVIT STANDA AS TRUTH IN COMMERCE AND TRUTH AND MATTER OF FACT IN LAW. Silence is acquiescence. Responding with anything else is not a response and doesnt matter in a court of law. And lastly if they need to respond to my complaint by invoking my specified remedy they should do so in writing through cfpb and through the mail. I am enforcing my rights 15 USC 1692 and WellsFargo Auto ( Bank ) and their Rep is liable to me under 15 USC 1692k. 
Welsfargo Auto that they are on notice and demanding they comply with my Cease and Desist and not contact me regarding this alleged debt anymore unless they are invoking my specified remedies or that they intend to invoke a specified remedy or to advise that further efforts are being terminated, Pursuant to 15 USC 1692Cc ( 1 ) ( 2 ) ( 3 ). 

AGAIN, DO NOT CALL MY PHONE OR CONTACT ME THROUGH ANY MEDIUM IN REGARDS TO THIS ALLEGED 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 2021-03-26
Company: CONRAD CREDIT 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: Old information reappears or never goes away

Complaint:
Received an alert on my monitoring that a new collection is reporting with Conrad Credit Corp. I have no idea what this is and if it was to have opened in 2016 why is it just now reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had XXXX at the time

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 2021-11-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CarMax, Inc.
State: MO
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 viewed my XXXX credit report and noticed 4 inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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:
I listed accounts I found on my credit record the accounts on file are fraudulent accounts those accounts not belongs to me this is a identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX  issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

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 2020-07-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a deposit into my Chase account from the XXXX XXXX XXXX. into my personal account. 

Chase blocked my access to the account and then asked that i send them some info from the IRS. faxed it. 

then get an email saying I cant use the account but no reason why. Chase is full of XXXX. mind you all the times I sat on hold for upwards of hours!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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:
this information I listed the fraud accounts I found 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 2021-05-20
Company: Credit Plus Inc
State: IN
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:
- XXXX - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. 
- Credit Plus - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Exeter Finance Corp.
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:
I filed a dispute in regards to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Progressive Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive is charging me over 2,000 $ for something I never used. I dont own a car I dont own a insurance so I dont know why are they charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Credit Card Commenity Capital Bank sold a debt that was not valid to XXXX XXXX. Commenity Capital sold the debt after failing to provide validation of debt under 15 U.S. Code 1692g. 

The debt is not valid. Commenity knows the debt is not valid. The entire account must be removed from my credit report not sold and sold again to try to legitimize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Unable to activate the EIP stimulus visa debit card. The card is issued thru MONEY NETWORK CARDHOLDER SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We have an important message from Associated Credit Services. This is a call from a debt collector, please call XXXX XXXX XXXX claim To be supervisor didnt give me his supervisors name as XXXX I do not know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TRANSUNION FAILED TO CORRECT A DISPUTE

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 2019-06-06
Company: Experian Information Solutions 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:
This account is reporting inaccurately on my credit report 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 2020-12-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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:
These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Completed 3 modification trial payments XXXX XXXX, XXXX, XXXX XXXX, 2021 and XXXX, XXXX all 3 trial payment in the amount of {$1600.00}. Received final modification documents for my mortgage it is a balloon mortgage. My previous mortgage was a fixed term FHA mortgage and to accept the balloon note is setting me up to lose my home. Resubmitted mortgage assistance request. Fixed term again for the 3rd time received a denial letter for 1st request to have a fixed term mortgage. I have resubmitted my request again I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
This account has been paid off for over a year but its still showing up as a delinquency although paid and closed. I also received a credit back from XXXX  XXXX XXXX. This is keeping my score from moving forward which is keeping me from things I need to be a productive part of society. Please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: U.S. BANCORP
State: AL
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:
Us bank is reporting an account on my file that is not mines

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 2018-07-27
Company: SYNCHRONY FINANCIAL
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:
There was an inquiry taken place by SYNCB PayPal that was not authorized by myself. This hard inquiry is now impacting my credit score

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 2019-08-15
Company: EQUIFAX, INC.
State: IL
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:
After reviewing my consumer credit report I noticed several fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed several unauthorized inquiries on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've tried to settle this matter several times before to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I started Dispute sent verification sent police report and verified with the retailer that my card had been stolen and unauthorized use occurred and they still denied my Dispute I even placed fraud report on my credit report they charged my address and everything

Company response to consumer: Closed with explanation