BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-25
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of today, I am only one month behind on my mortgage payment for my condo located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. It is currently up for sale and I have already moved. The condo was purchased prior to the housing market crash, so I owe more on it than it is worth. I can not wait to get rid of it. 
My concern is that the mortgage company Dovenmuehle Mortgage , Inc. has not  been posting payments sent to them, and have not even cashed a couple of of checks I have sent them. Dovenmuehle Mortgage Inc ( DMI ) claimed not to have received a cashiers check I sent them from my credit union, but I have proof that they did receive it from my credit union, which I will attach. I also sent them a check from my XXXX XXXX Checking account, check number XXXX dated XX/XX/2018, which still remains outstanding/not cashed. 

These are a few of the problems that I have reported previously about this company. This is very serious, and this company needs to be investigated and shut down. The statements that they have sent to me are hardly ever accurate. Something needs to be done and action needs to be taken on Dovenmuehle. Dovenmuehle is making it difficult for me to get rid of the underwater condo, that I still must pay a condo fee on  every month plus utilities, which if costing me even more money I simply do not have, well at least until I can get this condo sold via a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: GA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Mr. Cooper Group Inc.
State: MN
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:
My mortgage loan was transferred from XXXX XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX while on a forbearance plan due to hardships associated with COVID. Immediately upon receiving my loan, XXXXXXXX XXXX and XXXX XXXX XXXX ( XXXX  ) reported me 120+ days late. They did this for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon complaining, XXXX XXXX corrected their error. But, XXXX did not. I reached out to them and they said they had never done that and they send me a letter in XX/XX/XXXX confirming that. XXXX loans were then transferred to MrCooper, and as of today, I have tried to fix this issue but they cant resolve it because they say that XXXX must correct it not them. I have filed reports with the bureaus, I have escalated through MrCooper, and they wont help either. This has created tremendous hardship because I cant refinance due to my credit being impacted by these 3 x 120+ Lates. Help!!!! Please. Someone needs to hold XXXXXXXX XXXX XXXX  and Mr Cooper accountable to report credit accurately. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
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:
Hello, I have been trying to get USAA to stop reporting incorrect information to my credit report for months. They are reporting four accounts they have cancelled the contract for ; {$1900.00} was cancelled on XX/XX/XXXX, {$9500.00} was cancelled on XX/XX/XXXX, {$10000.00} was cancelled on XX/XX/XXXX, and {$4400.00} was cancelled on XX/XX/XXXX. They have since reported these same four accounts as outstanding late/derogatory accounts on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to contact them and they will not access my accounts without me bringing my accounts current which is counter intuitive to the issue I am trying to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
The company below keeps putting the same invalid collection account onto my credit and providing inaccurate dates and amounts ; two times within 4 months. Originally, when this was disputed in XXXX, XXXX, the company lied and stated to the credit bureaus the account was verified with an fake balance and inaccurate full name, S.S. number, and wrong address ; never received anything in the mail. Now, since this has been brought to their attention, they put a new a collection onto my credit with a different amount and date account opened. This is fraudulent collection company who is making illegal collection attempts, as well as attempting to get paid even though the original holder, whom was paid though my Health Insurance carrier was paid, which never stated I had I bill. They also threatened me, saying we will get you because no one has your same name ; all happened when I called to address the unfounded charges and fake account. 

Account Name WAKEFIELD & ASSOCIATES I Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$810.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$750.00} Account Name WAKEFIELD & ASSOCIATES I Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. 
Status Updated XX/XX/XXXX Balance {$790.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$750.00} Highest Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the XXXX XXXX of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection INNOVATIVE RECOVERY is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I reached out to JP Morgan Chase Bank via email at XXXX As shown attached, the email stated the following : I am searching for funds that remain unclaimed and were last known to have been deposited between XXXX and XXXX from the State of Tennessee Child Support Program. The JPMorgan Chase account the funds were deposited into was account # XXXX ; routing # XXXX My name is XXXX XXXX XXXX XXXX XXXX and I am the account holder. On yesterday, XX/XX/XXXX I faxed two forms of ID, including my Driver 's License and Social Security card to the attention of JPMorgan Central Support Unit at Fax # XXXX. In doing so, identifying my relationship with this account, I hope to speed up the process in searching for the unclaimed funds. 

Should you have any additional information on the funds deposited into this account, please update me. I would like to claim the money, as XXXX through XXXX deposits were never received. 

Thank you for your assistance. 
_______________________________________________________________________ On XX/XX/XXXX, in response to this initial email, the bank requested that I follow up with an in-person branch visit. 
_______________________________________________________________________ On XX/XX/XXXX, I responded on my outcome after following through with JP Morgan Chase 's request to making the in-person branch visit. Within the detailed response, I informed the bank that in making the trip, I had only been inconvenienced and found no recourse. 
_______________________________________________________________________ On XX/XX/XXXX, I received a letter from Chase. Not to acknowledge the bank 's abandoned property division and my rights to a fair opportunity to file a claim, the bank refuses to investigate my lost money and eligibility to make a claim to it, according to the XX/XX/XXXX letter. 

The total loss is {$5100.00} in payments deposited into the Chase account # XXXX : routing # XXXX. The deposits were made between XXXX and XXXX. 
_______________________________________________________________________ Beginning XX/XX/XXXX, a card was issued to me from Chase Bank. In regards to the funds deposited onto the card, the bank is refusing to notify me of where they are. I strongly feel as though I am being denied an equal opportunity, being that I am denied of rights to abandoned property. This is unfair when the department remains actively in operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft. The following accounts and credit inquiries are all fraudulent accounts and credit inquiries : XXXX XXXX XXXX XXXX, {$3300.00}, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I filed a police report with the XXXX Police Department. The police report case number is # : XXXX. The XXXX Police Detective who wrote the police report and is the investigating officer on the case, his name is : XXXX XXXX, of the XXXX Police Department Fraud and Forgery Unit, and his phone number is # : XXXX. Detective XXXX can verify that all the above accounts and credit inquiries are all fraudulent accounts and credit inquiries that are not my accounts or credit inquiries.

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 2022-02-17
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi! I am writing about the Navient private student loan settlement plan. I took out student loans, from then XXXX XXXX, from XXXX to XXXX, totally roughly $ 70k to attend XXXX XXXX in XXXX, MA. If i recall, these loans had subprime rates at the time. 
Upon graduation, my bill came due to over {$1000.00} per month. Instead of being offered additional payment options, I was often times harassed for being unable to make payments then placed into forbearance, on multiple occasions. After still not being offered resolution upon the forbearance ( s ), the late fees ruined my credit score at the time, and my accounts were placed into collections ; where I was finally offered a reasonable payment agreement and chances to settle. After faithfully paying my agreements for nearly a decade, my current balance ( of the original $ 70k borrowed ) is {$140000.00}. 

Based on my understanding of the settlement, private loan holders will receive relief if : -Loans were to subprime lenders ( i had barely any income and a co-signer, but my score was low and the rates were high!! ) -Loans taken out between XXXX ( I qualify ) -Loans has defaulted 7 consecutive months ( my loans have been in collections for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it may concern under 15 U.S. code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is idenity theft. A copy of the law is attached with this dispute letter. 
Concerning the account listed below as a consumer im demanding a deletion of this account XXXX  XXXX  ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX XXXX XXXX XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.|

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Navient Solutions, LLC.
State: PA
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:
The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: VW Credit
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
XX/XX/20 I called Volkswagen Credit to buy my car out of the lease since it is terming. After waiting 32 minutes, the representative said that I have to go through the XXXX XXXX XXXX to do that. I called numerous times to talk to the finance department without success. 
XX/XX/20 I called the dealership again and made a complaint. They transferred me to the sales manager who told me that he would have to run my credit to buy it out of the lease. I did that, but Volkswagen Credit unfairly offered a loan at 11.5 % apr. I reached out to the sales manager about this, but he did not respond. I ended up working a deal with my own bank. 
XX/XX/20 I tried to get the Lease Buyout Package spending 4 hours on the phone without an answer. I tried contacting the corporate office, but they just transferred me to hold an additional 30 minutes. I still can not get what I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My name is XXXX XXXX, Account # : XXXX I have been a member of NFCU for 3 years now, and I have accumulated {$1000.00} 's of dollars in various fees including ( {$29.00} ) " returned check fees '' " insufficent fund fees '' over the years. Last month was the last straw. I accumulated 3 in the same month from companies being allowed to charge my account somehow when I'm in a negative balance. I am being taken advantage of by NFCU and there's nothing I can do about it. I have called the company on multiple occasions to not let any charges through if I don't have the money in my account to cover it. I have asked multiple times for refunds on these charges, never happens. They are crooks and stealing my money, as I am going through financial hardships, causing me to go deeper and deeper into a hole I can not recover from. This is causing me emotional damage and extreme stress leading to health issues, I demand ALL of these illegal fees ( not just the insufficient funds and returned check fees, ALL of them ) be credited back to me immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: SC
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:
On XXXX XXXX, 2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. On XXXX XXXX, 2022, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly medical collections/charge-offs. Please see attached spreadsheet with account numbers and balance due. I have also attached a copy of my credit report for reference. These account balances need to report a {$0.00} balance and {$0.00} past due. I have insurance with XXXX. I have attached a copy of my insurance card as well. The insurance company did not file the claims even though they are contractually obligated to do so. Their lack of due diligence has consequently caused the accounts to go delinquent and report late with a balance due. This negative reporting is seriously harming my credit score and these accounts need to be reported accurately. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2019-05-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Sent letter via certified mail, company failed to comply according FCRA guidelines. Company failed to respond within 30 days.

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