BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Last Year In XX/XX/2022 I found out that my mortgage went up by {$600.00}. I was getting ready to make my payment but XXXX does not accept partial payments. My monthly payment went up to {$2500.00}. I got no prior notice that my payment was even going up prior to my call to make XXXX payment. So I asked them for a solution. XXXX said I could file an application for loss mitigation. I received the application in the mail two weeks after my call with them. I immediately filled out the application and submitted the requested documentation through the portal. I checked the portal weekly. I also received information in the mail saying that there were missing documents. I would submit the documents again. In XXXX I received a letter saying that XXXX did not receive the documents that they were requesting and if I needed assistance still I needed to submit a new application which I did. This time I submitted all documents via email. I would even contact them once a week to make sure the documents were received. I was told they were and to continue sending in pay statements that my wife and I continued to do. In XXXX I received notice that my house could be foreclosed on because of failure to pay. I contacted XXXX again and asked what was going on. They said that my packet was not complete and my case has been turned over to a law office. I asked for a resolution. They said I had to submit certain documents and continue to send in pay stubs. My wife and I have been doing this since XXXX of 2022 with no resolution. My last call with them was Tuesday XXXX XXXX where I submitted documents and verified that they were received. They tell me it takes 7 days to review. I am not being offered any solution. I even asked if I could just pay what is owed. XXXX told me I could not because I am going through the loss mitigation process and they will not accept any payments. I received a notice from XXXX XXXX XXXX saying that if I don't file a notice with the court my house will be sold. I have not been provided a resolution by XXXX. I am constantly being told that it takes seven days. I just feel like I am not getting this resolved because XXXX wants to take my house. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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:
I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX on XX/XX/2022. 

I asked XXXX to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX stated that the accounts were verified/updated ( see the response letter from XXXX attached File # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.

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 2022-08-29
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX NATIONAL CREDIT SYSTEMS INC. called and harassed me stating that I owed a debt, violating my consumer rights. I have never entered a consumer transaction with NATIONAL CREDIT SYSTEMS INC., and I have no idea how they have acquired my credit card ( ssc ), therefore has committed identity theft, by law. I have disputed this account over XXXX dozen times with all credit bureaus, once the validation of debt with my wet ink signature was requested. The bureaus noticed they had no substantial validation of proof. NATIONAL CREDIT SYSTEMS INC. sent a contract that did not have their information on it and also the contract did not have my signature anywhere on the document. This is what they have been damaging my credit reputation with, a unsigned document from a company that I have never given my credit card, nor permission to furnish my credit report. All bureaus except for XXXX has removed this fraudulent account. When I reached out to the company for remedy they would put me on hold and Hang up whenever I asked them about phishing for my information, or my information being sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my friend sent me money twice for XXXX n again for XXXX  dollars n google pay wont release it nor accept my debit card for instant transfer which they have before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never applied for any of these items I called Experian and told them i sent in a dispute also along with a police report and they said they couldn't do nothing for me and these inquires stopping me from obtaining the things in life for me and my family.

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 2019-08-02
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid the remaining debt owed to Bridgecrest on XX/XX/2019. One month later I reviewed my credit score which displayed an open account that was previously closed once the final payment was received and verified by Bridgecrest. My credit has decreased dramatically due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo has been aware of issues with people login in to mobile banking, not having access to their money at a bank as well as not being able to using debit cards. They have been aware of this for over a month now. I have done a complaint before and they are stating I had no issues with my account or login which I have had issues going on for the past month

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 2016-11-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am apply for a refinance, from XXXX but nationstar is not giving them the right infromations nationstar shows that I have two modifications and I only had one modification XX/XX/XXXX to XX/XX/XXXX this is the second time nationstar has cause problems when I have apply for a refinance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Experian violated my rights. 


XXXX Account XXXX XXXX XXXX Account Number : XXXX : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX  Account XXXX, XXXX Account XXXX Validate Account XXXX Account XXXX XXXX. Validate Account XXXX XXXX  Account XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate Account 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 2020-02-18
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:
I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Account XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

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 2022-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I informed the company that they are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, they started in writing that the debt was verified and that these items are being reported correctly. They have NOT provided me with a copy of ANY original documentation ( a consumer contract that my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required Section 611 ( a ) ( 7 ). In the last interaction, the company said that they will no longer reply to my request to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
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 sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have been filing compaints against Capital One since XX/XX/2019 with CFPB and they have assisted Capital One in violating the Credit Card BIlling Act. I called CFPB states it was referred to XXXX. Call XXXX they states been referred back to CFPB. Capital One has promised me multiple call back and refunding the {$1000.00} and 7 months later still nothing.I am now submitting a complaint for conflict of interest with CFPB. every agency has assisted this card company in violating my consumer rights and i now want CFPB to refer this to whatever agency regulates CFPB. Capital One billed back this {$1000.00} multiple times after crediting and exceeded the FEDERAL LAWS that allow bill within 2 cycles!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
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:
online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX we purchased a trip through XXXX on XX/XX/XXXX. It was a travel all-inclusive package for the dates in XX/XX/XXXX for a total amount of {$3400.00}. with the following payment structure : 1st Paydelay {$98.00} 2nd Paydelay {$560.00} 3rd Paydelay {$560.00} 4th Paydelay {$560.00} 5th Paydelay {$560.00} XXXX Paydelay {$560.00} 7th Paydelay {$560.00} My Citi Bank credit card was charged a total of 6 of the 7 payments ( line items 1-6 above ) ( the 7th line item was paid via DIFFERENT credit card and already returned to me ). 

Citi Bank has returned only line item 1 ( {$98.00} ) The other 5 payments have not been returned and I am told WILL NOT be returned because XXXX will not give me my money back even though THEY cancelled the trip at the last moment due to COVID-19 restrictions on travel. ( Attached letter from XXXX  ) Efforts to work with Citi Bank have been going for months and they have repeatedly told me there is nothing they can do which I feel is a disservice. I paid for goods I never received cancelled by the vendor in the form of a letter instructing me to contact my credit card company. 
I want my money back! 
I believe they owe me {$2800.00} by my records.

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 2019-08-05
Company: EQUIFAX, INC.
State: CA
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 have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a subscription customer of XXXX, which charges a monthly fee of {$32.00}, while you keep your subscription, members are sent cologne/perfume sample size containers per member 's choice that are selected from XXXX XXXX catalog listings. 

I joined this service on XX/XX/XXXX. In I canceled my subscription after 29 boxes were received. I canceled the subscription on XX/XX/XXXX, with scentbox through my scentbox portal. My online account at XXXX shows the status of my account to be " EXPIRED '' and states that I would have to reactive the account. However, with this cancellation being complete it, in fact, end a consumer relationship with scentbox and revoked the authorization for them to continue debiting my account at PNC Bank. 

Furthermore, unfortunately, this was not the case. XXXX continued to auto-debit my account after the authorization revocation. XXXX XXXX debited my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all in the amount of {$32.00} totaling {$490.00} stolen from my account since I am not a member and NOT receiving any goods or services for this money since I canceled the account and have that documentation. 

I have attempted to contact the number listed under customer service for scentbox and am told there is no one for me to talk to about the matter. I then to PNC Bank and spoke with a banker who filed a dispute of these charges but never kept or made copies of the documentation that I brought with me to give the PNC banker. I honestly do not even think she looked at any of the documentation I had. I was given a provisional credit but whatever scentbox said to PNC they reversed the provisional credits on XX/XX/XXXX even with the account documentation I have straight from XXXX 's account for my account being closed. The banker even told me that I could not revoke authorization for them to debit my account even though federal law states that I have notified them that they do need to stop them from debiting my account. 

This is my last ditch effort to resolve this issue and get my money back otherwise I will be forced to take legal action as the remedy.

Company response to consumer: Closed with explanation