BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 my wife and I entered into forbearance protection with Dovenmuehle Mortgage Inc. Due to Covid 19. 

We were told to call at the end of XXXX or beginning of XX/XX/2020 to see what options were going to be available to help us through this pandemic. 

We called back on XX/XX/2020 to check in and was offered a loan modification as an option. We selected the loan modification option and were told it can take up to 30 days to process. we were also told to start resuming our normal payments if we did not hear back from them ( Dovenmuehle Mortgage Inc ) by XX/XX/2020. 

We paid the regular payment for XXXX on time. We called in for an update on the loan modification around XX/XX/XXXX. At this time there still wasn't any information available as far as an update on the loan modification. 

We proceeded to make our XXXX payment on time. 

XXXX XXXX we were contacted by Dovenmuehle to ask if we wanted to extend the forbearance for 3 more months. We then asked about the status of the loan modification again and were told they do not have an answer. 

Friday XX/XX/XXXX, I was notified through my credit monitoring app that Dovenmuehle had reported the account 90 days late even though I was protected. 

My wife 's credit was also damaged by this as well.. 

I immediately called Dovenmuehle and spoke to XXXX and was told it was an internal error and that it shouldn't have happened and that it will be rectified. Also spoke to XXXX a senior representative and was told the same. 

XXXX said I would be emailed a letter explaining that the issue was on Dovenmuehle 's end. 

I still have not received the email and Since Friday XX/XX/2020 all three of my credit reports have been updated to 90 days late and my scores have dropped XXXX XXXX points. This is very damaging to my creditworthiness and was told it could take up to 45 days to rectify their mistakes. 

My wife 's scores dropped significantly as well. 

We were told to email their research department to let them know what had happened. 

We are not very confident with Dovenmuehle at this point. 

They can not be allowed to treat consumers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX had judgement for {$2300.00}. They turned it over to Southwest credit. On XX/XX/2023 I paid debt off at a reduced rate. Spoke to a person who said his name was XXXX XXXX and said he was a supervisor. Asked for written confirmation and was assured it would be mailed. Called again XX/XX/2023 and was told they would email me. No email, called again on XX/XX/2023 and was told I would have a email within 72 hours. No email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Through my BOA mortgage I pay my taxes and insurance through escrow. For some reason there is always a delay with the escrow account not paying my homeowners insurance policy with XXXX XXXX and I would like to have it addressed especially since I received a letter from the insurance company saying that they will terminate my policy by XX/XX/2020 if they do not receive payment soon. I received a similar letter from BOA dated XX/XX/2020. I received this letter on XX/XX/2020. The instructions on the letter states that I should upload my current policy to ihaveinsurance.com/bankofamerica and the loan number which was done. I think the issue stems from my property have different addresses listed with the postal service and township. The address listed with the township is ... 

XXXX XXXX XXXX XXXX PA XXXX and the address with the postal service is XXXX XXXX XXXX XXXX PA XXXX These two addresses are for the same property and is listed as such on the letter I received from BOA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

ructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Genesis FS Card Services, 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:
An account was opened with Genesis financial solutions XX/XX/23 that I didn't approve there is a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$910.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-11-14
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Purchased a {$580.00} XXXX XXXXXXXX from XXXX. Billed on XX/XX/2022. 

XXXX XXXX XXXX. XXXX Shipment tracking XXXX XXXX Delivered On Monday, XX/XX/XXXX at XXXX XXXX at Front Door {$55.00} discount was given to the order for a {$55.00} refund but the date of the discount is backdated to XX/XX/2022 prior to the purchase. The purchase was paid through Affirm on XX/XX/2022 for {$580.00} then there is a {$55.00} refund adjustment with a date of XX/XX/2022. 

XX/XX/2022 I paid {$98.00} to Affirm using my checking account to pay Affirm. Thus at this time the remaining balance was {$430.00}. 

XX/XX/2022 a {$50.00} shipping charge was created and a shipping label sent via email for the return. 

Returned the XXXX XXXX Return shipment XXXX Delivered On Friday, XX/XX/XXXX at XXXX XXXX at XXXX  XX/XX/2022 Received an email confirming receipt of return item and affirmation that a return of funds would occur. 

XX/XX/2022 Disputed the {$98.00} payment paid on XX/XX/2022 using my checking account because no refund had been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: QUALITY ACCEPTANCE LLC
State: NV
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
rmp llc account number XXXX this has been a torture to me and my credit, i know the .law and this is also illegal this is not my debt please delete this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I logged into my USAA checking account. I discovered that {$30000.00} was missing from my checking account. I called USAA and they stated that I had requested a transfer to another members checking account at XXXX am. They summarized it as a transfer from my account ending in XXXX to an account ending in XXXX in the name of XXXX XXXX. I informed them that I had not made this request. They also told me that the account ending in XXXX was missing from USAA at XXXX am that same day. 
On XX/XX/2023, I received an email from USAA telling me that they no longer wanted to maintain a banking relationship with me. They closed my account and cancelled my credit card. I had other funds in that checking account that I no longer have access to. I also had automatically deposited my military pension check, my wifes retirement check and social security checks. I was unable to get these deposits rerouted without warning. USAA has kept all these funds. I have not had a cent to live on. They are reportedly freezing all my accounts for 60 days during their investigation. I have tried calling to get this corrected but just keep getting routed to phone support in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not gotten any help with this matter. 
I was told that they had experienced a data breech in XXXX of 2023, my account was XXXX affected. I had to borrow money from a neighbor to visit my wife in hospice. With my funds frozen I am unable to continue to pay for her XXXX care. USAA does not seem to care. XXXX a XXXX XXXX veteran that is unable to buy groceries. I tried visiting the bank office to see if I could speak to a bank XXXX, but they could not accommodate this request. 
My wifes care is {$4000.00} monthly and they will be charging me 10 % for late fees since I was unable to pay on time with my funds frozen. What can I do? Is USAA being reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Citibank calls my phone numerous times a day and has broken the XXXX for XXXX rules. I have attached proof of the harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Aldous & Associates, PLLC
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: Account status incorrect

Complaint:
I dont know how your agency can continue to close the complaints out and let these illegal collection agencies off the hook. They never sent me anything about this debt.. NEVER!!! REG F 1006.34 requires written notification about it that prior to placing something on somebodys credit file. Doesnt allow you to email the initial disclosure. And they never sent me the initial disclosure to begin with. Not only that in one of their replies to me, they broadcast in an ad they believed it to be mine and I told him that was not what I live anymore. Still, they continue to claim that you sent the information to the address Ive told him is not mine. My next phone call will be to an attorney.. if you dont believe, Ill sue, look me up on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled my credit report only to find that there were accounts being reported illegally with XXXX, XXXX, and TransUnion. They are in direct violation of 15 U.S. Code 1681s-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Union Home Mortgage Corp
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can not get any information from this company, Union Home Mortgage as to why they are paying mortgage taxes from an escrow account XXXX months ahead of time. That seems excessively early to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: HW Holding, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I had purchased a flight ticket for my wife throw XXXX .Flight was delayed for about 2hours and made her miss the rest of the flights. 
We were covered for full refund under XXXX  policy .they told us to file a refund application and with in 30 days, we will receive the money back .After 30days, i never got the refund, I contacted them and they asked us to wait more time with no specific date .i waited then I filed claim with capital one credit card services .They answer stating that I didnt contact them for the refund and If I have their refund policy .So I did provide documentations and proofs about their policy and the delayed flight refund application .Those documents proved my rights and also showed how XXXX  is commenting fraud. 
Capital one closer the case even I have proved all my rights to them, agents doesnt Seems to care and I feel that I have been neglected and took advantage of .I just want my rights as citizens of the united state and as the low says so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief