BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. 

account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Carvana Group, LLC
State: AL
Product: Credit reporting 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've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are XXXX XXXX XXXX CARVANA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XX/XX/XXXX XXXX team of XXXX assigned to my case set me up for the deferral payment of the months from XX/XX/XXXX to XX/XX/XXXX XXXX payment required that day And my next payment until XX/XX/XXXX Per XXXX. Said I would get a confirmation letter next day. I called back on XX/XX/XXXX XXXX from litigations dept saying give u more time for SLS to send the confirmation letter. 
I have not received the confirmation letter please update me cause I dont want issues Id have to report it to the financial protection agency if I dont get back within XXXX hours Now as of yesterday I was told they didnt do it. This is unacceptable. I need someone form the corporate office to fix the issue of the reps that dont seem to be doing things correctly

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 2023-12-07
Company: Cascade Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.

1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of XXXX, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.

5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations XXXX and what actions he or she has taken in relation to this accoun Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of XXXX  and the Administration of Justice Act XXXX  which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CarMax, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have inaccurate accounts and inquiries on my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items are investigated and removed from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: AZ
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:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/2023. PLEASE REMOVE PURSUANT TO SECTION 605B.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: TN
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: In progress
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am utterly dismayed by the recent handling of my Capital One rewards credit card account. In XXXX, I opened the account with a {$300.00} limit, only to have it unceremoniously closed by Capital One in XXXX. I diligently monitored my account through the mobile app and discovered that my payments, which I have bank statements to confirm, were consistently rejected. 

Upon reaching out to Capital One for an explanation regarding the restriction placed on my account, I was informed that it had been closed, leaving me responsible for an outstanding balance, which has now ballooned to {$400.00}. To add to my exasperation, after I made the minimum payment of {$62.00} on XX/XX/XXXX, it too was inexplicably returned. Consequently, my balance has swelled from {$300.00} to {$400.00}. 

Regrettably, I can not acquiesce to this situation. Capital One 's actions, or lack thereof, are not only unacceptable but also professionally and morally reprehensible. If a resolution is not reached promptly, I am left with no alternative but to explore legal avenues to rectify this grievous error. This situation has shaken my trust in Capital One, and their conduct in this matter is, without a doubt, the most deplorable I have encountered with any credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX  XXXXXXXX XXXX XXXX Date XX/XX/21. I did not give this company permission to access my credit report because I was already approved by XXXX. The dealership used my Social Security number without my consent. I had no knowledge of this inquiry.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BUS ADMIN ODA , 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 a account without my written instructions

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 2023-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened a savings account with Citizens and deposited {$2000.00} from my XXXX account. Later the same day, I could not access my account and the customer service representative said they closed my account and the money will be returned in 2-3 business days. XXXX posted the transaction the next day so I know the money went through. It has been longer than 2-3 days and I still havent had my money returned back to my original XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Problem XXXX : I called to see if I had an FHA loan, or conventional loan. I was told it was FHA, and it Rushmore is saying it is conventional, but will not provide the the promisory note that was supposedly signed in XXXX of XXXX. I was forced to refinance to take my ex-husband 's name off the mortgage, when if my son could've assumed the loan, that was our financial preference as the interest rates were much lower, and I could continue to pay extra in the principal, thus paying my loan off faster. I would like this investigaged because Rushmore Loan Management is unable to provide a promisory note supporting their claim that my mortgage is no longer an FHA loan. 

Problem XXXX : UNRESOLVED. I had to call to get my 1098 statement. The statement was provided to me on XXXX " XXXX '' or that's the date the company is using. I uploaded the document on XX/XX/XXXX. When I did so I observed that they had a greatly reduced amount that I had paid in my taxes. My taxes did not decrease by 50 %. Given the refinance, I am aware of my taxes. I called, and requested another 1098. They provided the same 1098, is someone stealing money? Each phone call is over an hour. The first part of the call connects you to a call center. This person says, " I will connect you with the correct department. '' I asked the name of the department, and the person repeats, " I will connect you with the correct department. '' Is it that they're grossly negligant and unable to run a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Ive been trying to modify for over a year and a half they keep asking for payment stubs and letters I have provided everything I am now in bad debt XXXX and my credit is bad due to this rotten company. I have called several times and asked for manager to call me back. I have gotten nowhere with them, they are just making me XXXX XXXXn their water

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked XXXX, TransUnion, and XXXX to reinvestigate the following account. XXXX XXXX XXXX - Account # XXXX. However, they stated that everything was completed and accurate. How is that possible if the status of the account is reporting Account Charged Off/Never Late, with {$1700.00} written off and {$1800.00} past due is incorrect? In addition, reporting the account late monthly on a Charged Off Account. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States a Consumer Reporting Agency can not furnish a without written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( a ) ( 1 ) : States a person shall not furnish any information relating to consumer to any Consumer Reporting Agency if the person knows and/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 2024-01-06
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
We received a letter from Wells Fargo in late XX/XX/XXXX. The communication was dated XX/XX/XXXX, from Wells Fargo Customer CareXXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) stating : " During a recent review of our current and former customer accounts, our records indicated that you were enrolled in the Identity Theft Protection- Affinion product. The enrollment began XX/XX/XXXX and ended XX/XX/XXXX. 
If you feel that the enrollment in this product was not authorized or not warranted by you, please call us within 60 days of the date of this letter so that we may care for any impact this enrollment may have caused. Otherwise, no action is needed. 
If you have questions regarding enrollment in this product, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX. We accept telecommunications relay service calls. 
Thank you, Wells Fargo Customer Care '' XXXX  XXXX MEMBERSHIP NUMBER XXXX Reference Number XXXX We called the number provided in XX/XX/XXXX. We asked why, if the service were discontinued in XX/XX/XXXX was our Wells Fargo account debited {$15.00} each month through XX/XX/XXXX? We were offered a refund of {$170.00} for " interest and fees ''. We requested refund of the full amount debited from our account over 13 years, ( {$2400.00} ) for a service that no longer existed. This resulted in an agent " graciously '' offering to add {$250.00} additional to our compensation. With each hold and transfer, agents would give first name only and no call back information. It was obvious that this third party did not have authority to reverse the charges against our account. Their resolution was to mail {$420.00} to us along with a letter to initiate litigation. This " Wells Fargo Customer Care '' call center is merely a time consuming buffer to Well Fargo 's responsibility to customer care.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2019-09-04
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent several certified letter requesting the validated with documentation with my signature and my authorization to share my private medical information with a XXXX XXXX XXXX. 

Below is the letter I sent to the company and they had 30 days to respond and did not. 

Not surprisingly, I have NOT received evidence bearing my signature which would serve as proof of the above referenced account being reported accurately. 

Let this serve as confirmation that your explanation and description of procedures used to reach your conclusion are documented as evidence in my ongoing quest for justice. Your inability to provide ample evidence of the procedures and methods used to determine the accuracy and completeness of the information in question is also sufficiently documented. 

I am requesting to be provided with the following information for each individual who verified this alleged account : * Full Name * Mailing Address * Telephone Number This provided information will be used to inquire on specifically how they " verified '' without provided the previously requested evidence bearing my signature. 

Per a Federal Trade Commission opinion letter a simple printout of a bill or even an itemized document does not qualify as " verification ''. The opinion letter can be found here http : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX XXXX a XXXX % XXXX % XXXX % XXXX Please immediately provide the previously requested evidence bearing my signature, or DELETE this account at once as it is clear there is no proof or binding obligation between myself and the alleged account. 

It goes without saying that I will continue to keep diligent records of all communications and correspondences and if this final attempt goes unresolved I will be filing formal complaints immediately with the agencies cc 'd on this communication. 

Your non-compliance with the FCRA and FDCPA exposes you to damages for such violations. I will seek a minimum of {$1000.00} in damages for each violation. Small claims would be filed for : XXXX Defamation * Violating the Fair Debt Collection Practices Act, particularly Section 807-8.

* Violating the Fair Credit Reporting Act, particularly Section 623-B *  Negligent Enablement of Identity Fraud The court is likely to request your presence in my local jurisdiction.

Company response to consumer: Closed with explanation