BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home in XXXX of XXXX. We put down 10 % and were required to have mortgage insurance. Immediately after purchasing our home, we completed major renovations - over {$100000.00}. When our renovations were complete in XXXX of XXXX we requested our mortgage insurance be removed. We contacted our servicer, Dovenmuehle to start the process to remove our mortgage insurance. They informed us that we needed to pay for a Brokers Price Opinion and we sent in a check for {$100.00} and the BPO was completed on XX/XX/XXXX and determined our value at {$670000.00}, well over the value needed to remove our mortgage insurance. On XX/XX/XXXX we received our first notification that we needed to pay down the principal balance to remove mortgage insurance, regardless of the new appraised value. It also stated that if we wanted to order a BPO because of renovations we could start that process -???. Over the past 9 months I have had several calls and emails with XXXX, our Servicer and our mortgage company XXXX. XXXX will tell us to contact the servicer and the servicer will tell us to contact the mortgage company. Both telling us it's out of their hands. Now they are saying that it looks like the value is good to remove my mortgage insurance, however, since I ordered my own BPO independently they can not use it. I recently had to email a copy of the cancelled check that was sent directly to XXXX to show the BPO was NOT ordered independently, but as directed by XXXX as part of their process. I am very disappointed in the process and run around I have had throughout my quest to remove mortgage insurance. Both the servicer and mortgage company have pushed me off to the other side and then have given various reasons why they can not approve the removal. 

Purchase Price : {$570000.00} Down Payment : {$59000.00} = 90 % LTV New Appraised Value : {$670000.00} Updated Principal Balance : {$490000.00} = 74 % LTV On a side note, I have 27 years of mortgage experience, so I understand the guidelines and requirements for removing mortgage insurance. I have been VERY patient and my patience has now run out. Throughout this entire process XXXX has continued to send me the SAME paperwork repeatedly telling me that I can petition to remove my mortgage insurance by ordering a BPO if I send in a check. If I were a normal consumer without the experience I have, this would have added to my confusion immensely!! 

XXXX has told me I am able to remove my mortgage insurance and I am not sure what the delay is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Yes I reached out the Navy Federal Loan Department multiple times to let them know that they were in violation of the law and they had violated my rights and my constitutional right to the pursuit of happiness I gave them the link to your website to read the law and still told me that they did nothing wrong this has created great harm and shame me in front of my family and friends

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX Account Number : XXXX Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Monterey Financial Services LLC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Monterey financial loan issue on XX/XX/2021 XXXX XXXX XXXX XXXX contacted me. I was told that I was approved for a loan without knowing how much the loan was for. 
I tried to contact agent and loan company to stop any miscommunication pertaining to a loan that I didn't sign for. 
I do not want a school loan ... especially from any school that engages in deceptive, high pressured, manipulative tactics to recruit students in this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Early Warning Services, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX agreed to delete and close this account however, it still reporting on report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The escrow analysis statement overstated my annual hazard insurance cost and understated my annual real estate taxes, resulting in an innacurate escrow analysis and an escrow payment in excess of what is necessary to maintain the correct cushion on my escrow account in the coming year. I have provided copies of both the correct insurance and real estate tax bills on XX/XX/2020. 

The company has not responded and as a result my monthly payment for XX/XX/2020 will be more than what I should pay.

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 2020-11-07
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i was given forbearance starting in may, going through XXXX. I was buying another house and opted out to be able to get the new loan. I paid {$5000.00} on XXXX XXXX to become current. As of XX/XX/07 Dovenmuehle, the processer for XXXX XXXX, has not applied the payments correctly. this is giving me an inaccurate payoff amount now that i am selling the original home that was in forbearance. I have discussed this with several representatives of both companies and no one is able to give me information on when this accounting process will be completed. I am trying to close on the sale XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
RE : TD Auto Finance I have financed my vehicle through TD Auto finance, we set up auto payment through our Bank to be paid monthly. For the past year ( Since XX/XX/XXXX ), we have been charged a late fee of {$80.00} monthly for a total of {$1000.00}. We were contacted via phone late XX/XX/XXXX by TD auto finance regarding this accumulated finance charge. Upon speaking with the Bank representative, we found out that the XX/XX/XXXX payment did not go through, not sure if it was a mistake on the part of TD Auto finance or with our Bank XXXX. Since then TD auto finance has been charging us monthly late fee of {$80.00}. Of note, TD auto finance has been getting paid monthly on time by auto debit from my Bank all along except for the XX/XX/XXXX payment. We NEVER received a letter/email or a phone call from TD Auto Finance up until XX/XX/XXXX regarding this ongoing late fee. We spoke to TD auto finance, they refused to waive the fees. As a customer, I feel it is WRONG for TD auto finance not to contact us regarding this issue for a year and ask us to pay up. I would appreciate your intervention regarding this issue. We will happy to provide account details as needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: WELLS FARGO & COMPANY
State: TN
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:
After viewing my most recent credit report I notice that there is late payments, which I'd like to get removed as soon as possible. According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report. In addition, the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2023-10-10
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: VA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
On XX/XX/23 I was at work ( Im a XXXX XXXX ) in clinic and I got a notification from XXXX of my XXXX credit cards ( XXXX  XXXX ) asking if I charged {$350.00} to XXXX. I said no but assumed it was an accidental charge by XXXX since I had been there recently. I had to finish my work day but on the drive home about XXXX hours later I called XXXX  XXXX and discovered that my entire wallet was missing. At that point I checked my Bank of America checking and credit card accounts and discovered that a purchase had been made for {$300.00} at XXXX XXXX on my credit card ( my debit card had not had any purchases, likely because you need a pin ). I immediately called Bank of America and reported fraud over the phone and had them cancel my card. I also told my parents because I had had a XXXX  Bank of America credit card from a family joint account that I never use. They discovered that {$88.00} has been charged to that card as well. Later that night my dad received a call from a nana her at XXXX XXXX reporting that my wallet had been found in the trash. The next day I picked it up and my ID and library and debit cards were there but all three credit cards were missing. 

I am 100 % certain that my wallet was stolen and my credit cards were used without my permission. It is possible that it was taken from my backpack as I walked to work but unfortunately I have higher suspicion that my first patient took it from my bag, since it was in the corner of the room for a period of time when I was not present. 

XXXX XXXX  has since closed their fraud investigation and credited me the money such that I have XXXX liability because they determined this to be fraud. This morning, however, I woke up to a letter online from Bank of America saying that they did not determine this to be fraud because my card was used for the charges ( which we already know since it was stolen and my wallet was thrown in the trash ). I was at work at the hospital when the card was charged and I still dont have my card in my possession. I would love assistance in further disputing this resolution and appreciate any assistance you can offer. The most recent resolution letter was from XX/XX/XXXX. Of note, I have no receipts of the purchase because I was not present and did not make them.

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: IL
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:
After reviewing my consumer report I noticed hard inquiries that I did not make nor did I authorize anyone to pull my credit report. 
also a collection that was not from me it from 2013 when my identify was stolen and i had a fraud alert on my credit since that happened 10 years ago not only was it not me by law the statute of limitations is up on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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 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 deletion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
please report my XXXX XXXX company cant do it for one and not for another person FCRA laws SEE attachment

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 2023-07-26
Company: EQUIFAX, INC.
State: CA
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:
YOU VIOLATED THE UNITED STATES CODE LAW I REQUEST A REMOVAL OF UNAUTHORIZED INQUIRY 15 U.S Code 1681a ( 4 ) Consumer Right to Privacy You are reporting fraudulent accounts that arent actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. YOU ARE IN VIOLATION!!!

15 USC 1681n Civil liability for willful noncompliance you willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this. Willful compliance is punishable up to {$1000.00} per violation. 
18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. CODE 6802 ( b ) 1 ( a ) ( b ) ( c ) - Obligations concerning disclosures of personal information DID NOT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY DECEPTIVE OF YOU!! You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions If one credit bureau remove something from my credit, then all three credit reporting agencies should make therefore the information is inaccurate. In this case Equifax removed the collection account from my credit report, but XXXX and XXXX have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2020-07-25
Company: PNC Bank N.A.
State: MD
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 need to be able to use the XXXX XXXX to be able to avoid getting XXXX  overdraft fees that are literally fees of me being dead broke so please allow earning to be an authorized partner with Pnc

Company response to consumer: Closed with monetary relief