BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ten years ago, I submitted a qualified written request to Bank of America stating that a new Mortgage was originated on my home containing a forgery of my signature. 

Bank of America conducted an internal investigation and confirmed the forgery. Then XXXX XXXX, from Bank of America Victims Assistance Unit sent me a letter stating : " Please allow me to confirm that Bank of America has completed its investigation and concluded that the aforementioned loan should not reflect on your personal credit file. Bank of America has acted directly upon this finding and on XX/XX/XXXX, Bank of America submitted a correction to the four major credit bureaus with whom we correspond to remove the loan from your personal credit file. 

On XX/XX/XXXX, XXXX XXXX XXXX, the Vice President, Investigative Services Manager of the Mortgage Fraud Investigations Department at Bank of America confirms the existence of the forgery and writes Thank you for your patience as I have been attempting to locate an individual Bank of America advocate to work directly with you and all internal departments to address all of your concerns. I have been given the authorization to present your case to the Executive Relations Committee. I am in the process now of preparing a written statement and request for appointment of such an advocate for you which will include our case findings as well as departments we have supplied our findings necessary to resolve the issues which have arisen as a result of our confirmation of forgery. 

I will have my submission to them by the end of business today. I would think that someone from that group would contact you by the middle of next week. I will provide them with both your current telephone contact as well as this email address as well as my contact information. The credit group indicated that you may contact them at XXXX with case number XXXX for assistance surrounding your credit company concerns. 

To date, no one has contacted me, and the number provided is non-working number owned by Bank of America. 

On XX/XX/XXXX, Bank of America filed a foreclosure action against the me seeking {$320000.00}. The mortgage that I signed in XXXX was for {$140000.00}. This matter has already cost me over {$17000.00} in legal fees. The Bank of America lawyers are asking the judge grant a foreclosure on my home despite the fact that Bank of America has confirmed the forgery. 

Please help! I am about to lose my home.

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 2021-07-14
Company: AMERICAN HONDA FINANCE CORP
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 am buying a house. I am a loyal customer of Honda financial services for many years since XX/XX/XXXX. I have leased XXXX each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that Honda never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked Honda to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have two XXXX  children and I am a XXXX XXXX and this added more problems on my shoulder especially during this difficult time of Covid-19. Both of my children are very XXXX  and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting this account inaccurately. This debt has been paid in full. Any remaining balance is due to me the consumer. I am requesting XXXX to refund the full balance of my account. 

Under the Family Educational and Privacy act my financial information should not be shared with anyone. 

I am now opting out of any consent you may think you have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: DISCOVER BANK
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been struggling trying to pay my car notes on time doing the last XXXX months do to me having major XXXX on my neck which caused me of being off work. I have made the monthly payment even though it wasnt on the day it was supposed to be on but they got they money that month I only have to more payment left on my Vehicle which is XXXX I have spoken with someone about my situation at Exter finance company They told me that I owe them XXXX plus which Im not understanding the young lady told me that I have to come up with that amount next month which they are forcing me to return back to work which the doctor havent released me yet. Im already stressing about my other bills that need to be paid. Im not behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX and TransUnion Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00}.

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 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
After placing a freeze on a government issued check, BOA sent a notice saying they would pay all fees and overdrafts incurred during the freeze. They then went in my account and changed my payment date on my car payment. It was made on XX/XX/23 to be paid XX/XX/23. The freeze did not allow me to cash any checks. Causing me to miss a payment.

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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My Name is XXXX XXXX & my first " 2 '' emails that were hijacked were ( XXXX ) & ( XXXX ) XX/XX/XXXX is when I notice the scams, and identify theft that was done with my personal information! My ex Fiance XXXX XXXX who I lived with for 10yrs has linked my Data from my gmail act. to his gmail act! And gained excess to all my data personal files etc..I was trying to jump start my online business called ( XXXX  ) He has then placed XXXX ( XXXX XXXX XXXX ) on all of my electronic devices. Where he can see the info i put into my phone! Hear through my phone with accessibility somehow! I then notice my business being used for ( XXXX XXXX! ) And ( XXXX XXXX ) items in my name as well! ( XXXX ) was placed over my fb where he gains more of my info. When I realized what was happening I made a police report and contact XXXX! And took notes of the things I discovered Loans from Self Credit, also My XX/XX/XXXX Stimulus XXXX off my XXXX card ... By controlling my phone through another phone he had with the XXXX Software on that App! Hes has made himself the Administratior of my Emails and close of ours! And made some organization for XXXX XXXX! Where it seems like we were working for him! But we had no idea! That he had that kind of excess and control over our phones! But he use my identity to do qll things! this is the List! 


Suspect info Last 4 SSN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX 1.XXXX  XXXX Act 11 Consumer Privacy Act Pata Service GLBA, FCRA XXXX PPPA, CCPA 2. XXXX XXXX XXXX 3. https : //respond.census.gov./acs 4. XXXX XXXX 5. XXXX XXXX. XXXX 7. XXXX 8. XXXXt 9. XXXX 10. XXXX  11.XXXX  XXXX XXXX XXXX! Placed on all of my bluetooth devices 12. XXXX XXXX organizations such as XXXX 13. Certificates from XXXX installed on my devices! 
14. Global and many more! And it's still ongoing! 
XX/XX/XXXX - XXXX XXXX I made countless emails! changed phones, numbers, And still haven't received a dime from credit cards! Stimulus, all these gadgets he used etc..

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 2023-12-22
Company: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-09-14
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2020-02-13
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle is the biggest joke of a mortgage servicer that I personally have dealt with in all my 20 yrs of buying homes. Had a recent escrow analysis on XX/XX/20 and they claim I have a homeowners policy for XXXX and a separate hazard policy for XXXX. The fact is I only have one homeowners policy that includes hazard for XXXX. Because of this mistake they are raising my mortgage payments to over XXXX! They want this payment starting XX/XX/20. I have called multiple times to get this corrected and being told they have never seen an error like this, and it should be fixed in the next couple of days. Of course this horrible company still hasnt corrected it. On the phone now yet again with the ins. rep about there error, she started arguing about me being in the wrong, then realized it was their error, and immediately placed me on hold for now 15min. I doubt anything will get resolved today based on my history with them and their several errors with my insurance policy! This isnt the first complaint.. Im finding the only resolution is by publicly blasting this horrible excuse of a company. They are criminals and have so many complaints with similar issues. I am a realtor and will continue to warn all my clients about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX we didn't get it XXXX doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2018-11-29
Company: Diaz & Associates, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I never received written notice or phone calls regarding the debt. My employer was contacted and they sent me an email stating that the company advised if I didnt get in contact with them they would send a summons to my employer for court proceedings. I received a call and an email in XX/XX/XXXX from my HR department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to formally dispute the presence of certain items on my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information. 


I hereby request the immediate removal of the following accounts from my consumer report : XXXX Account Number: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 2023-08-05
Company: Mercedes Benz Financial Services
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed.

Company response to consumer: Closed with explanation