BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DMI, as a servicer for XXXX Mortgage has failed to refund escrow payments in compliance with XXXX within 20 days of the loan being satisfied in full. They refuse to make alternate arrangements for a timely dispersal of the escrow funds and are not providing sufficient information to the Borrower as whether it has met its obligations to provide a timely refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
XXXX is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The last complaint that I submitted in this portal said that Experian was going to delete all of this in 10 business days and they have not. I want this inaccurate info deleted immediately.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2019-10-02
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:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****8356. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Reported fraud on the capital one account. They opened a fraud investigation but I never heard back from them. I followed up and they said the investigation deemed it was not fraud and they couldnt tell me why. I requested for them to open another fraud investigation. During a follow up call, they suggested I change the email address to mine so that I could get a confirmation number. I also made a payment plan after being under the impression from the rep that this would help my credit situation because i am in the process of buying a house. After some advice from my financial advisor, they told me that this would do the opposite. I called to have the payment cancelled, they couldnt find the case number and I was assured no money would be taken from my account. Money was taken from my account days later and I was told by changing the email address and making a payment plan, that I had essentially claimed the account although this was done under their advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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: Reporting company used your report improperly

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 status, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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: Account status incorrect

Complaint:
I have repeatedly contacted XXXX XXXX and sent in proof through varies forms of communication including email, mail, fax and have spoken to representatives that have refused to transfer me to a supervisor in the compliance department regarding a mistake in my payment history. I will once again provide evidence that states every excuse Ive been given such as : bank account number not existing, my bank unable to locate account number and my payment being set up incorrectly. I contacted my bank and they have sent me a written statement saying they never sent a payment to XXXX XXXX because none was requested. I will send in evidence in the form of a bank statement showing my bank account was open and active for the month Im disputing which is XXXX of 2020. I am sending an email confirmation of the payment being set up on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I requested that my Bank of America, XXXX XXXX, FL account be closed XX/XX/2022. The amount was {$3600.00}. The check information was verified by the bank. The check never arrived. I called back in XXXX and they put in a notification to track the former check and reissue a new one. XX/XX/2022 I received a letter stating the account money was addressed to and deposited to an unknown name. The check was not filled out addressed to me or sent to me as Bank of America claims it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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:
This is not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXXXXXX XXXX  Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXXXXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
Equifax has not provided a response to my credit dispute for over 30 days it has been almost 60 days since my dispute was sent for the XXXX XXXX XXXX and XXXX XXXX XXXXn credit card and XXXX  car loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: MONEY SOURCE, INC., THE
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: Account status incorrect

Complaint:
the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to build perfect credit this has taken away all the hard work in a moment please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America promised me a temporary credit after 10 business days of a pending investigation of two fraudulent charges on my account. 

I am filling this complaint with the expectation that BOA left me with, which is there will be a temporary credit for the two transactions in question no later than today.

Its on a recorded call, several agents say to me that after 10 days I would receive a credit, it has been 14 days ; 10 business days and I need them to keep their word.

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 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2018, Bank of America closed my checking account without my knowledge. Also, BofA cleared my account for {$200.00} and supposedly sent this check to me which I never received. Prior to the closing of my account, I had 2 pending charges via debit card totaling {$210.00} which posted the day after BoA closed my account. This action by BofA caused me to be overdrawn by {$210.00}. Because my account was abruptly closed and because of BofA 's negligence by not taking the time to look at the pending transactions from my account, BofA caused my account to be overdrawn on top of inaccurately reporting this to both XXXX  and XXXX XXXX XXXX. BofA is claiming I owe them {$210.00} which in fact they owe me {$200.00} for the money that was in my account prior to closing. I have spoke w/ BofA about this issue and requested they look into the check they claim they mailed to me. BofA did confirm the check that was issued to me in the amount of {$200.00} was never cashed. I also explained to customer service rep that because of the nature of the situation, BofA is inaccurately reporting me to XXXX  and XXXX XXXX XXXX  and requested that the inaccurate information be removed from both reports. BofA said they is nothing they can do about clearing the balance that I owe them or clearing XXXX  or 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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXXXXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-08-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have requested in writing that all of my old addresses be removed as I keep getting mail forwarded from the old addresses. I only have one address XXXX XXXX XXXX XXXX XXXX SC XXXX, that is the only one that I want on my credit file. XXXX and XXXX XXXX have removed them BUT Experian refuses to take them off my report. PLEASE REMOVE NOW.

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 2022-07-09
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I have two Savings accounts with the Discover Bank. In the past two weeks, both of our accounts were locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time we would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. 

The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, we request that CFPB to urge the Discover Bank to take immediate action in resolving the issues of our TWO accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX bill was due on XX/XX/XXXX, the system showed payment received but I noticed that the due bill amount wasn't deducted from the checking account ( despite not having a sufficient amount for full payment ). So I transferred the payment from my checking to my credit card account and made full payment. 
XX/XX/XXXX, the system showed returned ACH card payment and charged me Past Due Fee {$25.00} and on XX/XX/XXXX interest charge {$40.00}. I learnt the lesson and made sure the XXXX card payment was paid in full amount. 
XXXX bill is paid in full amount on due date. But I got another charge of {$23.00} on XX/XX/XXXX! The bank said it was for interest charges for XXXX which I already paid the interest charges on XX/XX/XXXX without any further explanation. 

Captial One is a total fraud for not explaining well to the customer and confusing its customer by showing payment settled and abusing for more money of late fees and interest charges. The interest charge mechanism is a fraud in Captial One and I refuse to pay for any interest that is incorrectly added to me. I hope CFPB can assist consumers and Capital One should give a transparent transaction to its customers instead of the attitude that you are in my bank, I do what I want behaviour.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: Nelnet, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation