BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter informing me I have been approved for an Payment Deferral effective XX/XX/XXXX. This Deferral would do the following : 1 ) Adjust the due date for my next payment and bring my mortgage current.

2 ) Defer repayment to the end of my loan/sale/refi 3 ) Waive any late charges It is now XX/XX/XXXX and my loan is still showing as delinquent and every payment I make is held in suspense and not applied to my principle, interest, or escrow account. I have spoken to 14 different people at XXXX XXXX Loss Mitigation department  and none of them are able to tell me when this process will be finished even though the letter says it should go into effect XX/XX/XXXX. I have requested to speak with supervisors on at least XXXX different occasions and am consistently told they will call me back within XXXX hours. After 7 requests I have yet to speak with a XXXX 

Customer service reps have been misleading about the entire process stating that the process couldn't be started until they received verbal confirmation from me, even though there is no instruction to do so anywhere on the documents I have received. Further, the documents I have state that the deferral has been approved and effective XX/XX/XXXX. When calling, customer service Reps have gone as far as to ignore my request for XXXX  give me fake phone # extensions, or tell me they will call me back personally at a certain time and date with no follow-through. 

Every time I ask for a timeline the number of days changes depending on the person I ask, and is the same range no matter how long I have been waiting. 30-60, 30-90, 60-90, 90-120 days. At this point it has been over 135 days since this process was supposed to be IN EFFECT and I am still in the dark about when this process will conclude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  and transunion are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see transunion and XXXX are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine.

These agencies must be held accountable. I expect the CFPB to do so.

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 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
IN THE COUNTY COURT IN & FOR XXXX COUNTY, FLORIDA , COUNTY CIVIL DIVISION XXXX XXXX XXXX XXXX XXXX Case No. : XXXX vs. Division : XXXX XXXX XXXX NOTICE TO SERVICER XXXX XXXX XXXX XXXX. 
ORDER TO RELEASE MORTGAGE NOTE # XXXX Ref. : XXXX XXXX XXXX XXXX Acc # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXXXXXX XXXX is hereby order to release Mortgage Note XXXX XXXX MIN # XXXX, Mortgage Account XXXX. XXXX XXXX XXXX falsely claimed interest as Note holder for XXXX XXXX XXXX as Trustee, base in XX/XX/XXXX Mortgage Assignment, recorded by XXXX XXXX that it has been automalically VOID by NOTICE OF CONTEST OF LIEN instrument, See XXXX County Official XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

Legal Action THIRD ( 3rd ) ATTEMPT OF WRONG FORECLOSURE on behalf of XXXX XXXX  XXXX XXXX XXXX shall be dismissed. Attached pertaining information of NOTICE OF CONTEST OF LIEN of your VOID Mortgage Assignment. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DATE : 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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX  XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX  Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this 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 explanation
Consumer complaint received 2022-08-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a XXXX XXXX XXXX  card ( through Comenity Bank ) at the store when I bought jewelry in or around XXXX. I consistently made payments on the balance. When the pandemic hit, I experienced financial difficulties, so my social worker helped me negotiate a payment plan with Comenity Bank. I began making payments pursuant to the plan. 

In XX/XX/XXXX, I received a billing statement, indicating a total balance of {$1200.00} with a payment due date of XX/XX/XXXX. I was able to pay off the entire balance at that time so I called Comenity Bank. The Comenity representative on the phone confirmed that I could pay off the balance and owe nothing further to Comenity. I immediately went to Kay Jewelers to do so ( XX/XX/XXXX ). 

Despite paying off my entire balance by the due date in XXXX, I am still being charged interest and late fees on my account. I disputed this with Comenity, but they claim that this is valid because I was not eligible for a grace period. I was paying pursuant to a covid hardship payment plan and dont understand why they are doing this. 

I am an unemployed XXXX senior trying to survive on social security alone. This has been particular stressful for my health. My local Legal Aid office assisted me with completing this complaint. You can contact attorney XXXX XXXX for any questions at ( XXXX ) XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-01-18
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX ; a Written Contract was signed by my spouse to begin a Kitchen Remodel with XXXX XXXX XXXX.. Contract total was changed 3 times because of incorrect prices/figures/measurements, and damaged material..Most recent Contract signature was XX/XX/XXXX of the corrected copy was delivered by their Project MGR. 
The 1st contract gave us a total of {$52000.00} of which {$26000.00} was financed by a XXXX XXXX XXXX ACCOUNT ie. ( Credit Card ). We have been paying $ XXXX MONTHLY without interest for 1 year ... We had the final Walk thru on XX/XX/XXXX whereby the Project Mgr. and Scheduler performed ... We were totally dissatisfied once again because the Contract total was completely different from the Contracts we had in our file.. We mentioned that until the total and incomplete work was completed we would not be paying any other monies except the Credit card monthly payment ; which has a pay off balance of {$12000.00} plus {$2400.00} interest =TOTAL {$14000.00}. We have never had a past due payment! Project Mgr. and Scheduler stated they would get back in a few days and or email the corrected Contract as well as a Resolution for the UNSATISFACTORY KITCHEN REMODEL ... REGIONAL AND CORPORATE OFFICES WERE NOTIFIED VIA TELEPHONE ... ..To date ; we have had no Communication/correspondence from them at all! 

However ; ON XX/XX/XXXX, we received a letter/memo from an Attorney 's office in XXXX, Wa. recommending an Additional amount BE paid in full of {$36000.00} WITHIN THE NEXT 30-45 DAYS. 
Additionally {$3600.00} OF charged work was NEVER completed for our two bathrooms BECAUSE THEY KEPT CHANGING PRICES AND WE DECIDED TO CANCEL THE BATHROOM REMODEL!

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 2018-01-18
Company: HUNTINGTON NATIONAL BANK, THE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX is charging me for a credit card that I have never had ... someone had fraudulent open a account in my name without my authorization ... this account needs to be removed off my credit report due to fraud.. I have filed a police report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX. have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XX/XX/XXXX to all my creditors. When the cease and desist was sent in XX/XX/XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my 401K, as I had no other means of meeting my responsibility. Since then I have settled wit.h XX/XX/XXXX, XXXX 's,  XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.PortfolioRecovery Associates did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. Portfolio Recovery Associates simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: NY
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:
I submitted a dispute to Equifax that they Received on XXXX XXXX 2017. I have not received a response from them. It is regarding an account that they are reporting on my report for a XXXX account that I do n't recognize. I asked them to provide me documentation that they have that verifies the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: GA
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 credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
self lender/ XXXX XXXX  is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.

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 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This just proves that 3 Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, and the balance is XXXX. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was already paid. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise correct or update this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRUIST FINANCIAL CORPORATION
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 information incorrect

Complaint:
I disputed the wrong information that Regional Acceptance has given to the credit bureau such as late payment, current owe a balance, and last payment balance. 
XXXX sent me a dispute update on XX/XX/XXXX stating per their last update as of XX/XX/XXXX all the information is correct and that my current balance is {$12000.00}, which as of XX/XX/XXXX, that's incorrect. 
They also reported my last payment was XX/XX/XXXX, which is also incorrect ; the actual payment amount owed is also wrong. 
I can provide that dispute update and a copy of my regional acceptance that shows as of XX/XX/XXXX ; my balance is {$8200.00} ; I have paid {$460.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. 
This company continues to provide wrong information to the credit bureau, or the credit bureaus are reporting wrong information and I ask that all late payments be removed and that the account be updated. 
Please also be advised per Regional acceptance my next due date is not till XX/XX/XXXX The wrong report is impacting me on buying a house. 
I can provide statement documents proving what was reported is wrong.

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 2020-10-19
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid XXXX directly for this bill owed yet the collection agency - Jefferson Capital Systems is trying to bill me for the same debt. I have disputed with all three credit bureaus and this company has sent the following response and remains on my credit report : Consumer disputes this account information : Account information disputed by consumer, meets FCRA requirements Collection account Original Creditor Name XXXX XXXX Amount {$150.00} Why is the collection agency informing the credit bureaus that this debt meets FCRA requirements when I have already paid XXXX directly and this debt is not even owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-04-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Over the course of XX/XX/XXXX, I have directed two seperate over payment s on student loan accounts handled through Navient. One payment was made on XX/XX/XXXX, and the other on XX/XX/XXXX. 

Payment Confirmation # : XXXX Amount : {$400.00} Scheduled for : XX/XX/XXXX Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/XXXX I recieved confirmation emails confirming the payments have posted, and can see the funds have been removed from my bank account. However, these payments are not reflected on my navient account at all. The Navient website states the information is up to date on the for the day the information is accessed, and that it my take up to two days for payments to reflect on the account. It is now XX/XX/XXXX, XXXX payments are not reflected, and the one of the payments is almost a month old. I would call navient, however my work hours make it difficult to find time as I work a lot of overtime, and they have failed to provide an email address or other contact method. I would like to know why my payments have not been reflected on my student loan accounts and weather or not further interest has built up as a result. I am a current student and do not currently have monthly payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls several ( more than 2-3 ) times a day during work hours. Does not leave message. Calls from several different numbers. I have never received written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a chase freedom credit card with the credit line {$12000.00}. I purchased {$6000.00} gift card at the shopping mall on behalf of my company. My company has been reimbursed me month by month, and I have been paying it more than the minimum payment requirement every month. But on XXXX XXXX of this year, I found out my account is closed. With my current salary, I think I can totally pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: GA
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 is reporting the account with XXXX XXXX inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. Self Lender advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.

Company response to consumer: Closed with explanation