BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan was with XXXX XXXXXXXX XXXX and was given to Dovenmuehle back in XX/XX/XXXX without notice. During the conversion. I was approved for a deferment from XXXX which they did not communicate to Dovenmuehle. Also I have been paying my own property taxes for over 10 years they did not inform Dovenmuehle this either. I received a letter from loss mitigation at Dovenmuehle about owing the money that was originally deferred through XXXX and I sent them paperwork confirming the deferment back in XXXX. I was told they will research it and follow up with me and I never received a call or letter. Also, I requested to have my property taxes removed back in the beginning of XXXX because I've always paid them. I even sent in proof of this for the last ten years. I was told I would get a letter with a determination of that, which I am still waiting on. I received a grant in XXXX of XXXX which they took and decided to apply it to the deferment without investing the issue, and now they will not remove the property taxes or even respond. They also stated in XXXX that my next payment will not be due until XX/XX/XXXX but I call and they state i owe a payment for XXXX of {$800.00} which i never received a letter for showing proof of that. Also, they are charging me {$500.00} dollars a month in my mortgage for property taxes, and my taxes only add up to about $ XXXX yearly. I've called multiple times and there has been no solution, just excuses and long wait times. I feel like this company is a rip off and if you check the reviews anywhere on this company, they are all negative and someone needs to look into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. 

I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent Mortgage payment to PHH Mortgage and they are not applying payment my account as a monthly payment. I have contacted the company numerous times and I told the payment is in principal and that they will reapply it correctly. They have not after numerous attempts and my account still reflects past due. When I request to speak to a supervisor for assistance I am put on hold and forgotten about. I have stay on hold for hours and no response and even get disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: DISCOVER BANK
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2018 I ordered a Trial of XXXX XXXX  for {$4.00} which I paid with my Discover card. I told the person taking the call TO SEND ONLY the Trial and that NOTHING else was being ordered. They charged my card {$4.00} which was the price for a trial bottle ; which I paid. I received a bottle around XX/XX/XXXX and it was apparently from XXXX XXXX XXXX ; although it was a bottle of XXXX XXXX. 

XX/XX/2018, Now XXXX billed my credit card for {$79.00} and I have no idea what this charge was for. 

XX/XX/2018, XXXX XXXX XXXX billed my credit card for {$79.00} and I have no idea what this charge was for. 

Around XX/XX/XXXX I realized this was a scammer outfit and I packaged up the two bottles I received of XXXX XXXX and sent them to the shipping address on the box ( had no other address ). I have proof that they received the two bottles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Bank of America, filed a XXXX remark notating that " suspected fraud ''. Bank of America 's loss prevention department operates with opacity and without proper regulatory oversight or third party checks or balances. As an ivy league graduate, I am appalled by the lack of oversight that has led to no form of resolution nor any form of discussion between me and the executive office to resolve this erroneous reporting. While, such errors may occur, and is understandable with the large scope of accounts and customers serviced, it is disappointing to think that many customers whose reports may be erroneously marked, may not have the proper guidance or knowledge to reach out the appropriate regulatory bodies. 

This is wholly inaccurate, and along with this report, other fiduciary agencies will be alerted, and litigation pursued to remedy this inaccurate notation. 

This is a complaint in regards to the inaccurate reporting to a credit reporting agency, as defined by FRCA, and the request for validation of this information. 

Requests to reach the Executive Office have not been granted. Damages will be pursued, if this matter is not remedied prior to litigation. 

Best Regards, 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 non-monetary relief
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and transunion have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.

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 2019-04-19
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:
I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to TransUnion. On XX/XX/XXXX I signed a rental lease with XXXX, the leasing manager. On XX/XX/XXXX I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX Apartments written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. This charge has stayed on my credit for many years and TransUnion has not been able to investigate properly.

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 2018-07-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When submitting a dispute they do not provide physical proof of information that show that the information they report is correct. So I'm submitting what I need in a cfpb complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a complaint through the cfpb and still didnt get the money from them. Please check my last complaint against ditech. My complaint shows as closed but still didnt get the check from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been attempting to restore use of my credit card with capital one. I have made monthly payments on time and over the minimum payment due. I have also been making additional payments to ensure the balance is lowered. I have contacted capital one on many occassions to have them review the card to grant access since the account is not delinquent nor has it been for almost 4 months. I have advised that I got better employment allowing me to make the payments and keep the account current and active. They only provided one offer, however I  advised that at the moment the offer was given that I was underemployed. I have contacted capital one multiple times trying to have them review the account and provide them proof of income, etc to have them restore the card. They refuse to restore and refuse to assist. They won't put me in touch with someone who can make the necessary adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I notified Suntrust ( Truist ) bank on XX/XX/XXXX of an unauthorized debit by XXXX on my account. This notification was done through my online banking. Notifying the XXXX was done quite easily with a few keystrokes. Never during the process was it stated that by submitting a unauthorized transaction report would cancel my debit card & access to my account. I was not notified by the bank that this had happened until I was not able to buy groceries today because my card was deactivated without my consent or knowledge. 
I spoke at length with a XXXX XXXX XXXX XXXX XXXX ( XXXX ) who was unable to reactivate my card or provide a way to access my funds before NEXT week. I believe they did not follow Regulation E or they did not follow the spirit of Reg E by not notifying me prior to me finalizing my unauthorized report or by contacting me via phone or email or text ( all info they have ). I am ( was ) a XXXX year customer and am now going into XXXX XXXX XXXX weekend & moving kids out of college with no access to my money via ATM/debit purchases, etc. Please help make sense of this or help me access my money. Thank you for any support you can provide.

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 2021-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Heres the problem the following accounts orginated from my identity being compromised, therefore they are fraudently reporting on my credit file. And this has emotionally and mentally challenged me, Therefore, Im demanding the remove of these accoints. 

1. XXXX XXXX XXXX {$870.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX  XXXX {$1000.00} 4. XXXX {$710.00} 5. XXXX XXXX {$22.00}, XXXX 6. XXXX XXXX {$100000.00} 7. XXXX 8. 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 2019-04-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested the following information from this collection agency to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. I do not owe this company anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, my checking account and savings account had multiple unauthorized transactions originating in XXXX. The total amount that was withdrawn at a bank teller without my authorization amounted to {$3400.00} in my checking account and {$1700.00} in my savings account, combined total {$5100.00}. Suspecting fraudulent activity in my account, I reached out to Bank of America the very next day on XX/XX/2019 and setup a claim/complaint with them. 

As per Bank of America 's advise, I had my savings/checking/debit card which had these transactions immediately frozen. Bank of America informed me that they would investigate the claim and get back to me within 60 business days. I followed up weekly with Bank of America to understand the progress and also if they needed any information from me. Bank of America didn't request any additional information from me. After 60 days on XX/XX/XXXX they sent me a letter indicating the claim has been denied. 

Considering these transactions occurred at a Bank Teller at different branches of Bank of America, per the transaction ID, I was hoping Bank of America would retrieve video footage at these locations and identify the source of the fraudulent transaction. But this seems to have not occurred and instead the bank rejected my claim indicating PIN was used for this transaction.

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 monetary relief
Consumer complaint received 2018-04-28
Company: CHECK INTO CASH INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This complaint is about Check Into Cash on XXXX XXXX XXXX in XXXX, TN. I had a payday loan with the company and then lost my job. Well, even though I got behind, I told them that I wasnt working and would be sure to pay it once I was working again and got caught up. I revoked their right to ACH my account, however, on Tuesday, XX/XX/XXXX, I woke up to being - {$290.00} in my bank account from where they took the payment out. I wasnt mad. I knew I was behind and that I was due. The next day, I checked my bank account, looked at my statement, PRINTED IT OFF, took it up there, showed them where it had cleared leaving me negative and rewrote my loan because I had to pay my electricity or it would be cut off the following morning and my gas light came on that morning. 
My bank ended up RETURNING the fee to them the following morning, Friday, XX/XX/XXXX, 48 hours  after theyd pulled it out. Today is Saturday, XX/XX/XXXX and I have since received 7 calls from them since I told them on the phone that I wouldnt be able to take care of that until I get paid on Wednesday, XX/XX/XXXX. They are harassing me. Only leaving one voicemail per day, but calling between 5-7 times per day. 
I work in XXXX. I give installment loans and we do our own collections until a customer is charged off. Our regulations in MY company and every company Ive worked for is that you can NOT harass a customer ESPECIALLY if youve already spoken to them. It is XXXX and Ive received 6 calls on a SATURDAY. 
This is definitely harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2019-03-27
Company: Experian Information Solutions Inc.
State: MD
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 have contacted Experian multiple times during the past two months.And XXXX XXXX  as well, I spoke to XXXX XXXX  today with regards to two Accounts listed on my Credit Report and that Experian has both Accounts listed as CURRENT.I was told that there has to be an " Investigation '' .I informed the Customer Service Representative that there had been several investigations.And the fact that I had one Account only, needed to be submitted to Experian immediately. 
Experian refuses to realize that there is one Account.According to XXXX XXXX it is being reported every month as one Account. 
In addition, Experian is reporting that I have insufficient Income which is also 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 explanation
Consumer complaint received 2019-03-27
Company: LEXISNEXIS
State: IL
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:
After receiving my credit report from LexisNexis, I notice an extensive amount of inaccuracies ( report dated XX/XX/2019 ) .On XX/XX/2019, I mailed a request - requesting that they update their report file, and I furnished correct information regarding my identity.I included a copy of a letter from the Illinois bankruptcy court stating that they do Not perform any activities with credit bureaus as their report indicates.I included a copy of my drivers license ; social security card, copies of bills to prove my address. 
On XX/XX/2019, I received a response that appeared to be a bit of window dressing, because what it stated is not what I requested. The response was a two page letter - on the front page it was dated XX/XX/2019, but on the back it was dated XX/XX/2019. I will include a copy along with this statement. 
On XX/XX/XXXX, I received another report from LexisNexis stating that they had completed their investigation and their findings follow.The report states that they have deleted the inaccurate information.However, the only information shown deleted was a few phone numbers and the incorrect birth dates. 
I will include copies of pages of the report that show inaccurate information that I requested be removed remains. Please note that I have highlighted on each page the inaccuracies in accords with my letters to them.

Company response to consumer: Closed with explanation