BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Dovenmuehle Mortgage has collected money through our escrow payments related to the Loan XXXX and saying that they paid the tax disbursements to the XXXX County tax office , it is also reflecting on XXXX sent by XXXX Dovenmuehle Mortgage for XXXX however the XXXX county tax collectors office is saying they never received any payments from XXXX XXXX Mortgage , and the county tax office is asking for the proof of the payments ( front and back of the check ) payments made to the address and also the property address and to the parcel it was made, XXXX Dovenmuehle Mortgage is not providing any proof and the company is avoiding to pay the money back to us. 
We have written several emails, called customer support who are very impolite, and also faxed the letter received from the county for the non-receipt of the payments. The loan is transferred to the XXXX XXXX XXXX  XXXX XXXX and they are also not providing any proof of payment or the property address to which it was made or to where the payments were sent, we need this to be resolved legally or through the normal process, this incident has occurred on XX/XX/XXXX of XXXX and it is almost six months and the mortgage company is not ready to resolve the issue, this is very unfair and the mortgage company is not bothered or ready to resolve the issue Please see the message received from XXXX Dovenmuehle Mortgage : We received your inquiry, dated XX/XX/XXXX, regarding your county tax disbursement. 

Our records indicate that a county tax disbursement in the amount of {$3300.00} was made to XXXX County on XX/XX/XXXX, via check number XXXX. Please note that when we send out tax checks, they usually are in a mass bulk check, containing multiple borrowers payments. For this reason, we are unable to provide copies of these checks. Please follow up with your county regarding this payment. 

Message from the XXXX County Tax collector office : XXXX XXXX XXXX XXXX County Trustee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX  XXXX XXXX, TN XXXX XXXX XXXX : XXXX XXXX Property Taxes for XXXX XXXX XXXX XXXX XXXX, TN Parcel ID # XXXX Dear XXXX, I am enclosing a paid in full receipt for the XXXX taxes for XXXX Elk XXXX XXXX XXXX We have received a single payment from XXXX, check # XXXX, on XX/XX/XXXX. No duplicate payment from Dovenmuehle Mortgage has been received. I spoke with our Corelogic Tax Service representative and Corelogic did not receive a payment from any mortgage company this year, as they have in prior years for this parcel. 
Please let me know if you need additional information or assistance. You may e-mail or call our office at ( XXXX ) XXXX. 
Sin.c-e-rely,  XXXX  XXXX XXXX, Trustee c_, ~

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX account is reporting inaccurate information. A dispute was initiated with TransUnion. The account information was still not corrected. The incorrect reporting shows missed payments for XX/XX/XXXXXXXX  and XX/XX/XXXX. Now, the account is also reporting a missed payment for XX/XX/XXXX. The monthly payments also change back and forth from $ XXXX. to $ 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 2019-07-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reviewed my credit report and saw that XXXX had a entry on my credit report. I do not have any dealings with XXXX. I called XXXX but was put on hold for more than an hour. No one answered. This is an invalid entry. I have nothing to do with XXXX. I want this removed from my credit report. I made an inquiry but I did not open an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Public record information inaccurate

Complaint:
one inaccurate bankruptcy chapter XXXX  is reporting under my XXXX credit file. which does not belong to me i had never filed any, i dont know whos information these are that are reporting under my name, i have tried to dispute them but they have not been helpful. please have this inaccurate information removed from my equifax and XXXX credit file thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my file coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} Medical XXXX Balance : {$350.00} 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 explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
The XXXX Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. XXXX Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?

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 2023-04-25
Company: ID Analytics, 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:
Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: General Motors Financial Company, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment using my XXXX card I tried to make a payment that I had noted to be put in, the result came back several times we could not process try again, on about 3rd time it took the payment I suggested and then it took out the entire payment and I lost my entire payday all together GM got XXXX dollars, the payment was only XXXX I tried immediately with XXXX, GM Financial to reverse my over charge, neither will, it's obvious the payment was a duplicate, I have faithfully made my payments to GM and never been late I demand my reversal today, I can not pay my other bills or buy food if they will not I can not or see any reason after GM told them to refund my over payment they will not, this is the 2nd time I have had a problem with XXXX holding a refund when clearly it was a mistake, I never got the other reversal to this day. Please contact XXXX and demand my reversal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good time of the day! 

I got an alert that my debt went into collections. 
I do not recognize the original creditor, I never received any bills. 
My credit score immediately dropped 86 points due to collection. 

The original creditor is XXXXXXXX XXXX XXXX XXXX  The collection agency is M LEONARD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX This seems like an identity fraud to me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2017 I went online to an Experian website that advertised {$4.00} to check my credit score in which I paid for with my debit card. un be knowing to me a month later Experian started fraudulently taking {$24.00} a month from my banking account and there after. I immediately tried to call Experian to report the fraud but was just put on hold for hours on end!!! Experian have been charging my account {$24.00} a month for a membership that I never consented to I see they have different web sites to check your credit, some mention about a membership some don't. The one I applied to check my credit score didn't. I even printed out the website like the one I visited that mentioned nothing about a membership. How sad Experian feels the need to abuse their customers!

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 2022-12-13
Company: EQUIFAX, INC.
State: AZ
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:
XXXX is falsely reporting information on my credit report. I've sent the company copies of my FTC Report along with my police report and other supporting documents showing my identity has been stolen. They are refusing to block and or delete those items and thats a violation. XXXXXXXX XXXX XXXX  XXXX DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX XXXX XXXX It also shows all of the inquiries on the report that needs to be removed immediately. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i,, I requesting that the item ( s ) be removed and or blocked to correct the information. I've called them several times on 12/12/2022 with no assistance with the identity theft matter. They told me they weren't going to block and or remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2020 I applied for a mortgage with JPMorgan Chase Bank N.A. On XX/XX/2020 I received a letter from Chase with the terms of my mortgage. Since that original letter of conditional approval I have received several emails and phone calls from a Chase loan processor. I was advised to go forward with building a house and put a {$20000.00} deposit down and began the construction process. On XX/XX/2020 I received an email from Chase stating I was not approved for a mortgage. During this time frame I was asked in a phone call by the loan processor for a {$500.00} " Good Faith '' deposit to cover appraisal and title fees. I was told the {$500.00} would be credited at closing. I am seeking the refund of this fee. No appraisal or title work has been done since the home is not complete and I was not approved for a mortgage. I have also incurred additional costs in the delay of my closing for our home. I am not seeking the additional costs I've incurred at this time. I will be attaching several copies of supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
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:
I initially opened a secured credit card with a {$600.00} credit limit with XXXX XXXX. After having the account open for a few years, I noticed that my account had been closed. 

The final few months of 2018 reflected that of inaccurate information received by XXXX XXXX. As a result, there continue to be a total of XXXX " charge off '' statuses for each month from Experian. 

I have requested documentation showing fees, etc but have failed to receive any documentation and my attempts to resolve this have been unsuccessful. 

The {$600.00} security deposit that I placed for this secured credit card was also not applied to any balance that I essentially had upon account closure. 

The total balance of {$1600.00} from XXXX XXXX which Experian reflects as a charge off has several inaccuracies that reflect on my credit file as a result of fees, other non disclosed terms & conditions as well as accured charges that were not disclosed in the initial cardholder agreement. 

Experian has allowed XXXX XXXX to report this account as a regular credit card. This was a secured credit card and it does not state that on my Experian file. The terms of this alone require Experian to remove this from my file in it's entirety due to inaccurate reporting.

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 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I work with a business partner we buy and sell used cars, we sold a vehicle and i picked up the check from the auto auction, the check was deposited in my account by mistake he was aware of the situation and was fine with that we thought it was just going to bounce back but Bank of America took it as fraud i called to try to explain but they would not listen to me the owner of the check/ my business partner is willing to go To the bank and clear things up but they dont have any office reps i sent Bank of America documents from the auto auction showing they gave me the check and that it wasnt stolen also a notarized letter from owner of the check but they do not want to remove me from XXXX XXXX and i am not able to open up a new checking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MI
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:
I check my credit report and seen some unauthorized inquiries. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-10-05
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX. I purchased an item called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shelves, Filing Cabinet with Hanging '' using the below website link on XX/XX/XXXX and paid {$100.00} thru PayPal https XXXX XXXX? XXXX & XXXX & XXXX & XXXX & XXXX XXXX. Since I didn't receive the item, I tried to contact the merchant thru phone and email support which are given on the website. But they never responded and the phone isn't a working number XXXX. I file a dispute with PayPal on XX/XX/XXXX but they asked me to contact the credit card company. I contacted the credit card company XXXX and they in turn contacted PayPal and didn't issue the refund due to the response from PayPal below 4. PayPal saying that the payment was made thru " Friends and Family '' which is not covered by PayPal and it's against their policy. I made the payment like any other merchant payment thru PayPal and I am not aware of the way merchant setup the payment with PayPal to sell their products. More over I didn't get any option to choose the other means of the payment.

5. This shows that PayPal is allowing merchant to setup the payment method as " Friends and Family '' option to sell their products and get the money from the customer and PayPal getting their commission if any. But telling to the customer as violation and not covering the Fraud/spam transaction. First of all PayPal has to prevent any such violations with the merchant. They are allowing merchant to setup the payment method but blaming the customer when customer has no option to choose at the time of payment 6. I tried to talk with PayPal many times and ask the above question but they are not answering and refused to refund my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Reference Case ID XXXX Ive contacted Navient regarding my student loan. And the extreme interest being paid Ian on an interest only payment plan which should have ended sometime ago. I paid on time, every 2 weeks and paid more than the requested amount however my yearly interest paid continues to go up and the loan balance hardly budged. Im concerned Ian being scammed somehow as they can not is cola in this. XXXX was the end of the interest only however it was the most I had paid towards interest almost XXXX more. I have asked for a very detailed statement for the past several years, asking to explain the payment breakdowns, balances, interest etc. I believe they are not being honest with this loan and request it be resolved. I have paid XXXX in interest alone since XXXX ... and my loan balance hasnt moved but slightly ... something isnt right. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: FIRST ADVANTAGE CORPORATION
State: NC
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: Personal information incorrect

Complaint:
This company has reported to a job I have applied for as an XXXX that " too many people have used my social security number ''. Once I learned this, I immediately called the company to figure out what this meant. This company told me that there is nothing they can do about this adverse determination because they get all of their data from XXXX. I attempted to call XXXX to gain assistance regarding this matter, however, no live agent answers the phone to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a JCPenny 's credit card on XX/XX/XXXX. I had 1 late payment in XXXX of XXXX. I paid the debt owed in XXXX of XXXX and that was the only time I was late in 13 years. Since then, I cut the card into pieces so I wouldn't use it again! Therefore, I should probably cancel the card! 

Thank you! 
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