BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home in XX/XX/XXXX and I asked my mortgage company ( Dovenmuehle Mortgage ) for my escrow refund. I was due a refund in the amount of {$3500.00} for prepaid property taxes and home insurance. I called and was told a check was issued on XX/XX/XXXX. I did not receive it so I called again on XX/XX/XXXX and was told that they had my old address on file. I updated my address and was told they will request to issue a new check. I have repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Every time I call, i am told the check is in the mail. Also, I am told that a new check can not be issued within 30 days of past issuance. I offered to pay for overnight shipping, and tracking information but was told by customer service that the only thing they can do is request the refund check but can not overnight nor provide tracking information. It has been 3 months since I am supposed to receive my escrow refund check. I have requested for this case to be escalated to no avail. I keep calling and keep getting the same excuse, check is in the mail - with no tracking or confirmation that a check has been issued and when i should expect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXXXXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.

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 2019-10-22
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX credit card with account number XXXX was deleted from my Experian credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?

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 2020-10-12
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 sent 3 letters to the credit bureaus : Equifax, XXXX  and XXXX bur they don't update the informations on my credit report, and don't remove things that I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi my name is XXXX XXXX. I have a guitar center synchrony credit card that when I opened the card four and a half years ago had a XXXX dollar limit on it. On XX/XX/20 checked my card to see how much I had available on the card to make a purchase and saw Synchrony bank dropped my credit limit to XXXX dollars. I tried calling them to see if there was anything we can do to restore my credit limit and was told there was nothing they were willing to do. Ive been on good standings with all my accounts. I never maxed out that card. The most I put on that card was XXXX dollars and the card has been paid off for some time now. I dont find this to me fair and would like to put in a complaint. Please email me back about this when you get a chance. My email is XXXX or call me. My number is XXXX. Thank you and have a good day.

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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
on XX/XX/2018 I submitted a complaint with the CFPB about Transunion. The complaint was that Transunion failed and refused to send me their METHOF OF VERIFICATION. per the FCRA 611 ( a ) ( 7 ) I am entitled to request the description of all methods used to investigate the dispute,,, I am entitled to see the names of the person verifying the account with the original creditor, this is my rights and Transunion violated it and best believe I am seeking a lawyer on this matter because Transunion should have removed the account from my file,, Transunion failed to send me what I am entitled to. this is my rights and under the fcra law, I can request it and u failed,, I will be seeing one of your representative in court for the non compliance and the violation of my rights and the FCRA.. I have also provided proof of the complain that I made with XXXX with a account XXXX XXXX,,, XXXX was sent all the information like I sent Transunion and XXXX  failed to send me their method of verification,,, they were in violation also,, but in return XXXX  removed the account from my credit file, because I am entitled to see the information i asked them and i asked Transunion the same thing, and Transunion failed to send me what i asked, so we will be in court for the non compliance or u can remove the XXXX XXXX like XXXX credit reporting agency did..i have the printed copy of the complaint and the response from XXXX  see for your that the credit companies have to send this to the consumer if requested and i did that and Transunion failed just like XXXX did.. ( see the attached complaint and response on the removal of the account XXXX XXXX for non compliance with the method of verification from XXXX through the cfpb site ) i filed my complaint on XXXX with the XXXX XXXX account in XX/XX/2018.. XXXX responded on XX/XX/2018 and removed the account on XX/XX/2018 i have enclosed the proof,

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 2020-06-27
Company: Experian Information Solutions Inc.
State: TX
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:
INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 DID NOT CONSENT, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING INQUIRIES ATTACHED. REMOVE THEM IMMDIATELY. 

THERE ARE ALSO ADDRESS LISTED THAT ARE NOT CONNECTED T ME AND INCORRECT DOB LISTED ON TRANSUNION WITH XX/XX/1983. 

THE ACCT LISTED BELOW IS NOT MINE : XXXX ACCT # XXXX i HAVE FILED FTC REPORT AND DISPUTED THESE ACCOUNTS NUMEROUS TIMES I HAVE NEVER RECIEVED PROOF OR VALIDATION THEY BELONG TO 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 2021-05-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I tried the resolve issue with the company as well as CFPB but seems like CFPB is also associated with Wells Fargo becoz they close the case without even taking to me they didnt reply my message or calls or emails. So I guess this CFPB stuff is also a scam. Becoz XXXX XXXX dont respond to my emails or calls so I guess its a big scam with all of them in favor of Wells Fargo as they are working for 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 2020-11-06
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested both online and via usps mail that fraud alerts and freezes including the extended be removed from my credit report but have failed to be removed. Furthermore the initial fraud alert was done so fraudulently in an attempt to keep me from using my own credit and obtaining credit. I have include my DMV issued identification as I have also done previously to verify my identity

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 2021-07-20
Company: Statebridge Company
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have made every effort to contact and work with Statebridge Company , LLC to no avail. I fully complied with their demands to reinstate my loan, loan no. XXXX, by sending certified funds for the full amount due, {$6100.00}, in the form of a Cashier 's check. 
Unfortunately, Statebridge is non-responsive ; please refer to uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
hey my name is XXXX XXXX paypal closed my account is not keeps sending my my remanding balance to the wrong address and refuse to send it to my primary address and wont allow my to up date my debit infomarmation please help.my email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: AL
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 was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX  XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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 information incorrect

Complaint:
XXXXXXXX XXXX  will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with XXXX, with no amount, but closed on XXXX  and Equifax with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my card and deposited 2 large checks at my bank of America checking account on XXXX not deposit hold was placed on either of checks at the time of deposit. there was no hold on my account either on XXXX XXXX and XXXX. On XX/XX/XXXX I called my auto loan company which is XXXXXXXX XXXX and asked them to go ahead and do a ach on my account for the total amount, later on that evening on XXXX a deposit hold was placed on my deposits for XXXX and XXXX for the entire amount for 10 days. I called and called and called but my plea to release the funds got no where with bank of America. I even had the check verified by the paying bank to bank of america manager Ms. XXXX I was told that bofa employees have no ability to release any holds on accounts. I even filed a complaint on their website and on XXXX I got a call from the executive office and lady named XXXX stated that she might be able to help. She stated as she sees that the ach is pending for the amount of {$7600.00} from XXXX she will make an exception and release part of the funds so that the payment does not get returned. The other funds were still held by the bank until the XXXX. 

I have never seen anything like this and it is a mal practice and fraud from the bank to hold customers funds after making them available for 3 business days and then placing a hold on them. It was a night mare for me and my family for not to have funds that entire week.

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 2021-05-05
Company: Duvera Billing Services, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
LCalled looking to get information on 90 day interest free promotion that expire XX/XX/XXXX on my loan. Immediately the rep started implying about late payments and by XX/XX/XXXX they would attach XXXX dollars to my loan!! which is bizarre illegal and she simply lied about my account being late because they EFT my bank account every other week. Csr then places me on hold for 30mins. She then switch story and tells me if full payment not made by XX/XX/XXXX then 90 day promotion is null and will still attach XXXX interest fees to account she was talking over me wouldn't allow me to speak was very rude wouldnt let me speak to a manager. Nowhere in contract it says anything this csr was saying over phone. 

Interest free means nothing goes towards interest for 90 days. You will immediately start to take interest after promotion expires moving forward. 
This company dishonest crooks does subprime and goes against FTC. 

They never report all my payments to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTION HAS AN ACCOUNT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE, DO NOT SELL, REPORT, TRANSFER OR RE-POST. SEND VALIDATION OR ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE COLLECTIONS COMPANY

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 2019-09-16
Company: Experian Information Solutions Inc.
State: FL
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 HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXX/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