BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sold my house, and the loan ( with Dovenmuehle Mortgage XXXX Inc ) was fully paid off on XX/XX/XXXX. On XX/XX/XXXX, Dovenmuehle Mortgage sent my escrow refund check of {$2000.00} to the address of the property I had just sold, so I did not receive it in the mail. I called Dovenmuehle Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I spoke to the representative on XX/XX/XXXX, they told me the check would need to be reissued, and this process would take up to 30 days. On XX/XX/XXXX, I called to follow up, and they said nothing had been done, but they would start the process now of reissuing the check. On XX/XX/XXXX, I was told there had been a hold up with the check, but it would be rushed to be mailed out. On XX/XX/XXXX, I was told that no check had been sent but that one would be reissued. On XX/XX/XXXX, I was told that the check was in the process of being mailed out, but being that it takes 30 days, it would be another couple of weeks. I called on XX/XX/XXXX and was told again that it was still in the 30-day process and would be in my possession soon. On XX/XX/XXXX, I called to follow up, and I was told that none of this was true, and a check was actually reissued on XX/XX/XXXX. I never received anything in the mail, and each supervisor I spoke to before XX/XX/XXXX had said a new check was not reissued on XX/XX/XXXX. On XX/XX/XXXX, the supervisor said the check would be reissued again, but I have been told this several times at this point. There have been many discrepancies between what I've been told by each supervisor. 

It has been months, and no progress has been made. I have called numerous times, spoken to numerous supervisors, and I still have not received my escrow refund check. Dovenmuehle Mortgage , Inc has well passed any deadline to reissue my escrow refund in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I would like for the credit reporting agencies to look over the pdf I attached to see items that should be deleted or disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/27 I noticed two charges on my cash app, one for {$92.00} and one for {$8.00}, both going to a vendor named " Photography. '' ( from XXXX XXXX, CA - a place I've never been ) That was literally the name of the vendor. Obviously these charges are fraudulent. I did not authorize them. Cash app refuses to issue me a chargeback. I've contacted support and attempted escalation and still have not recovered my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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:
Experian selling my information insurance fraud and tax fraud with a major corporation selling it on my information to anyone that wants to buy it FCRA violations selling to debt collectors that wrote the debt off to get tax break

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.

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 2020-05-29
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: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: AES/PHEAA
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:
I have 2 student loans that is serviced by Fed Loans and US Department Of Education. My Fed Loan was transferred to US Department Of Education. 
On my credit report my Fed Loan account stated was opened XX/XX/XXXX & closed XX/XX/XXXX. transfer to US Depart of Education on XX/XX/XXXX. Fed Loan is reporting stating account is still in the delinquency status as of XX/XX/XXXX. I sent several email to CEO and call the company was told to disputed by all 3 credit bureaus the incorrect information. every time information is disputed it comes back stating no changes. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS collection is tryna collect on two debt from me of {$470.00} and {$250.00} without sending the proper paperwork I need PROOF showing that this in indeed my debt I got a paper in the mail with my name and address on it with a bill that can not be verified that it is real. Anybody can send a fake bill but I need Actual proof that this is my debt I need paper showing that I was paying on these bills A signed contract with my name on it My monthly statement of my paying the bill. 
I know my FCRA laws and youre not following these laws

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First credit services/XXXX XXXX XXXX XXXX gym membership was cancelled due to sickness and was told account would be closed and no further charges. They did not close account and placed on collections. 
I have called and try many times to have this removed from my credit report and they did not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!

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 2021-04-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TD BANK REFUSE TO OFFER THE PROMOTIONAL OFFER. 
I opened a checking account in TD Bank InXX/XX/XXXX. And they have a welcome bonus at that time. If the customer make the {$2500.00} direct deposit, the customer will receive {$300.00} bonus from them. After I had done that, I called at least three their representatives to ask my eligibility And when I can receive the bonus. Their representatives told me I was qualified and the only thing I need to do is wait. However, I had waited for 5 months And haven't received my bonus yet. Therefore, I called to their representative again, but this time they said I was not eligible for this offer. How could this be! When I opened this account, the banker said I was qualified and I also called at least three representatives in XX/XX/XXXX. Both of them said I was eligible. They are totally cheating the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: MI
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:
At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX  stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.

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 2021-05-23
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote to SageStream in XXXX of XXXX and received a response on XXXX of XXXX. This is an egregious violation of FCRA which requires a response within 30 days. 

Pursuant to the FCRA, SageStream is required under federal law to investigate and must correct or delete inaccurate, incomplete, or unverifiable information. I am requesting a correction to the following information used to computer my score AND a description of the procedure used to determine the accuracy and completeness of the disputed information, both which are required under FCRA. 

SageStream wrongfully claims that there is, " Limited history for consumer at this phone ''. This information is inaccurate. I have had one and only one mobile phone number in my life. This number is XXXX, and I have had it since XX/XX/XXXX. 

I have had one and only one home phone number in my life. This number is XXXX, which was associated with my address prior to my date of birth. Therefore, this number has been associated with me since XX/XX/XXXX. There was a change of the phone numbers area code on XX/XX/XXXX, during which the area code changed from XXXX to XXXX. This change was done by the telephone company for all people in the area code. 


SageStream wrongfully claims : " Consumer associated with phone changes ''. This information is inaccurate. There has never been a change in any phone number associated with my name, other than the statutory change of area code listed above.

SageStream wrongfully claims : " Distance between prior residences ''. This information is inaccurate and incomplete. I have never had another residence. The only residence I have ever had is : XXXX XXXX XXXX, XXXX, NY, XXXX. The report incompletely lists my address without the state and town listed on my consumer report. This address should be complete and consistent with the address above. Therefore, there should be no distance prior residences because I have had only one address. It is the same address and any reasonable person reading the information in the report should understand that.

Moreover, SageStream has been irresponsible in their transition to ownership by XXXX and has not done their due diligence in forwarding mail from their XXXX XXXX address to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX  and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested a Compliance on account, its been over 60days havent gotten a response therefore im reinterating my request in The Fair Resolution Box.

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 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was given payment assistance for COVID 19 in XXXX and XXXX. I was told no interest charges would be assessed in XXXX and if I needed assistance in XXXX to call back in again in XXXX and request it again. I requested assistance in XXXX for my XXXX payment and was told that it had been processed and no payment was due, at no point was I told that interest charges would be assessed for XXXX, and I was not charged any interest in XXXX. So when I got approved for XXXX assistance no interest should have been charged either, I wasn't told I would be charged interest!! So I got my statement today on XX/XX/26 and I was shocked to see interest and in fact in was 35 more than in previous month even though my balance was lower!! So I Called and spoke with XXXX on XX/XX/26 who said that he would he would adjust the interest charges for me since I was not told the charges would be assessed in XXXX, Also he states that he could not figure out why interest was higher because the APR prime rate was lower this month than in previous month and my balance was lower!! So he would adjust it and waive it, when he tried the system would not allow him to waive the XXXX in finance charges or whatever they were and then got very stern and said it wouldn't let him do it so was there anything else he could do, really? Your system wouldn't let you fix the error so you basically just try to pass it off like it didnt happen!!! Then I get transferred to a manager named XXXX who was even worse who states that Cpaital one decided late XXXX to change the policy and start charging interest and she couldn't do anything and basically this was how it was and she couldn't waive the fees that the system wouldn't allow her to do anything either. She basically has the same authority as the previous agent and I asked even though I wasn't told that I would be charged interest and had been previously told interest was waived now you change the policy without telling me verbally or in writing that im out of luck!! She basically tells me because capital one changed the policy there is nothing she could do. Even though my balance is lower and the APR is lower my finance fees are higher than in previous months, how is this even possible!!! She wasn't even trying hear me out on this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
For the last 10 or so years Midland financial has been attaching derogatory items to my credit report and each time I have disputed the derogatory item and the derogatory item has been removed each time because Midland could never validate the debt. I also sent them a certified letter asking them to validate the debt and send me a contract, etc with no reply. 

Fast forward to the present. I noticed that a little chunk of money was being deducted from my check. I initially assumed that it was due to me changing my health plan. Well, under further investigation I confirmed that it is a wage garnishment from Midland. It has to be a default judgement because I was not aware that there was a court date or a lawsuit against me. The suit is for {$2500.00} I currently do not have nay documents. I did not even receive notice from my employer. MI contacted my employer and they are going to send me whatever documentation they received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I called fox collection to ask a few questions about a previous payment I made, at that time the agent started making threats about me being reported to the credit bureau. I said excuse me what? That was new to me and the agent hung up the phone. I had to vall back because I needed to provide my bankruptcy information. The agent refused to collect my lawyers information. A supervisor called me back and I provided her with my lawyers info, I voiced my concerns about the unprofessionalism and lack of knowledge from this company. They operate as bullies and their highly disrespectful which is why on XXXX they have poor ratings. The supervisor took my info and reassured me there wouldn't be any damage to my XXXX. My attorney XXXX XXXX advised me that fox collection reported me and this was AFTER i provided my chapter 7 info. My attorney advised me that fox collection is now in violation of my rights and I can proceed. I need for Fox collection to remove this account off my report as I also recorded the call. This company need to be investigated thoroughly because this is definitely unfair and illegal practice. I will make my formal complaint public in hopes that others will join in. I provided my bankruptcy information onXX/XX/XXXX and they reported on XX/XX/XXXX

Company response to consumer: Closed with explanation