BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

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 2021-10-05
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was modified after falling behind by Gregory Funding. I was bombarded with intimidating Court Documents making me feel if I did not agree to the terms offered they would proceed with Foreclosure. 

I was forced to retire after 37 years with XXXX XXXX and my salary was paid but reduced by more than 50 %. My mom was on the origial loan with me. We modified the loan the same way, however myself and my husband make the payments. I submitted paperwork with his name but they modified as per the origional loan. I have no idea why this was done. 

The deal I felt I had to take was not good but I was desperate to keep my home. I was unaware, at the time, of forebearance programs and the moratoriums on foreclosures nor did the bank mention this. I tried to contact the banks lawyer but they would not speak with me about correcting the paperwork. The loan should have been in my and my husbands name.. I thought I was applying for HAMP which I understood offers a good interest rate, especially during Covid. Mine rate is 5 %. I had to come up with XXXX in cash. I feel I was ripped off by this bank which should have given me a better interest rate and should have modified as per my application. I can not take advantage of a full homestead as the loan has my mothers name on it. She does not live her. It was as if they did not even look at the application. 

I havent received the permanant modfication papers yet. The only thing I have received is from the court- it has been released from lis pendens. I would like to reapply or refinance for a better rate but Covid had caused my credit to take some dings. My husbands credit is perfect. He qualiifies for FHA. Can the Consumer Protection Beureau help? Are there better programs out there? I would like to refinance to an affordable payment. My loan is just over XXXX but my payment, interest and taxes come to XXXXXXXX XXXX per month. This does not include insurance. I will start receiving a pension next month. My husband is still working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX and the Wells Fargo Executive team are not serious about treating their customers ethically. 

Since XXXX Wells Fargo has assessed me approx {$5700.00} in Overdraft fees ( please note this amount is AFTER all reversals ). Overdraft fees are a predatory practice to exploit the poor and break their Deposit Account Agreements. 

Please note the following : - While attempting to overcome a season of hardship in XXXX, Wells Fargo charged me {$2600.00} AND illegally repossessed my vehicle! 

- In XX/XX/XXXX, Wells Fargo held a {$2000.00} check I deposited for TWO WEEKS! 

- The check was from one of the Largest health insurance providers in my state. 

- The check was less than {$5500.00} - I've NEVER had a check deposited that has returned unpaid - I've had no overdraft fees since XX/XX/XXXX - Wells Fargo did not mention an emergency or failure of communications equipment.

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 2017-12-12
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a fax to Dovenmuehle Mortgage XXXX XXXX XXXX on XXXX XXXX, XXXX to request for a loan recast and removal/cancellation of mortgage insurance. I then spoke to XXXX XXXX on XXXX XXXX, XXXX. Shockingly, XXXX XXXX only addressed my recast request in her letter dated XXXX XXXX, XXXX. I finally obtained an unsigned letter from Dovenmuehle Mortgage about the request to remove the mortgage insurance. I needed clarifications and my wife and I sat down for two hours on Monday, XXXX XXXX, XXXX from XXXX XXXX. In two hours we put in nearly 6 calls and waited on Dovenmuehle Mortgages customer service line for over one hour. We requested for the name and phone number of an office with responsibility for mortgage insurance removal ( as outlined in the Consumer Financial Protection Bureau regulations ), but were told that Dovenmuehle Mortgage does not have any such designated officer. We spoke to XXXX ( XXXX ), XXXX, XXXX ( XXXX ), who said she is a XXXX and XXXX XXXX, who introduced himself as a XXXX. XXXX ( XXXX ) dropped the phone on me and XXXX XXXX was just not willing to do anything and refused to provide any fax number where I can send in a detailed letter outlining how I wish to have the check I am sending applied. Dovenmuehle Mortgage is a disjointed, customer service floor with no one with direct responsibility to provide key services to customers. Dovenmuehle Mortgage should be made to have officers put their names and contact phone numbers on letters sent to customers. I have had to call this company several times and have to be on the line/phone for hours. The culture at Dovenmuehle Mortgage is horrible and the service is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX XXXX XXXX in XX/XX/2020. My loan was transferred to Dovenmuel and then XXXX within a couple months. In this transition, a payment i made through my bank ( XXXX ) of {$1700.00} went missing. I was told I was behind on my payments and would have to make another payment less it affect my credit. After spending many hours on the phone with the 3 banks who all denied having kept the payment, I asked my bank XXXX to help track it down. They gave me a temp refund XX/XX/XXXX. XXXX XXXX XXXX  took back this payment from my account. I'm not sure how to move forward. My XXXX  is slow with Covid and I fear foreclosing on my home. I have $ XXXX equity in this house and it is all my life savings. I am a single mom and have no money to hire a lawyer to go after this scam. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 non-monetary relief
Consumer complaint received 2021-02-11
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Reported me to XXXX XXXX credit Report as having {$620.00} charged off as a bad debt. 

This is totally incorrect. 
I HAVE TALKED WITH THEM SEVERAL TIMES. 

My checks were taken and my signature forged on checks amounting to about {$600.00}. The bank charged me, then took it off and closed my account. Kept the small amount I had left in my account and now reported me as a bad debt. They do not want to resolve the problem and it is affecting my credit report which is also affecting my homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Advanced Resolution Services Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Advanced Resolution Services is not allowing me my right to have my credit information frozen and insists on trying to force me to jump through hoops to get my report frozen. I have been attempting to get them to freeze my report since the 4th quarter of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2019-12-29
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have sent several request to both Trans-union and XXXX to remove incorrect addresses, phone numbers, income of SSI, and names from my credit report. However, even though the emails and website shows deleted it still is showing on the report and it is affecting my closing process on my new home. 
There should only be one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX One phone number XXXX one name : 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following fraudulent items from my Credit File : XXXX XXXX XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-11-02
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
pen fed credit union reported on XX/XX/XXXX that my personal line of credit had a balance of XXXX when I paid my loan in the amount of XXXX on XX/XX/XXXX which was before the due date. I do not understand why incorrect balances are being reported. this is the second time. this is unfair to customers who pay their bills on time.

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 2019-10-31
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security Credit Service Orginal creditor : XXXX XXXX : BALANCE {$2600.00} XXXX XXXX XXXX ; Orginal Creditor : XXXX : Balance {$250.00} I am victim of identity theft, the information listed above, which appears on my credit report, does not not relate to any transactions that I have made. it is a result of identity theft. I did open another FRAUD INVESTIGATON CLAIM with XXXX, XXXX and XXXX for immeditlay removal. Addtional to that, all three credit bureaus has a previous police report on file and idenity theft report from previous fraud collections that was on my credit reports once before. ( please protect my identiy )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, TRANSUNION

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 2022-10-13
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/21 send police report of Identity theft to company, company received on XX/XX/21. Company responded the fraudulent accounts were verified on XX/XX/21. On XX/XX/21 I requested all the information that would support the verification of the fraud accounts have not received any response from 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 2017-12-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Paypal charged me almost 5 % for a domestic transfer in the US. I sold an item to a buyer in Florida and they are telling me that its being considered an international sale because of his account type. 

However, XXXX XXXX XXXX this link provided does not mention anywhere about account type. It only mentions that if the sale occurs within the US, which it did. 

Unfortunately, this is my third complaint this year against paypal. They have been misleading customers like myself with hidden charges. Im hoping the CFPB will step in to protect other consumers from their tactics. 

My other complaint which was closed was that they kept making unauthorized transactions towards my bank account. They falsely claimed to the CFPB that I was given monetary compensation before I submitted my complaint. This is not true. They compensated me only after writing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion Credit Reporting Company, My TransUnion Credit Profile shows an Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX. An inquiry should only be on a person 's credit profile for two ( 2 ) years, the date of my complaint is XX/XX/XXXX ; therefore, the inquiry should be removed immediately.

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 2023-04-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I requested an additional credit card on my ExxonMobil Citibank account. I never received the card in the mail. Between XX/XX/19 and XX/XX/19, XXXX unauthorized charges totaling {$800.00} were made to the card. I was never alerted to this fraud until I received my statement on XX/XX/19, at which time I contacted the card issuer. I was told that I would not be responsible for the charges since the card was never in my possession. I called again on XX/XX/19 to check one the status of the issuer 's investigation and was again assured that I would not be responsible for the charges. Thereafter, on XX/XX/19, I received a letter from the card issuer dated XX/XX/19 stating that I was responsible for the charges, despited the card issuers assurances that I was not, because I purportedly did not provide the amount of the charges. This is untrue. I called a final and third time on XX/XX/19 and listed all 16 fraudulent charges, including the dates and amounts. Notwithstanding my best efforts, Citibank has failed to credit my card for the {$800.00} and associated interest. I am attaching the statement showing the charges ( see " Card XXXX '' ). The last person I spoke to was XXXX whose employee ID number is XXXX. She too refused to resolve this issue, stating it was not her department, then disconnected the call without permission.

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