BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to a COVID hardship, I requested a deferment on my mortgage. This began XXXX of XXXX. I was notified by XXXX XXXX XXXX Dovenmuele Mortgage XXXX XXXX of XXXX that my deferment had expired and I needed to begin making payments. Which I did at the end of XX/XX/XXXX. They stated that once I made three payments in a row, they would send me a partial claim packet that I would need to fill out, have notarized, and once they received my packet, they would reinstatement my loan. They stated that HUD would pay half of my arrears and the remainder would be added to the end of my loan. 
I expected this packet in XXXX of XXXX but it has yet to come. Since then, Ive been in constant contact with XXXX XXXX XXXXDovenmuehle XXXX asking for the status of my reinstatement/ partial claim packet and I can not seem to get a straight answer. I keep getting different responses such as, I do see you are approved for a partial claim, you should be getting a packet anytime. And I dont see anything in my system. I will escalate your case to management and someone will get back to you. I am now calling everyday and no one is helping me. Ive been in touch with FHA for help and they mentioned they are going to investigate the matter but they were told that the packet has been sent to me, so FHA closed my complaint. Still no packet has arrived and its been a month and a half now since my contact with FHA. 

I am getting certified letters from The Wolf Firm notifying me that I am now in foreclosure even though I have been making my payments since XXXX of XXXX. I can not even get a straight answer as to where my XXXX payments are being applied and where the money actually is. Some XXXX XXXX agents have told me that I am 26 months behind but its been 28 months currently since my deferment started but it has not been 26 months that I have not made a payment. 

Recently, an agent finally provided me with an email for Loss Mitigation so Ive been emailing my requests to them to no avail. I have never received a response. 

Im getting letters, occasionally from Right start ( duplicates ) on the same exact day or letters that are dated months ago and Im just now getting them.

I am getting harassed by tele-marketers wanting to capitalize on my foreclosure. They are even contacting my kids and family using scare tactics. I am not sleeping, I am stressed and sick. 
I cant even focus on my work. 

I need someone to help me please. I am doing everything I can to remedy this situation and I have been making payments. I will be homeless soon if this doesnt get situated. I am not running away or hiding. Ive been facing this and have been taking days off from work to be on the phone for days at a time and it shouldnt have to be this way. I would greatly appreciate your help. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a savings account with M & T Bank here in XXXX and was not told that a service fee of {$15.00} a month would be bank taken out of my account if I didn't keep a minimum of {$2500.00} in my account. I hadn't touched my savings account since XX/XX/2017 and until now this bank has been charging my account up to {$500.00}. so far. I hadn't noticed on my statements until now of such a fee for having my money in a savings account for safe keeping. I called the bank to ask to them to put my money back but they sais they would give me {$60.00} of it because it wasn't the banks fault or error. I said it is the banks error because I wasn't told such rule. I said if I knew of this I would have either kept {$2500.00} in my account or I would had closed out the account all together.

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 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following fraudulent accounts are being reported to my credit reports : 1- XXXX XXXX  XXXX XXXX XXXX Acct # XXXX - amount {$300.00}. 
2- XXXX - Acct # XXXX -Amount {$540.00}. 
3- XXXX XXXXXXXX XXXX XXXXAcct # XXXX Amount {$80.00}. 

I am a victim of identity theft and I am not responsible for these above-stated 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 2020-09-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my 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 2018-05-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hello. 

I am in a repayment plan with Navient for loans taken out for my daughter, starting in XX/XX/XXXX. 

I asked Navient to temporarily hold payments in XX/XX/XXXX. I was granted 6 months with no payment. I requested an additional 6 months with no payment and was denied. Also, my payment went up. 

I originally requested a reprieve based on loss of income. My wife lost her job. But for the previous year, she had been sick and it took a year for a diagnosis. She is still unemployed and na not be physically able to return to work - which has cut out income in half. 

What can I do to get rid of these loans or before a much power payment. I have tried on multiple occasions to negotiate with Navient to no avail. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Convergent Resources, 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:
XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX  XXXX mi XXXX false address XXXX not live there 20 years now.

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 2017-09-19
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had the US Bank Cash + credit card for many years. Under the program terms, consumer must select categories for 5 % and 2 % rewards. Under their disclosure, Fast Food is a 5 % category. XXXX 's appears under the list of " merchants in this category ''. See attached document. For several years, I kept wondering why I was only getting 1 % for my purchases at XXXX 's. I conducted a test during the month of XXXX, 2017. I had two charges at XXXX 's ( {$12.00} and {$17.00} ) for a total of {$29.00}. When I reviewed my statement, I noticed that I received XXXX ( 1 % ) instead of {$1.00} ( 5 % ). This has been going for years. I have brought this to the attention of US Bank several times. I believe that they should either change their advertisement to reflect that XXXX 's is not a 5 % merchant or credit my account with the additional reward amounts. Several times the Bank has promised to research and resolve this with either option outlined above ( change advertisement or credit additional rewards ). The money involved is not large, but my guess is that there are a significant number of people affected by this. The print key submitted is from today ( XXXX XXXX, 2017 ) so US clearly is continuing this deceptive practice.

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 2020-06-04
Company: Experian Information Solutions Inc.
State: WA
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:
submitted a dispute foXXXX XXXX XXXX XXXX, it was not my account someone opened it in my name, experian investigated it and said '' '' it was accurate '' it was opened XXXX it has a balance of $ XXXX never opened this and i don't know anything about it. they won't take it off my report, there never been a payment made on it and if you look at my payment history i have never been late or missed a payment in my life my credit score was in the 800 's and since some one has taken out credit cards and loans in my name my credit score is in the 600's.thank you

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 2018-10-01
Company: Southern Service Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX at XXXX am XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. I am also aware that the Health Insurance Portability Act or ( HIPPA ) regulations in the United States prevent any medical documentation to be shared. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies 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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion is reporting inaccurate and unverifiable information and has affected my lively hood. Because of this, I have been denied jobs, housing, and credit lines. Below I have attached a screenshot of the accounts that are inaccurately reporting per consumer protection law.

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 2018-12-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently used my credit card to buy some XXXX gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Bread Financial Holdings, Inc.
State: OR
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:
Comenity Bank is reporting a late payment. I have already called them multi times and they are in violation of 15 usc 1681b ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I have already requested that they do not report my private information with a non affiliated third party. This late payment they are reporting came from a credit consumer transaction and it should not be reported. It should be exclude from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: NC
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX A XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: PA
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 have reached out to XXXX XXXXXXXX XXXX several times I submitted a police report complaint on identity theft and they still not acknowledging or honoring my complaint

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
The credit bureaus are reporting a really old Bankruptcy that is past the reporting guidelines. It needs to be removed off of my credit file.

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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I wired XXXX to a jp chase Morgan customer for a deposit on a vehicle. A few hours after the wire we figured out it was a scam and did a wire recall thru my XXXX XXXX account. I notified chase Bank as well and filed a fraud claim. Chase bank has refused to recall tge wire or help in the recovery of the funds. They refuse to give us any information to help recovery the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IN
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 kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested XXXX on XX/XX/2017 and I have been paying XXXX every two weeks since then. they are over charging me on interest and fees. percentage rate of interest is 693.49 %. I have paid a total of XXXX so far

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CFPB COMPLAINT - XXXX UNLAWFUL COLLECTION PRACTICES XX/XX/XXXX XXXX is violating state and federal collections laws by harassing me for a paid-in-full one-time rodent abatement services ; a paid-in-full XXXX quarterly yard spraying schedule, and continued billing on an auto renewal I did not authorize see recent billing statement. 

As a result, on XX/XX/XXXX, I sent to XXXX with a copy to XXXX   XXXX, Cease & Desist for abusive and unfair collection practices, erroneous unwanted services, collections harassment. Yet they blow up my phone with non-stop collection calls all day, all week for six months now. 

I have written them, called them and spoke with several collection people, having to repeat myself over and over, yet to no avail. 

The Public Relations department calls and calls, Office of the President, I call back, and they dont return calls. Then they call again leaving the message : have you talked to the local office? 

I never authorized a continuation of services past XXXX I paid for the four ( 4 )  quarters for XXXX IN ADVANCE for yard spraying. I have attached the cleared item check # XXXX for {$390.00} which cleared on XX/XX/XXXX. 

With respect to the rodent abatement, removal of five dead fat rats, insulation removal, attic sterilization, new insulation, I paid in full the {$3400.00}. There are tenants in this property so I moved quickly to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent XXXX payment from my bank ( Citizens Bank NA ) on XX/XX/XXXX. Amount is : {$1900.00} See confirmations as attached. I had the funds in the account but the recipient did not get it, it was pending, but failed. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you. I called Citizens Bank on Tuesday XX/XX/XXXX, and case No. XXXX ( with Citizen 's Bank ). XXXX is giving issues and problems now? 

Funds should go to the recipient that I sent to on XX/XX/XXXX. Follow up with me by call and by USPS Mail, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, 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 was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS

Company response to consumer: Closed with explanation