BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: NV
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:
Last year in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I believe XX/XX/XXXX I disputed the status of my auto account with XXXX XXXX through them ans through Experian and XXXX  Credit Bureaus. XXXX had my account for my vehicle listed as a charge off account, but they were receiving payments through the bankruptcy trustee of Nevada during XX/XX/XXXX. I had the bankruptcy dismissed due to other issues with the bankruptcy overall, on XX/XX/XXXX. According to the law, the accounts are to return to the status they were in prior to the bankruptcy being dismissed. I challenged this with XXXX several times, and finally the account was updated on XX/XX/XXXX to past due 30 days. The charge off was removed from my credit report through experian and transunion, and was finally correct. However as of XX/XX/XXXX, XXXX has fradulently updated my credit report through experian and XXXX  to a charge off status again. I am paying on the vehicle and the vehicle is in my possession, and has never been repossessed or returned to XXXX. They have now caused my report through experian and XXXX  to reflect inaccurately, and they need to update and correct the information immediately. They need to reflect the accurate information and I have proof of the credit reports and payments they received from the Bankruptcy court of Nevada.

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 2018-02-21
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i contacted credit Karma on XX/XX/18 filled out the information to include my ss # and then they blew me off saying an error occurred so i re entered my ss #. and they came back with a page that said they wanted photographic proof of documents and to send them via fax ..i tried to complain that i felt it was wrong that they took my ss # then threw a wall of XXXX in front of me and well, now they have my info and i have nothing .i did tell them i was going to file with you folks and they put up another page telling me that i had something going on with my identification they asked for photo copies of my drivers licence.?? this just seem over the top to me and im concerned they are not who or what they claim to be.. 



STEP 1 Create your account STEP 2 Tell us who you are STEP 3 Confirm your identity Validation Failed We're sorry, but the answers you provided did not match the information on your credit report. We will not be able to grant you access at this time. 
This process is necessary to ensure our commitment to protecting user data. 
We need to double-check your identity To help us verify that youre really you, we need to see photos of your ID. 

Option 1 : Verify with your phone ( recommended ) Quickly snap and send photos of your ID with your phone for instant verification. 

Continue to phone verification Option 2 : Mail or fax photocopies Follow the instructions to print and send us photocopies of the required documents. Our Member Support team will follow up with you by email ( usually within 5 business days of receiving your documents ). 

1 ) Please provide two ( 2 ) copies of Identification. You must include one ( 1 ) document from each of the categories listed below, one ( 1 ) Primary and one ( 1 ) Secondary. All documents must be valid ( expired forms will not be accepted ). 

Primary : Driver 's License or State ID Passport Green Card /Temporary Resident Card Birth Certificate Secondary : Another Primary Document Social Security Card Utility Bill. ( Address must match at least one on file with XXXX ) 2 ) Mail your documents along with the email address associated with your Credit Karma account to the following address via postal mail : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX If you have any questions, please do not hesitate to contact us. 

( again. they have my info my ss # and i received this in return )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Telerecovery Corporation
State: IL
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 am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor TELERECOVERY Account Number : XXXX Please remove this account from my credit report immediately! 


Please remove this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part is causing me a lot of trouble financially.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been disputing this account for about 6 months. They dont care that they are reporting incorrectly. Im educated on the laws and its the law that each credit bureaus has to report 100 % accurate information on the consumer accounts. They are really not cooperating with me at all. They are ignoring what Im saying to them. They keep on saying that the account is verified or accurate but I never stated that the account wasnt mines I just pointed out the errors and I just want the account delete because they are reporting the account incorrectly. I have the original statement from the creditor and they still reporting the account incorrectly. I want the account deleted immediately, I will take legal action next because they really acting as they dont care.

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 2018-02-21
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. I resided in an apartment complex called XXXX XXXX in XXXX XXXX Arizona. Address is XXXX XXXX XXXX  XXXX XXXX. XXXX, AZ XXXX. I rented from XX/XX/XXXX to XX/XX/XXXX in apartment XXXX and finished the lease. We did a walkout inspection with a management employee and he claimed there were red floor stains on the vinyl, which is not true. I have taken video and photographs with a newspaper for the date and time to prove it. The apartment management refuses to acknowledge this. I also sent letters requesting information about the charges, what company they hired to fix the floor, or when the work was done. When I approached management again, I asked for a receipt to prove the repairs they made, but they could not provide it and claimed they had no such receipt in their files to even prove they did the work on the floor. Also, before my family moved into the apartment, the floors were heavily scuffed, discolored, and damaged and we notated that with our move-in inspection. The apartment also did not notify me of their intent to send me notification of forwarding this claim to creditors. With counseling, I sent written letters to the apartment and even sent certified mail with no response. The mark on my credit is still on current reports. My wife also filed a complaint to consumer finance back in XX/XX/XXXX to look into this matter and was able to have this negative mark removed from her credit, but XXXX still has not taken it off mine. 

The debt collection service is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the representative is XXXX XXXX.The dollar amount they are attempting to collect is {$120.00} and {$18.00} of that amount was interest unless the numbers changed recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . They have gone bankrupt and my loan has changed hands either because of their bankruptcy or us refinancing somewhere else.  XXXX   XXXX  is no longer in business but the  Lien  is still on my property. I would like to remove this from my deed/title. Please help.    XXXX   XXXX  was  XXXX   XXXX  but have been divorced. If u need divorce papers or anything feel free to contact me.    XXXX   XXXX  Missouri  XXXX    XXXX   XXXX   XXXX   address was  XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Their investigation did not fix an error on your report

Complaint:
over the past 6 months I noticed 2 accounts reporting on my credit reports that are mistakenly reporting ... I contacted equifax over the phone on numerous occasions and every time I call them I get a operator who cant speak english and each time they refuse to let me speak to an american ... I was told I could go online and dispute them and each time I go online it says my information doesnt match their system

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX Part.  Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Received notification from my credit report monitoring service that someone had fraudulently applied for a line of credit with XXXX XXXX XXXX. This was not me. I contacted XXXX XXXX XXXX and told them it was fraudulent and I also contacted my credit monitoring service. The name and ssn were correct but the address utilized was completely incorrect and I know no one at that address or even in that state.

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 2023-11-05
Company: DHI Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I closed on a townhome XX/XX/2023 ; it was a new build with developer XXXX XXXX. The lender was the developer 's, XXXX. An appraisal was completed for financing in which the home appraised for XXXX, XXXX which was the price of the home. After completion and closing I emailed for a XXXX appraisal, as it stated I was entitled to. The lender did not respond when it reached my personal loan officer through email and I received notification within XXXX hours that the loan had been transferred to another company. My first payment for my home never even went to the original lender because of transfer of loan so quickly. When I received the county loan appraisal for property taxes the appraisal of home was {$50000.00} than the original loan that has been within less than a 6 month span.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar took over my mortgage from  XXXX   XXXX   XXXX   XXXX    . I have copies of every check made out to Nationstar and cashed by  Nationstar  showing paid on time, but they are reporting m e 30,  sometimes 60 days past due. I get harassing calls  3-5  times a week. I have repeatably spoken with supervisors ( all documented ) and they have not fixed the problem. They have caused me to pay higher interest rates and I can not qualify for a new home loan because of their fraudulent reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Case Number XXXX RE : PAYPAL XXXX Transaction Date : XX/XX/2017 Disputed Amount : {$460.00} XXXX XXXX has closed my dispute case and refused to credit my account for a purchase that was knowingly fraudulent/dishonest by the seller. As evidenced in the attachments submitted, the merchant agreed that the seller was to issue a refund - however, the seller refused and I was never even given an opportunity to return the item ( see XXXX Item/Sale pages ). In the end, the item also turned out to be defective ( see XXXX letter of second opinion ). The evidence was submitted during the initial dispute entry ; XXXX XXXX dragged their feet on the matter and stated not enough evidence was provided in a timely manner, which is false and completely unacceptable. Please review as this is my final attempt to make things right. If a resolution ( in the form of a refund ) is made, my wife and I will be eliminating use of all of our XXXX XXXX cards, closing our Money Market account and transferring our funds to our credit union account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint number XXXX, and US Bank rsponded but,. I had three lending specialist who reviewed the correspondence ( Two loan officers and one processor ) seem to take issue with your response in the following areas You claim that your impound department relied upon the county tax record to review my taxes for accurate amounts and balance. I find this interesting as your loan department clearly knew that this was a refinance loan and the purchase price was also a matter of public record. I also find it interesting that your impound department didnt question a XXXX   loan on a property valued at XXXX. I understand that the supplemental tax bills are not sent to the lender, only to the borrower, however one of the loan officers I checked with told me that after 30 days, the supplemental taxes are computed and placed on the tax bill. He supplied me with such a notice which I am attaching for your review. Surely your impound department would have seen the increase and been able to accurately accounted for the correct tax amounts. I agree with you that they origin of mis-information was with the originator, who I now understand was not US Bank, but I hope you understand what an imposition this has been on me to know that I was misled into believing that these matters were taken care of, only to be hit with such a large discrepancy.

While I do not claim to be ab expert on Impound account reconciliation, it strikes me as odd that : Your impound department did not catch the discrepancy between the property tax amount and the amount they confirmed with the countys tax department.

Your impound department didnt calculate the {$490.00} tax amount based on the purchase price of the home or for that matter question the decrease in the tax amount on the loan application or XXXX from the loan officer who originated the refinance.

These discrepancies have caused me a great hardship and may force me to sell the house altogether. I would have thought this is something your bank would have wanted to be on top of. I certainly would have made different choices had I been informed at the time of the refinance what my payment really would be. Believing that it would be {$400.00} dollars less, I made choices which have led me to this point.

As for the relief, I find it difficult to take on all of the blame for the miscalculations of the impound department and the deception of the loan officer from the other company. I am not an accountant and as such am not expected to know when a discrepancy of this magnitude is made. Your employees I assume, have some accounting background. Im told that loans must meet certain guidelines to be originated and purchased. Im curious, with the income I have and the payment of this new loan, did I meet those guidelines?

Please reconsider 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 2021-02-24
Company: Dovenmuehle Mortgage, Inc.
State: ND
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in the process of refinancing and can not get the correct payoff from Dovenmuehle after several unsuccessful attempts to communicate with them. The issues stems from their failure to correctly manage our escrow which they misspent and demonstrates us in a negative balance which has increased our pay off amount. 

My husband ( a XXXX veteran ) and I have recently worked with a new lender and secured a much lower interest rate for a refinancing opportunity. However, the new institution we are working with can not receive the correct pay-off amount from Dovenmuehle Bank which has caused us to request ( and pay for ) a rate lock extension. I have tried over the last 2 weeks with at least 10 separate attempts to communicate with Dovenmuehle to receive a correct pay off amount simply to be placed on hold for hours with no results, disconnected, or outright provided incorrect information. We fear, based on current communication impasses with Dovenmuehle, we have the potential to lose the refinance interest rate we are locked into. This would result in us losing thousands of dollars due to Dovenmuehle 's negligence. 

In XXXX I was checking with our local county to verify our property taxes, I ( not Dovenmuhle ) discovered they had used our escrow to pay another homes property taxes. This discovery began a long two month process with the same failure to receive information, speak to someone with authority to impact the situation or attain any results to rectify the issues with our local county tax department. 

The issue from the tax fiasco is the contributing factor to our current unresolved issue. We currently have an escrow balance of {$1800.00}. This amount is correct and is shown on our recent escrow analysis. However, the payoff statements we receive are showing our escrow is still in the negative because they have not correctly rectified their mistake with our money. The negative escrow balance of {$4100.00} they are showing has increased our payoff amount. We simply want to have them correct their records and provide our new lender and us with a corrected pay off amount in time to secure the refinance interest rate so we can leave the nightmare they have created.

Company response to consumer: Closed with explanation