BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: Dovenmuehle Mortgage, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX XXXX changed mortgage servicing companies from XXXX to Dovenmuehle Mortgage. In this transfer/change my account number for my Mortgage also changed. Since XX/XX/XXXX, Dovenmuehle Mortgage the payment processing company for my XXXX XXXX, has not reported this XXXX loan to the three major credit reporting agencies of XXXX, XXXX, and XXXX. 

Information regarding my XXXX XXXX as it currently reports to the 3 major bureaus is Closed/Transferred Acct #  XXXX on XX/XX/XXXX. Technically, this is correct. This account NUMBER was closed/transferred. However, what does NOT show on the reports and what has not been and currently not being reported is XXXX XXXX account XXXX, which is the account the old number was transferred TO. 

I have been receiving statements from XXXX account XXXX with correct balances, payment history, and have made on time current payments since XX/XX/XXXX. However, none of this account, it's existence, it's balances, it's payments history, are being reported to XXXX, XXXX, or XXXX. 

I have filed credit disputes with these three bureaus, however they can not dispute an account that in their systems, does not exist. I have been " in complaint '' of this error to XXXX beginning XX/XX/XXXX when I discovered the errors. XXXX instructed me to direct my concern to " XXXX '' with my details. This department does not allow direct customer contact and forces me to have to speak with a general customer service rep at the XXXX number. These general service reps do not have the ability to speak to the department handling my case. They also insist that they are IN FACT reporting my loan to all three credit bureaus. They are not resolving my issue and there seems to be no one to work with there. 

XXXX 's new mortgage loan processor, Devenmuehle Mortgage, is IN FACT NOT reporting to XXXX, XXXX, or XXXX the loan activity and balances on XXXX XXXX   loan XXXX for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.

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 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim Of identity Theft someone use my personal Information without my Authorization to open account for there Benefits

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 2021-12-03
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent letters to the XXXX credit bureaus telling them that there were items on my credit report that should not be there! There were multiple incorrect entries that I did not know about nor know how they were put on my report! It has been over XXXX days since I sent these letters and I have still not heard back from any bureau. According to section 611 a, failure to investigate items in XXXX days gives reason to immediately remove all the inaccurate items from my credit report. And I truly believe that after waiting this long they have not even started my investigations! I need these items to be removed immediately or I will have to file for litigation!

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 2021-12-03
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Using a referral site ( XXXX ), Better.com APR is 2.561 %. But, when you go from the same link to Better.com and apply for the loan ( no data is changed ), the rate is with 4.039 % APR. There is a huge difference and this is misleading consumers and affecting their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: WAKEFIELD & ASSOCIATES, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: DE
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  Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Paid Closed Acct # XXXX XXXX XXXX XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Repossession, {$4400.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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  Accounts # 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 XXXXXX/XX/XXXX, Paid Closed Acct # XXXX XXXX  XXXX, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, {$4400.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-09-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
SPS is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in RICO with armed forces  police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. 
Sps needs to prove who the Attorney is and XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with Usury 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XX/XX/XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. Commercial Lien will be coming out for your Fraud. 
someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX has no way to separately apply late fees for payments on their app or on their website. Paid the full amount including late fee and they do n't apply it properly, then send late fee notices, make calls for collections and then I say it they have been paid with my total amount. They still do n't apply the payment properly. Finally send an email to them to fix it, they communicated back they applied it properly after months. They instead added them all together, charged {$30.00}, sent me another bill to collect the late fees, when I already paid them. I called them again today and the conversation went no where. They asked me a like 10 questions about my account and they still could n't help me. It has been a terrible customer experience. 

At this point, I need help to resolve this current matter, but for the future they need have a way to appropriately apply payment amounts to the proper buckets like late fees, extra principle etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22 I received a letter from XXXX XXXX  is attempting to collect a debt {$470.00} that they purchased from Citi Bank/Best Buy for pennies on the dollar, that neither company would validate and sold. I had it removed off my consumer report then XXXX XXXX  bought the debt and placed it back on my consumer report with out my knowledge. Now they are contacting me at my private address that I gave them no permission to do so. I do not have any contract with them nor have they validated the debt, they just sent me a copy of some paper statement that can be printed out. They have the debt listed as collection/charge off on my consumer report which is illegal since they did not charge it off or have a contract with me. I have contacted them and ask to stop reporting this debt and discontinue reporting any trying to collect this debt. They ignored me and said they validated it which I know they did not.

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted Transunion several times, and sent them copies of my marriage certificate, driver 's license, social security card and a utility bill in my name. I have sent multiple letters via mail and I have called several times since XXXX. The last time I called was XXXX/XXXX/XXXX and before then XXXX XXXX and XXXX XXXX of this year XXXX. I informed them I was looking to clean my credit file and update information in order to purchase a home, and I was told that my married and current legal name does not match my credit file. But when I cal, they will not let me speak to a US representative and say that I need to tell my creditors my issue. I then state that my issue is with Transunion and that I am not asking them to delete my maiden name but put it as an AKA to my married named so that my married and current legal name shows up first on my credit file. I have been denied credit because of this.

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 2019-08-08
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notice from Rent Recovery stating I ow 's aped a balance to XXXX XXXX Apartments. I immediately contacted the apartments Manager and was told this was and error. My deposit was refunded to me after this exchange of communication. The debt thats in my name is fraudulent. I'm reach out to the CFPB before taking legal action. I reached out to rent recovery in writing letting them know that this debt was fraudulent. I havent received a reply nor acknowledgement. I responded in writing in 7 days of receipt well beyond my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this dispute in response to Ad Astra providing FALSE information to the Consumer Financial Protection Bureau on complaint XXXX dated XXXX2017, For 4 years I have disputed Ad Astras right to report and collect alleged debt. For 4 years Ad Astra has falsified dates. For 4 years XXXX has allowed Ad Astra to report and has not properly investigated dispute. XXXX and XXXX do NOT report only XXXX. I have ATTACHED a letter with a timeline and with proof of the inaccurate dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I disputed a transaction Bank of America on XX/XX/2020 in the Amount of XXXX for a service with XXXX XXXX XXXX. This is what was sent below. My claim was denied on the basis of duplicate billing, however I am not sure which reasoning this best fits under. The service was clearly not as described. 

Dear Claims Department : I am submitting this statement to defend my claim # mentioned above. On XXXX, XXXX XXXX XXXX charged my account in the amount of XXXX. I have attached the invoice, highlighting the areas of my concerns, minutes quantity and message quantity. These were items that I WAS NOT suppose to be charged for according to the updated agreement signed. In the agreement attached, I have highlighted the area where it CLEARLY states that SMS and call minutes were included in the FLAT monthly charge of {$590.00}. 

This program is a " Done for you '' system, in which virtual assistants send out texts and calls on your behalf. ( highlighted in the agreement ) The client does not control the amount minutes/texts that are incoming or outgoing. 

Please review the portions of the contract highlighted along with the invoice. I am sure you will find that this is a clear discrepancy. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Choice Recovery, 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 is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaints should have the opportunity to respond to company responses. Since both the third party collection agency and the original debtor answered this. Responses are below. 

In regards to : ~~TRANSWORLD SYSTEMS INC ( TSI ) ~~ TSI did not adress the issues. 

1. TSI stated via phone call they received this debt in XX/XX/XXXX. I never received any statements from XX/XX/XXXX-XX/XX/XXXX while I  was in the military and they were fully aware of my location ( s ) 2. I never received any statements until XX/XX/XXXX. Why? 
3. HOW is this debt NOT subject to the limitation in PUBLIC LAW 110-234? 
4. To the best of my knowledge, it is illegal to charge BOTH a collection fee and interest.
5. They refused the settlement.
6. Being a third party collector ( by the admission of XXXX ) they are NOT affiliated with the federal government. They are merely just another collection agency and thus illegally misrepresented themselves and violated the laws which govern fair collection practices. 



XXXX XXXX stated that no address was given. I was still in the airforce when this supposedly got transferred to the 3rd party collection agency. As part of the clearing process both to a new base AND to exit the military an XXXX/soldier MUST go to XXXX and be cleared. 

In addition, when there is an outstanding debt while a member is in service their pay is garnished and a report sent to their XXXX XXXX and XXXX. 

When I XXXX to XXXX I went through the clearing process and also when I exited the XXXX. 

Had there been a debt I would have been garnished while I was still in service AND/OR forced to sign an agreement for repayment upon exiting the military as is the standard. 

TSI has refused the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: SC
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have old inquiries on my credit that will not come. That should have came off after 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX  and incurred medical expense along with some other health issues that also incurred out of pocket expense. Started paying multiple medical bills with the amount that i could monthly afford for all of them. CMRE has been accepting my money and applying it towards my balance. The monthly payment amount wasnt what they preferred me to pay and said it was not enough. They reported to the bureaus that XXXX, XXXX and XXXX that it was a collection, as if i had not been making payments. How is it legal to report that someone isnt paying when they have been? And have it impact a persons credit so negatively? I have receipts of payments i will include. But i will also say the other medical bills i have are happily and understandingly accepting the monthly payment amount that i can afford to pay them. During a pandemic and people struggling to pay bills, it is really horrible how this collection agency is conducting business. They are getting paid and will continue to be paid until the balance is paid off. But its very disturbing how they have no compassion for people who are trying to pay their bills but may not can afford to pay what cmre requires of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I am disputing some accounts in my credit report but I have not received a response from the bureaus. 

I will attach the letters sent to the credit bureaus.

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