BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced primary residence on XX/XX/XXXX and loan was paid in full. 
Dovenmuehle Mortgage company auto-drafted loan payment on  XX/XX/XXXX after loan was paid off. 
Called Dovenmuehle on XX/XX/XXXX to inform them of the extra payment & the escrow amount owed. They told me the checks would be cut in a week and then placed in the mail ( 7-10 days for delivery ) Called Dovenmuehle again on XX/XX/XXXX. Again, they told me the checks would be cut the next week and then placed in the mail ( 7-10 days for delivery ) Received Mortgage company checks for the  escrow amount on XX/XX/XXXX but NOT the additional mortgage payment Called Dovenmuehle again on XX/XX/XXXX to inquire about the remaining balance ( {$3500.00} ). Company placed another work order and  assured the check would be cut on XXXX and mailed. 
After no check was received an no activity on the account, I called on XX/XX/XXXX and spoke to a supervisor. He told me the previous 3 work  orders were done incorrectly and assured me that the money could be wired later that day. I submitted a voided check at XXXX with the routing information. 
After no funds were wired as of noon on XX/XX/XXXX, I called the company yet again. The company says they can not wire the funds for 5 days. 
According to XXXX escrows should be paid in 20 business days. This has been over 30 business days with multiple attempts to resolve this with the Dovenmuehle customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2014 I purchased a bed and accessories from XXXX XXXX which was serviced by XXXX XXXX on a merchant 's store credit. In addition, I paid for accessories by separate individual credit card not associated with the store, XXXX XXXX or XXXX XXXX. Upon delivery, it was discovered that the salesperson at the store had incorrectly allowed for the size of the bed frame built in to my bedroom. While the installers were still on the premises both the installers and I placed calls with regard to this situation. The installers were instructed by their company to return all items and cancel the transaction. XXXX XXXX advised me that the transaction was being cancelled and reversed. All accessories purchased separately by me were returned to the store and I was advised that ALL charges would be reversed. I eventually received a refund for those accessories. Since then, XXXX XXXX has attempted to re-charge me for the returned accessories or other items. I have communicate with multiple debt collection services over the years and with XXXX XXXX. XXXX XXXX continues to report this as a debt and has damaged my credit standing significantly for several years. This ongoing attempt to collect a non-existent and false debt has amounted to harassment. At this point, I intend to file an action against both XXXX XXXX, XXXX XXXX and any debt collection agency in accordance with the provisions of the FDCPA, FCRA and state laws governing attempts to collect a debt not owing and damage to my credit standing.

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 2020-10-14
Company: Experian Information Solutions Inc.
State: LA
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 sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.

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 2018-06-21
Company: Earnest Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied for a student loan refinancing, provided direct access to my bank account, provided a personal bank statement, business bank statement, personal tax forms, business tax forms, and other personal info. I called during my application process to make sure that my individual situation would be okay in being approved for the loan. I got denied for a reason that does not even apply to me " income variability ''. They falsely denied me, did a hard credit inquiry, which they won't even reverse, and lied about the application and approval process. I received terrible customer support after trying to figure out what was going on because they did not even contact me with an email or phone call to go over my documents. I believe this is a scam company that is harvesting very private information with employees who are untruthful, scammy, and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I received a phone call and a voicemail was left, saying I owed a debt from U.S. BANK in the amount of {$1800.00} ACCT # XXXX his name was XXXX XXXX, I called him back and told him I never had any debt with U.S. BANK and requested they send something in writing, he instead asked for my email address and sent me a DocuSign document wanting me to fill out and acknowledge the debt. They told me if I didn't do this, they would contact my employer to garnish wages I guess? He's saying the amount owed was from XX/XX/XXXX. I called U.S. BANK to even double check and they even said they had nothing on file with my name on it. He had me listed living in XXXX, XXXX at that time and I am pretty sure I was living in XXXX. I believe this to be a scam and want to report this. The name of the company is XXXX XXXX XXXX they first called me from this number ( XXXX ) XXXX ( XXXX ) then they called again today XX/XX/XXXX from this number ( XXXX ) XXXX ( XXXX  ) both times reciting I call back this XXXX number ( XXXX ) XXXX. I did provide him with my email address so I could respond to the email to have a paper trail and told them that if they want me to pay anything, they need to send me something certified mail with my debt protection rights and the actual information about the debt. I hope this helps. 

Sincerely, 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 2020-10-14
Company: EQUIFAX, INC.
State: LA
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 sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: GFS II, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
BMO Harris P.O. box XXXX XXXX XXXX IL. 
XXXX We have a car loan through BMO Harris. 
They refuse to provide any paperwork or provide Internet information on the loan. 
We wanted some sort of overall proof of payments made and charges over the course of entire loan. 
They refuse to provide any information to us. 
There is most definitely some fraudulent activity going on here.

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 2021-07-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I was a victim of fraud by a merchant who defrauded me with false pretense. this merchant went by 2 names, one being XXXX, and the other XXXX. After dragging and dragging, the merchant agreed to Im owed a credit and promised to refund 90 %. I agreed to 90 % to settle the matter after the merchant claimed he had some expenses and there he claimed I agreed to a 10 % non-refundable fee. In any event, in order to avoid further dispute, I agreed to settle for 90 %. The merchant provided confirmation in writing. I reported this issue to American Express but they denied credit reversal without merit. This is unacceptable. If American express understands the merchant was fraud, thats exactly my problem. Why reward the fraud merchant and leave me hanging without recourse? I demand American express to collect these refunds owed and to refund my account without any further delay. Please also review the letter from my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX I did not like there service..I live in the XXXX of Colorado often lost service and could not get the kind of programming I wanted without a heavy increase of fees. Also the rate kept changing and increasing on a monthly basis. So I cancelled they refuse my cancellation for a period of 60 days and charged me extra fees of service after I requested cancellation. I also returned there equipment and suffered a 6 month denial that I returned the equipment and they showed inaccurate account amount on my credit profile for at least a year. AFNI is there collection service currently reporting for XXXX XXXX. They started with an account for almost a year at {$800.00} then eventually after disputing this several times lowered it to {$300.00}. So nothing is accurate and nothing is consistent for they state the account was opened in XX/XX/XXXX but the account was open in XX/XX/XXXX. They have moved the open date a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has continue to report negative items on my credit report that do not belong to me. They have sent me paperwork indicating that they are no longer on my report, but still have them there which is against the law. The following accounts need to be removed form my Experian report as they are not mine : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. # XXXX 3.  XXXX # XXXX 4. XXXX. XXXX XXXX # XXXX 5. XXXX. of XXXX # XXXX 6. XXXXXXXX XXXX   XXXX # XXXX 7. 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 2019-05-23
Company: Experian Information Solutions Inc.
State: MA
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:
This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.

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 2018-09-01
Company: Experian Information Solutions 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:
Addresses. : XX/XX/XXXX XXXX sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes XXXX 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a XXXX, Experian, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. : Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by XXXX as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX 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 2018-09-01
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from XXXX, equifax, or XXXX. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from XXXX, XXXX, or transunion. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.

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 2018-06-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Actually both XXXX and XXXX has removed them from their database due to several inaccuracies with this account, and yet I'm still waiting for XXXX to remove it. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2017-08-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
For 2 years now,   XXXX   XXXX   have bought my former mortgage without me knowing for a six month period. No documents were sent, no phone calls were made.   XXXX   XXXX   is now being followed up by a lawyer. They did start correcting information on Equifax, but refuse to update information on   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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:
XXXX/XXXX, ACCOUNT NO.XXXX IS REPORTING ON MY EQUIFAX CREDIT FILE.I HAVE NEVER ORDERED XXXX , NEVER RECEIVED THE CARD, NEVER USED THE CARD, AND NEVER RECEIVED ANY MERCHANDISE.THE OPENING OF THIS CARD IN MY NAME IS ENTIRELY FRAUDULENT.IT IS IMPOSSIBLE TO DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.PLEASE FINE THE BUREAU IF THEY DO NOT REMOVE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a used vehicle from XXXX XXXX XXXX in XXXX, IL on XX/XX/2017. I gave the salesman permission to run my credit for approval with ONE lender, and stressed that I did not want my credit run multiple times, that if the first lender was not approved I would get financing on my own. 

As I had come to find out over the next several weeks, my request was ignored. I started receiving credit denial letters in the mail, from banks I had never applied for credit with. I received a total of 12 letters of credit denial in 2017. One has since fallen off my credit report, however the following 11 hard inquiries still remain ... all from the same date of XX/XX/2017 : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over the next several months, I tried to fight the unauthorized inquiries through Trans Union and XXXX. I was told the only way to get them removed was by having the auto dealer who submitted them call each creditor. 

I left several messages for the salesperson, finance manager, and any manager to help address this issue. I was ignored, calls never once returned. 

I just found out about CFPB, otherwise I would have done this much sooner. Please help ... XXXX XXXX in XXXX has set a new low in dishonest sales practices, which has cost me additional money over the years due to 12 hard inquiries against my credit in just one day, which caused my score to drop significantly!

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