BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-27
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I feel I was a victim of illegal practices by XXXX XXXX XXXX during the time of XX/XX/XXXX to XX/XX/XXXX. As I understand it this case has since closed and I am upset because I am just getting the claim

paperwork. I want to know if there are any unclaimed monies that I might be eligible for since I feel was a victim of this illegal practice. I was in loss mitigation over a year and never got any assistance, meanwhile my mortgage continued to escalate and add up. I realize you need particular I formation regarding fees and fines & overages I may have been charged and will do my best to provide this documentation. I just want to know if I can still file a claim and if I was due a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: SC
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 submitted documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
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:
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, EQUIFAX MORTGAGE SVCS add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company had me do a wire transfer on friday XX/XX/21 for a refi closing that was to take place at XXXX today XX/XX/21. The money has been transferred to them and they never sent the paperwork to the title company. The title company has tried to reach them for 4 days and has received no answer or return call ... .I have been calling them all day and getting no answer or return call. PLEASE HELP!!! Mr Cooper or Nationstar is the company that has stolen my money and now refuses to do what they said they would do. XXXX XXXX OR XXXX XXXX - neither will do what they stated they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with XXXX XXXX XXXX. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. My name is XXXX XXXX, and my Social Security Number is XXXX The following items on my credit report are incorrect and need to be corrected immediately : XXXX XXXX XXXXXXXX Late Payment Account XXXX UNIV XXXX Charge Off Account US DEPT ED XXXX Charge Off Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX  MO XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am requesting that these items be investigated and removed from my credit report. I have attached a copy of my credit report with the disputed items highlighted for your convenience. 

According to the Fair Credit Reporting Act, you have 30 days from the receipt of this letter to investigate and correct any inaccuracies on my credit report. Failure to do so may result in legal action being taken against you. 

I am taking this matter seriously, and I expect you to do the same. Please contact me at XXXX to let me know the status of this dispute. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2019-03-31
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I feel like I am missing a lot of payments on my account. Particularly for XX/XX/XXXX and XX/XX/XXXX. I have been on the IBR repayment plan I believe since XX/XX/XXXX and because of low income during residency/family size my payments were $ XXXXmonth. I feel like my payments should be a lot closer to 70 payments and instead only showing approximately 20 payments. I know Navient is involved in multiple lawsuits alleging misallocation of payments and I feel like my account is on par with the same alleged complaints. I have also been put in forbearance in the history I have been with them due to them saying they never received paperwork for spouses history when I in fact did send it. Can someone address this please?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$12000.00} from a man/company that promised me {$50000.00} after an initial {$3000.00} fee that I needed to pay. I was told it was a US Customs fee. I was informed by them that because I took long, that fee was up to {$12000.00}. I wired the money through Chase Bank to a Chase Bank account. I wired money in increments and wired the last {$5000.00} on XX/XX/21. I realized it was a scam today ( XX/XX/21 ) and contacted the bank immediately to report the scam. They informed me that they were not able to return me the money because it was removed from the account. They did not assist me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Transunion credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/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 2020-10-23
Company: CITIBANK, N.A.
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:
When I checked this account, I saw immediately that the payment history is inaccurate. XXXX  reports all OK payments yet XXXX  reports all CO. I want this account to be investigated and removed due to inaccuracies. Please help me get them out of my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: MD
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 account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately 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 non-monetary relief
Consumer complaint received 2017-12-11
Company: Young America Holdings, LLC
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A {$150.00} prepaid XXXX was issued from XXXX XXXX for signing on as a new customer in about XXXX XXXX. The card indicates it was issued from XXXX. 

The card was not used and shows an expiration date of XXXX. When the card was attempted to be used in early XXXX XXXX, it was denied as expired. 

I called the phone number on the card XXXX. They said that they no longer handle this card and referred me to XXXX XXXX. XXXX XXXX told me that it was true that they no longer work with XXXX, but that that there was nothing they could do, and that I had to work with XXXX. 

I found an e-mail address for XXXX - XXXXXXXXXXXX who I e-mailed the situation. They replied with a different phone number to call XXXX. I called that number, and based on the card number was referred back to the original number on the card referring to them as " Young America ''. The contact at XXXX said that it is called a sweep card and that at expiration all of the funds are removed from the card. I could not get an explanation of where the funds go. 

In another conversation with the original number listed on the card, I was again told that they " no longer work with XXXX XXXX, and that they transferred all of the information back to them '' Bottom line is that someone has the {$150.00} and it is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX # XXXX, XXXX # XXXX, XXXX  XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I Have The Write 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.

15 U.S.C 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27
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 is erroneously reporting on all 3 of my credit reports and this account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good day, My problem is with COINBASE. I will provide evidence of purchase and communication which has not been responded to so I have no other mean of reporting the problem but to you. 

Some time ago I purchased few LiteCoins ( LTC ) with coinbase. Just recently I decided to cash out my LTC and what happened is that the money were not credited to my account. 
I attempted to contact COINBASE by PHONE and EMAIL ( SUPPORT ). I received 0 responses to my needs and I really would like to see if you can help me out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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: Investigation took more than 30 days

Complaint:
This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX, XXXX {$0.00} Account # XXXX XXXX XXXX XXXX {$0.00} Account # XXXX XXXX XXXX XXXX {$0.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Account # xxxx XXXXXXXX XXXX {$0.00} Account # XXXX 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 an 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 2017-12-11
Company: Fidelity National Financial, Inc
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, 1999. It has been brought to our attention that we were given false Title Insurance Papers fromFidelity National Title Insurance . They did not do a title search on property .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This account is being ran as a charge off. I have never received the 1099 cancelation of debt form and because of this the account isnt accurate and must be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Public record information inaccurate

Complaint:
Hi I never filed for bankruptcy, I dont have children, and I am currently in the process of a legal divorce and have been separated from my spouse for over a year now. Also, I was affected by the XXXX and a month prior to the pandemic starting, I was hospitalized and could not XXXX for 3 months after. Not only that, I am a full time student at XXXX XXXX XXXX and was affected financially during my hospitalization and all throughout the pandemic. I never received unemployment either. Lastly, I never got approved to buy a home, and again, I do not have children or ever file for bankruptcy. Thanks. 

Best Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Ray Klein, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency ... PROFESSIONAL CREDIT SERVICE
Original Creditor Name ...XXXX XXXX
Date Assigned ...XX/XX/2018
Original Amount Owed ...$XXXX

Received a SIM card which did not work for internet access. So I canceled the service. Once cancelled, I was charge $XXXX  for a service that did not ever work..

Company response to consumer: Closed with explanation