BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a second complaint I am filing about Dovenmuehle Mortgage Company. Previous complaints # XXXX. 
Instead of clearing the problem they created they have now sold my mortgage to another company. The XXXX XXXX  XXXX is issuing an refund to Dovenmuehle for taxes that they paid after I already did. 
I am still paying Dovenmuehle & now the new mortgage company XXXX XXXX over $ 3200 monthly till the payment is received from the XXXX XXXX XXXXXXXX to Dovenmuehle. Who will send to new mortgage company. It now becomes the new mortgage companys problem according to my last communications with Dovenmeuhle. I received mortgage transfer notice on XX/XX/XXXX which states XX/XX/XXXX is the transfer to XXXX XXXX. 
I have asked multiple times to remove escrow account which the mortgage never had. This is causing my monthly payment to over {$2200.00} extra these last 3 months. I then have to get my refund from the new company I was told today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019, my daughter was transported by XXXX ambulance service from XXXX XXXX XXXX XXXX XXXX to another. Both facilities are in network, yet XXXX is not in network and charges more than double the allowable amount. XXXX XXXX processed the claim as in network and they were paid for 2 trips instead of one. 

XXXX erroneously charged ( 2 ) trips because their driver first drove my daughter to the wrong location. They acknowledged over the phone that this was an error and promised to adjust. They have now been paid double by BCBS and continue to bill me. The debt collector said that it doesnt matter that there is an erroneous charge and that it is under review because the debt has been sold to a collector. 

I told the aggressive collection agency that the case was under review and to stop calling. Despite several requests I still have not received a copy of the trip journal, documentation of the ( 2 ) trips or charges, or a copy of the release for my signature to receive such trip documentation. 

In the meantime, Professional Bureau Collections of Maryland XXXX ( XXXX XXXX ), collections has aggressively called and left messages despite being informed that the case is still under review. I just received a message that they have now contacted my employer. This is inappropriate and must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: VA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

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 2023-01-10
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told my debt was settled for the amount I paid but its still Showing on my credit report and open date has changed and amount has changed that was not the agreement I had with them and they lied to me and not answering my calls or talking to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: VA
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 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 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 explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, The Real XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some big scamming people on the dark web. I included my FTC report # XXXX. this agency has violated numerous FCRA laws, which is not fair because the FCRA says credit reporting agencies play a VITAL part in peoples lives. The are reporting a bankruptcy on my credit report which is clearly an infringement of my privacy. I DO NOT WANT that information shared and you still shared it anyway. Under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this bankruptcy shouldn't be on my credit report, but yet you showed it to the public. My bankruptcy is not public record. in am totally annoyed with this dispute process. I want all these unauthorized unverifiable accounts removed from my credit report asap. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission and anybody else who I need to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I have been working with XXXX XXXX, a mortgage broker, in XXXX XXXXXXXX. They found a mortgage lender for us, Stearns Lending, at a 2.5 % fixed rate for a 30 year mortgage and we were subsequently approved for the mortgage. 

XXXX XXXX ordered the appraisal on XX/XX/2021. Stearns Lending then ordered an exterior only appraisal, despite the fact that an exterior only appraisal was NOT approved through the Automated Underwriting System ( AUS ). Our understanding is that the lender plugs into the AUS and delivers the conditions based on what XXXX XXXX grants. As a result of the actions of Stearns Lending, we lost 24 days in a bogus appraisal process and the mortgage broker didn't get the exterior appraisal until 42 days after it was ordered. We lost our 2.5 % rate lock because we lost the entire month of XXXX awaiting the exterior appraisal that Stearns Lending had inexplicably ordered, which ultimately ran out the clock on our rate lock. 

The mortgage broker outlined the chain of events to the Stearns Lending account representative, who acknowledged the error, but refuses to honor our original rate. We subsequently contacted the Executive Vice President of the Wholesale Lending Division of Stearns Lending, who also refused to honor the original rate and suggested that our broker contact the account representative, which he had already done, to no avail. 

This has caused us irreparable long term financial harm since rates have now gone above 3 % and are unlikely to fall to the level that we locked in. So we are currently stuck continuing to pay hundreds more per month on our current mortgage and the lender is unwilling to honor the original rate lock of 2.5 % despite their gross negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX. Please correct and update this account in my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: MO
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:
Dear CFPB, I am writing you today because while reviewing my Experian credit report ( Report # XXXX ), I noticed several unauthorized inquiries being listed by Experian XXXX. XXXX XXXX XXXX, TX XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : 1 ) XXXX XXXX ON XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX 3 ) XXXX XXXX  XXXX ON XX/XX/XXXX 4 ) XXXX XXXX XXXX ON XX/XX/XXXX I have attempted to resolve this issue with Experian, all to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : [ Late Payments ] 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 60 days late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I believed that the account was in auto pay that was coming out of my account automatically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted I have submitted disputes about incorrect and old addresses, several spellings of my name. I have submitted correct spelling of my name with proof of identity of my name with a current address. I have asked to remove all hard inquiries and student loans and yet none of that has been done.

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 2023-03-29
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX  XXXX via XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of XXXX XXXX on my credit report with Equifax on XX/XX/19. Company received my disputes onXX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Bread Financial Holdings, Inc.
State: TX
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:
Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one. 

However Comenity continues to show this account as open when in fact it is closed. 

COMENITY BANK/XXXX  Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED FCRA rules are not being followed If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX XXXX then perhaps legal action should take place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: TN
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 sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from Equifax and nothing from XXXX  or XXXX about these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent at least XXXX or more certified letters to Experian begging them to correct my personal identifying information which includes multiple fictional addresses, alias names and cell numbers I can not access. I also provided police reports and restraining orders to show I have a stalker who is doing this and this information is still incorrect and the stalker is being catered to

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 2021-03-15
Company: GUARANTEED RATE INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have worked very hard to improve my credit and had submitted all required documents for an application for a refinance. Having had no communication with the loan officer or the company, I emailed to inquire of the status and was given a curt reply that informed the loan officer is no longer there. I was not given the status of my loan and no other option for contact. As a business professional, I understand turnover and contacts, but as I had still filed all the necessary for a loan through the company, am I not required to receive a decision one way or the other? As an individual who works very hard and always extends common respect and courtesy to others, I am extremely disappointed and discouraged. It conveys clearly that my loan is no longer a matter of concern, and I am understanding of this, but I would like to have been treated professionally and at least given an option as to who I could possibly talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: EQUIFAX, 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 disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.

Company response to consumer: Closed with explanation