BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
Company: Residential Mortgage Services Holdings, Inc.
State: NH
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:
Despite me having made all mortgage payments on time and as agreed, Residential Mortgage Services has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact RMS 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. RMS failed to properly allocate these timely made payments that I sent to them and in fact RMS sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. RMS failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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: Investigation took more than 30 days

Complaint:
I'm just wondering what's happening with accounts I disputed on the XXXX of XXXX. I still have not received any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where I'm at, but I figured 40 days should be enough. I also read that if I dispute again while my first dispute is active it will just extend the investigation time. Its day 40 so I figured I might as well file this complaint now instead of sending another dispute which will delay my investigations more.

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 2020-07-09
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dealing with Dovenmuehle has been totally frustrating and I look forward to not having to deal with them in the near future. Their customer support is awful, to the point that they have given me wrong information on a couple of occasions, which is unacceptable! I have called them on several occasions, only to be put on extraordinary hold times or being abruptly disconnected. 
As you know, I was hospitalized in XXXX and XXXX with a XXXX XXXX which, fortunately, has now gone away. However, there was a glitch in XXXX, where XXXX posted my monthly payment late and they have no explanation. See below As you can see, my XXXX payment was not made until XX/XX/19 for reasons unbeknownst to me and my payment was marked late. Since the Internet at the hospital was very spotty, I was unaware of this and Dovenmuehle only communicates via snail mail. They did not re-submit the payment until well into XXXX, they never called me, and I am at a loss to explain why, causing me to be 30 days late unnecessarily. Needless to say, I am at a loss to explain why this happened and Dovenmuehle says that it is XXXX fault. Note that I never had any late payments before last XXXX ( see below ) and they could have been more accommodating, to say the least. 

Then in XXXX, I again faced another calamity, this time by one of their own customer support representatives. They proceeded to tell me that I had made a duplicate payment in early XXXX and would re-post one of the payments for XX/XX/XXXX, saying that I did not have to make an XXXX payment at all. 

I heeded their instructions. When I say a late charge for the XXXX payment in XXXX and not seeing the XX/XX/XXXX payment posted, I called Dovenmuehle again, only to be told that the XXXX agent made a mistake, that it would be corrected and that I would get a confirmation e-mail, which I never got. I did get the XXXX late fee credited, but I am at a loss to explain why I still have a negative on my credit report, even though I was told that it would be removed shortly. Needless to say, that never happened. 

When I called a couple of weeks ago about this, I was again told that I had a duplicate payment in XXXX by this new agent, so right now I am at a loss to understand if I do or dont have a duplicate payment for XXXX, so I will leave it up to you to resolve this, as I am at my wits end here. I am tired of dealing with long hold times and inept agents, so I am counting on you to look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Inaccurate reporting on my account. I opened the account in XXXX over 16 years ago. I transferred the mortgage to a different lender years ago and its still saying payment status as " current ''. The new mortgage company that I transferred too I paid the house completely off XXXXFCRA allows 30 days for this to be rectified. I want this completely removed from a 3 credit Bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i have repeatly called and sent dispute letters to all 3 credit bureaus, XXXX XXXX, XXXX, about my compromised credit file. The credit file that suppose to be in my name is in someone else 's name. My name is XXXX XXXX XXXX. XXXX XXXX XXXX is the name that was on my credit file. As you will see on my documents the bureaus have me down as better know as XXXX XXXX XXXX. I have never in my life went by that name. And in other documents including my Lic. You will see the correct spelling of my name. As this matter has been damaging my credit as well my character. i would like to have the these items fully removed from all 3 credit bureaus 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 non-monetary relief
Consumer complaint received 2020-09-21
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 a mobile check was deposited into my account from XXXX XXXX account from XXXX for XXXX. This was at pnc bank in XXXX Delaware. It was deemed a fraudulent check after five days but pnc released the money before the check cleared and the  money was taken. They have held me liable for this and have taken my paychecks for the past month. In turn I may lose my home and car now due to this, I have called now three times to speak with a branch manager and no one has contacted me. I really need help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collection company just recently inserted a debt for {$290.00} for creditor XXXX under account number XXXX. I have cut and pasted my original dispute with this creditor from 10 months ago. I have no knowledge of debt/fraud. The original creditor should have notated this in the records or the collection agency by accident listed this account on my reports. 


XXXX XXXX, XXXX Completed XXXX Reported on XXXX XXXX, XXXX {$290.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Radius Global Solutions LLC
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: Account information incorrect

Complaint:
Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on XXXX consumer credit reports. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

I have a medical collection debt with an initial reported balance of less than {$500.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and RADIUS GLOBAL SOLUTIONS account number XXXX. I need to have this debt deleted from my credit 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 2018-08-12
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: Account information incorrect

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX Equifax Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year around XX/XX/XXXX I disputed a credit collection for a {$2400.00} debt that did not belong to me. The credit companies ended up removing that account. Now one year later around XX/XX/XXXX - XX/XX/XXXX this new company reported it back on my credit which I disputed and made a complaint through the XXXX in which I asked the company for proof it belonged to me since my info was stolen back in XX/XX/XXXX and and so many people can get your SSN and date of birth now days. The company need up removing it from my credit but as once again reported it again! They have damaged my credit points by adding and removing it so many times now. It's crazy how easy it is to add to someone's credit report. Not to mention whoever used my info for this hospital this company has broken the HIPPA by send certain info to me. 
I have posted the lettersame from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: TX
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:
I have disputed this collection account, and they agreed to cease collection efforts and report to the three collection agencies. However, this collection is still on my credit report, and it needs to be removed. The account is XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct No. XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a short sale, the short sale option was approved. I listed my property with a local agent. When an offer to purchase was received the real estate broker was advised to submit a Hud-1 closing statement. He submitted said statement 4 to 5 times. Each time he was told the numbers didn't add up. When I phoned my lender for updates I was advised the same. I then paid a title company {$150.00} to prepare this Hud-1 closing statement. When the lender received the Hud-1 statement from the title company, they withdraw the offer to purchase siting I had changed the buyer. I explained to the lender the buyer has not changed. The buyer 's grandfather is gifting him the funds to close as part of the buyers inheritance. The mortgage company then sent me written notice. Your request for short sale has been withdrawn because you changed buyers. The real estate broker along with myself have phoned, written, appealed their decision all while explaining the buyer has not changed. The buyer is still the same. We added the grandfathers name to the Hud-1 because the proof of funds from the bank ( which the lender has a copy of ) is in his ( the grandfather 's ) name. The buyer is the same and as of today he is still interested in purchasing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: PA
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 XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A

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 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have just recent applied for credit and was told I had a negative collection on my credit report, since I just turn XXXX in XX/XX/2018 I have had not credit or collection prior to this, so I am disputing this collection account, I will be requesting that the collection agency supply to me a signed contract by my to pay any bill, I will also fall back on FCRA that clearly state that a minor cant be held liable for any debt, even after turning XXXX, I wont state the statue cause collection company should know these laws, so if you don't have a contract signed by me after XX/XX/2018 then there is no debt, I will proceed to file in court and sue for hurting my credit before im even legal to establish it,

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 2023-01-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

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 2018-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Don't do as XXXX XXXX XXXX, rushing to sue without trying to settle the debt via out-of-court communication. I need more time and making progress to solve my financial problems. 

It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Horrific experience with Mortgage Loan process with US Bank!!! 

On XX/XX/XXXX, I've processed my refinance loan application with US bank and I was promised 45-60 day closing and a particular interest rate. I've submitted all the pertaining documents no later than a day and I've done this several times through out the process. Today is day 92 and I was just informed that my loan would take another 10-15 days to close. US bank has also pressurized me to open a checking account with in a day as they were going to close my loan shortly. It has been more than 30 days since that has happened and after repeated requests by me, US Bank till date has not responded. 
This is the most horrific experience I ever had, the practices employed by US Bank is no less than predatory lending. False advertisement and terrible lending practices. 

I would like CFPB to investigate this and save customers from this distress during these already stressful times.

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 2023-01-27
Company: Experian Information Solutions 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:
I disputed this back in XXXX and haven't heard back from XXXX until yesterday, I also disputed with Experian. XXXX continues to mail XXXX XXXX XXXX, And my name is XXXX XXXX no middle initial. I was told to be exact on your name. And my name is XXXX XXXX15.US Code 1681 E ( b ). 15.US Code 1681 ( 5 ) ( a ) Accuracy. 15. US Code 1681i ( 5 ) ( B ), Reinsertion of deleted items.

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