BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Dovenmuehle Mortgage, Inc.
State: MS
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:
My mortgage with XXXX Bank was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( XXXX bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from Studentiad.gov. I was trying to secure a loan for my XXXX  college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over 80 plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX personal credit cards with Capital One back in XXXX. In XXXX of XXXX, I applied for a Business credit card for my business. Less then a month later, Capital One placed A fraud restriction on all four of my credit cards. I called and they advise I needed to send in proof that I have a legitimate business. I sent in my states sellers permit, my taxes, bank statement, & LLC at least twice a month since XXXX of XXXX ( and still sending currently ) proving I have a legitimate business. I faxed them all the documents they asked for including uploading them from a link they sent me. They advised it takes 7-10 business days to receive and review the information and my case manager will give me a call. Ive been calling THEM twice a month since XXXX of XXXX and every representative I speak with say, XXXX going to email your case manager and make sure they call you. Ive never received a phone call, email, letter, nothing since XXXX of XXXX. XXXX of XXXX, I checked my credit report and saw Capital One closed all XXXX of my personal credit cards which had nothing to do with the business credit card. I spoke with a manger on XX/XX/XXXX. He advised well the case manger who has your account no longer her works for the company. Ive been trying to get this resolved for a whole year and my accounts have been closed out due to there mistake. This is still an ongoing situation a whole year later and nothing is still being resolved. My payments have been on time every month, they keep saying we will send a document link every few months even tho they are confirming they are receiving my faxes but nothing is getting processed. XXXX still paying on all four credit cards that I can not use and this matter is still revolving a year later with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NC
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 has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as XXXX days to furnish this report and if not reported within XXXX days this inaccurate information be removed from my credit profile.

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 2021-02-07
Company: Experian Information Solutions 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:
Expierian has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...

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 2021-06-24
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:
15 USC 1681c-2 states that you must Block and Removal of the information on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX Sr. Loan Consultant XXXX ID XXXX State Lic. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Direct XXXX Fax XXXX XXXX XXXX ( Caliber Home Loans ) sold properties in a collaboration with XXXX XXXX XXXX and XXXX XXXX ( affordable housing with deed restrictions ). XXXX and Caliber Home Loans knew these homes were defective and quickly became uninhabitable shortly after closing ; yet, he continued to close on these homes and write mortgages on these properties where the consumer was being defrauded. XXXX was working in the builders best interest to the detriment of the consumer - mostly low income consumers who bought these lemon properties as their first home, then they were forced to walk away in far worse financial shape than before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a condo in XXXX for {$50000.00} with Wells Fargo as the lender with an XXXX APR. In XXXX, I did a [ mortgage ] re-modification loan under Wells Fargo XXXXs program to avoid foreclosure. I was told not to pay any payments until the modification went through. This process took relatively XXXX months with me sending paperwork back and forth. After the process, I noticed my payments went down roughly {$75.00} put my XXXX stayed the same which is what was odd at the time. My principal balance in the last quarter of XXXX showed a balance of {$45000.00}. However, when I filed in XXXX my balance was {$50000.00}. In XXXX Wells Fargo sold my mortgage to another lender XXXX XXXX XXXX which I was told that they had a right to and do it from time to time. Today I noticed that my principal is XXXX with XXXX. I recall Wells Fargo class action lawsuit where I received a small card and sent it back but never heard anything from it. I also recall a few banks such as Wells Fargo XXXX XXXX XXXX XXXX being sued regarding modification loans. I've been at my place for over 20 years and just paid {$3000.00} on my principal? I would like help regarding an investigation into this practice. As a minority, I should have at least {$10000.00} toward my principal. I feel that Wells Fargo has taken advantage of this situation and myself. After the class action lawsuits, it seems they sold my mortgage to perhaps cover this up. any help or leads regarding the next step will be appreciated.

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 2021-02-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2020 I purchased two chairs online from Rooms to Go. I paid with my Synchrony Bank Rooms to Go credit card. The chairs were delivered to my home several weeks later. Upon examination I found a small tear in the skirt of each chair. The cushions of both chairs appeared to have been used because they were dirty. I called and complained to Rooms to Go and I was told someone would come to my home and repair and clean the chairs. No one ever called or came to my home to repair and clean the chairs. I called again to Rooms to Go and told them that I wanted the chairs out of my house. I was given a pickup date, I moved the chairs outside and the chairs were removed back to Rooms to Go. I filed a dispute with Synchrony Bank, 60 days came and went and the charge was put back on my account. I never received a letter as to why this charge was put back onto my account. Now I am expected to pay {$1300.00} for 2 chairs that have been returned.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting 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 any item 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 is the list of items that do not belong to me or were opened without my permission. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-03-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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:
My wife and I contacted Fifth Third on XX/XX/XXXX to request a loan modification for two loans which were maturing due to a balloon payment. 
a. Primary mortgage of {$800000.00}, due XX/XX/XXXX b. Line of credit of {$110000.00}, due XX/XX/XXXX We were instructed on XX/XX/XXXX ( see attached copy of letter from Fifth Third Bank ) to begin paying {$5000.00} for the primary mortgage for three months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as a trial opportunity to theoretically see if we could manage a loan modification. 

We were not clear on whether this modification included the line of credit and we called several times to receive further clarification. In the interim, we continued making our regular mortgage payment in the amount of {$5200.00} and line of credit payment in the amount of {$600.00}. On XX/XX/XXXX ( copy attached ), we received a letter from Fifth Third stating our trial plan payments were received and recorded as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. WE WERE NOT NOTIFIED THERE WAS A LATE PAYMENT NOR WAS THE PAYMENT REJECTED. 

The Mortgage Loan History Statement from Fifth Third reflects that we continued paying in excess of the full amount of the primary mortgage in the amount of {$5200.00} on XX/XX/XXXX and XX/XX/XXXX. We did not reduce our payment to the lower trial loan modification amount of {$5000.00} until the payment made on XX/XX/XXXX. 

Fifth Third bank recorded the XX/XX/XXXX payment as late because it was not the usual amount of {$5200.00}. The modification side of the bank instructed us to pay a modified trial amount of {$5000.00} which we did. We should not be penalized because the two different departments of the same bank are not reconciled. 

The loan modification documents, for the primary mortgage, were completed and executed on XX/XX/XXXX, prior to the due date of the primary mortgage balloon payment.

We paid off, in its entirety, the Line of Credit in the amount of {$110000.00} on XX/XX/XXXX, before the due date. 

We have ed in this home for fifteen years and have NEVER paid our mortgage late and at no time, during the process of the loan modification approval process, were we made aware that there was a late payment on our account. 

THIS INFORMATION IS INCORRECT AND HAS SEVERELY DAMAGED OUR ABILITY TO RE-FINANCE THIS MORTGAGE AND TAKE ADVANTAGE OF REDUCED INTEREST RATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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 pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Balance : {$320.00} ; XXXX XXXX XXXX : {$510.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2018-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We thought that we could get a lower rate from 4.95 %, principal balance forgiveness or some sort of assistance, we were asked to put in for a loan modification to get help. What we got was an interest rate of 4.95 % which is what it supposed to be anyways plus a final balloon payment ( over 139,000 ) -a rip off. You advertised on your website that you are committed to helping home owners with home retention, so how have you helped us? You asked to a bunch of documents, we sent them in for assistance, what we got is a total rip off. Attached are supporting documents for the interest rate of 4.95 % which is where were at prior to the first mod.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}

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 2023-01-05
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:
Im resubmitting 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 any item 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 is the list of items that do not belong to me or were opened without my permission. 

XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: OH
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 Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ... $ XXXX XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

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

Company response to consumer: Closed with explanation