BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC 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 2015-05-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously represented XXXX XXXX, whose address is XXXX XXXX XXXX XXXX, XXXX OH XXXX, in a foreclosure case in the XXXX County, Ohio Court of Common Pleas. The case was styled J.P. Morgan Chase Bank , N.A . v. XXXX XXXX, et al., No. XXXX. The case was closed in 2014 after the client obtained a permanent loan modification from Chase. While the case was pending Chase continued to deliver mortgage loan related documents to XXXX XXXX c/o the building for my law office without specifying any suite number which resulted in non-delivery of some critical documents including the loan modification agreement which was returned to Chase by FedEx. ( Exhibit XXXX ). I requested through counsel for Chase that mailings be directed to XXXX XXXX ' residence but when the problem continued I requested an order from the trial court to force Chase to send mortgage statements and other such documents to XXXX XXXX ' residence. ( Exhibit XXXX ). Today I received a notice from Chase that I have been enrolled in automatic mortgage payments. ( Exhibit XXXX ). I have no account of any kind with Chase. I searched case files for clients who had mortgage loans with Chase and discovered that the XXXX digits in the notice that I received today match the last XXXX digits of XXXX XXXX ' mortgage loan account with Chase. I have taken the liberty of sending her the notice. I am filing this complaint because its deliberate and improper practice of delivering loan documents to this office intended for XXXX XXXX not only breaches its contractual obligations to XXXX XXXX but is illegal under federal law. Chase knows where XXXX XXXX lives. If it is incapable of properly handling her mortgage account then perhaps it should dismantle its mortgage servicing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
My wife and I opened a Chase Freedom account. When we made our first payment we had a typo in the account/routing number. After we corrected the info, every time we make a payment the payment is put on hold. We never make late payments and all of our payments are way above minimum $ XXXX- {$500.00} every time ) They have no problem taking our money but when we need the funds we just paid them ... now we have to wait for the to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX, XXXX and TransUnion 15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX, XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, XXXX and TransUnion and I didnt give them permission to do so.

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 2022-11-11
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2020 Loan Type XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Past Due {$520.00} Pay Status >Collection in accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-07-29
Company: Razor Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter stating I owe consumers almost XXXX for a light bill I never got or received in my name. It was over 10 years ago and at that time I was a child and really need to resolve this issue so I can prepare for my new living situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac has consistently mishandled my mortgage servicing since assigned to them by XXXX XXXX XXXX. The closing documents show a monthly payment of XXXX. In XXXX they sent me several notices requesting a payment of XXXX by XXXX XXXX for my first payment. XXXX calls were made to them to correct it and each time they said it was their mistake, stated it was corrected and they would send me a new statement. Each time the new statement showed the incorrect amount. Mind you this is my first payment after closing. Finally that issue was corrected, and I mad a payment that was posted to them from XXXX on XXXX XXXX 2016. Today XXXX XXXX I get a statement in the mail stating that they never received my payment even though I called and verified with them that they had. So they are threatening my credit with their incompetence and I guess I will have to hire a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to case XXXX equifax states that they have to look into this but by fcra law when they are in receipt of the request of identity theft they are supposed to block and delete within 4 days. This is not an error on my end, there is no material misrepresentation and so on. Do equifax want to be held liable by not following law. Equifax policy does not override whats federal law. They must do what is fair and equitable for the consumer and the banking system is depending on them to be accurate and efficient. Block and delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt collector participated in abusive and unfair practices of the FDCPA. They listed this account ( Fair Collections & Out ) that we did not agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in this transaction. This is unfair because they did not follow the 5 step validation procedure. According to the FDCPA, I am entitled to compensation of {$1000.00} per violation. This is evidently a violation of my rights. I demand this company to delete this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ) and compensate me for the violations for the account listed below. If the company does not comply I will have no choice but to forward this to my litigation attorney. Fair Collections & Out- XXXX ... {$5500.00} Thank you for your time.

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 2021-07-27
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I booked a room on XX/XX/XXXX with my webster checking debit card. On that same day I canceled and it was explained to me by the vendor that I would not incur any fees for canceling since it was same day. I did incur a {$12.00} cancelation fee which I disputed with Webster Bank. I was instructed on XX/XX/XXXX by XXXX at Webster customer service to send an email to XXXX requesting to dispute this charge as I did not consent to it. On XX/XX/XXXX I sent another email for a follow up and just recently on last week. I did not consent to this charge and my banking institution is follow up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My Federal loans were all taken out before the bubble burst and I was saddled with a 7.1 % interested rate. A number of my loans were sold off to different lenders during XXXX and I consolidated them to keep them all in one place however I am now stuck with an impossible interest rate which is exploding my debt. I want to be able to be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was issued a gift card in the form of a XXXX  prepaid from a company for a rebate. Unfortunately, I misplaced the card but found it at a later date that was past the expiration date ( by only a couple months ). I called the number ( XXXX ) and they said they could reissue another card since I never used the funds but would charge me a replacement fee and a fee for each month past expiration ( {$15.00} total ). I asked to have those charges reversed so the rep said they would put in that request also. A new card arrived weeks later with a new number and expiration date. When i checked the balance, it was XXXX. Since receiving the new card, I've called the company 3 times to resolve. Each time I'm told that XXXX ) they will escalate to the " back office '', XXXX ) they will ensure I get the fees reversed, and XXXX ) I should hear from someone from the bank within XXXX hours. After I called each time, I never received a call back. This last time, I got the same message and was told there was no other way to escalate and no other number to call to get this resolved and they apologize for the inconvenience. Not only do I feel strongly that a company can not just take someone's money like this, this company said I could get the funds reissued but aren't resolving the issue. This has been going on for a couple of months now. The card is issued by fifth third bank but I keep getting a call center XXXX  who wont let me speak to the bank. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NV
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 # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. has violated my rights 15 u.s.c 1681 602A states I have the right to privacy.

15 u.s.c 1681 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
Consumer complaint received 2016-05-25
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I are in the middle of hopefully closing on a home through Mortgage Solutions of Colorado , Llc. This process has been the most emotional and XXXX experience of our lives. The company started out on the wrong foot by waiting until two days before closing to look at our file, then sent us through hoops to prove things like a debit card reissuance in XXXX or proof of XXXX in XXXX. The company even went so far as to say we needed adoption papers for my husband 's name change when he was adopted at age XXXX. They claimed our marriage was not filed with the state even though we provided the marriage license to them. Every time they asked for something new, we gave it back to them immediately or the next morning. Those things would have been minor had they all been sent in the beginning. However, we are now XXXX days past our original closing date, and the company refuses to issue us the final closing papers due to a spelling error for which they have an amendment and a copy of the title of the home verifying the correct spelling of the home 's address. Not to mention the fact that when the loan estimates and closing disclosures were issued we specifically asked if the misspelling would cause a delay, but we were assured it would not. The company has deliberately been delaying our closing in the hopes that we will or the seller will back out of the deal. Honestly, I feel like our XXXX names have been the cause, and I plan to bring attention to this type of practice.

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 2022-11-11
Company: Dovenmuehle Mortgage, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a CFPB complaint in XX/XX/XXXX against my mortgage loan servicer, Dovenmuehle, a subsidiary of XXXX XXXX XXXX, who sold Dovenmuehle my loan soon after purchasing my home in XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle had misreported my taxes owed and had inflated my monthly payments incorrectly. I spent months attempting to get them to resolve the issue ( see attached original complaint ). 

On the evening of XX/XX/XXXX, I received a response from Dovenmuehle stating that they had corrected my tax lines, but they were still awaiting a corrected escrow analysis to be ran, so they could not tell me what my monthly amount owed is. 

Despite all of this, I have continued to pay my original mortgage payment through XXXX XXXX with the same staff processing the payment on time each month ( see attached proof of this communication for XX/XX/XXXX ). I had asked for confirmation that Dovenmuehle would hold off on any credit reporting/late fees given that they still can't tell me what my monthly amount owed is. I have documentation with this same XXXX XXXX staff for each month since the issue began documenting that I had paid on time. 

Dovenmuehle has reported to the credit bureaus that I am behind on my monthly payments, despite not being able to tell me what I owe, and despite me continuing to pay on time. This week, I received a notification that my XXXX score dropped XXXX points due to this incorrect reporting. 

Furthermore, in their response to my complaint, they are still incorrectly reporting my taxes. On XX/XX/XXXX, I attained the attached tax analysis documenting my the actual taxes owed on the property for the last several years. Since I attained the property, according to DC Office of Tax, what I have owed is the following : XXXX half of XXXX - XXXX ( paid at closing ) XXXX half of XXXX - XXXX XXXX half of XXXX - XXXX Dovenmuehle is stating that I owe for the second half of XXXX and the first half of XXXX the amount of {$1800.00}. I am not clear on when these figures are coming from. I sent the corrected tax analysis to them on XX/XX/XXXX, and still have received no response. 

To summarize, Dovenmuehle did not resolve any of the issues in my original complaint, as I still do not have the tax lines corrected, nor a corrected escrow analysis/monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF THE WEST
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been a longtime customer at bank of the West. I recently received a letter regarding a new {$10000.00} credit card I had been approved for, which was followed by the actual card. I had never applied for a credit card so I contacted the bank. I explained to them I had never applied for a credit card and wanted this closed and an explanation on how this could have occurred. I was told that there was an application and I requested a copy be provided for my review. The call agent closed the account ( which I verified the next day ) and said a copy of the application would be sent to me. 

After a week passed and several confusing calls from the bank, I did contact an employee today who explained that the application was received over the phone and that I would not be receiving a copy of it. I stated that I still wanted an explanation of how this could have happened. After a few minutes the agent asked if I had ever spoken to XXXX at the XXXX XXXX, which I stated no I had not. The agent explained they would have to contact a supervisor and get back to me. 

With the situation at XXXX XXXX and the risk of identity theft, I am concerned that either I am victim of identity theft or Bank of the West has the same issue as 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 2022-11-11
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:
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Date Updated XX/XX/2022 High Balance {$630.00} Original Creditor XXXX XXXX  Past Due {$630.00} Pay Status >Collection in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX someone purchased a car in my name at Carmax in XXXX OH. 

XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX Bank approved the auto loan. Fraud contact is XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX I made a overnite deposit due to the ATM at the XXXX GA location being down. On XXXX I called XXXX to find out why it did not post. I talked to XXXX who refunded the NSF and put a total block on card for overdrafts. He said that if no funds are in the account no transactions will go through. XXXX at XXXX location XXXX who said that they do n't make deposits from the overnite deposit box on weekends. ON XXXX, charges from XXXX as a trial period ended went through. On XXXX I talked to XXXX at the call center who said that a partial block was on and any recurring charges will post to avoid embarrassment. She proceeded to put a total block on the card for overdrafts and sent me a claim form since I was not told about the reoccurring charges. After I sent the form in they sent me a letter and said that there was no error for the $ XXXX {$36.00} nsf charges.

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