BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: Dovenmuehle Mortgage, Inc.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dovenmuehle Mortgage is the private-label subservicer of a VA backed loan for which my late husband was sole borrower. The property was transferred to me upon his death ( XX/XX/2021 ), and I am confirmed successor in interest. I have provided this company with my written statement of intent to take over payments on the note, as surviving spouse and Titled owner of the property. 

The Company has thus far refused to cooperate with VA Regulations and Federal Laws ( XXXX XXXX XXXX, Consumer Financial Protection Rules pertaining to the ATR rule, and VA Regulations pertaining to the unrestricted transfer of the loan ). The company has insisted that I must submit an application for assumption with associated fees, which is clear violation of multiple Laws and VA Regs. Furthermore, Dovenmuehle has refused to respond in a meaningful way to my repeated phone and email requests over several months to correct this issue. 

Dovenmuehle has been notified by the VA Regional Office in Denver that they are in violation of VA Regulations. The failure of the Company to respond to me now places them in violation of RESPA and my rights as Successor in Interest. 

There are no other beneficiaries to the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX. I request that XXXX XXXX XXXX, XXXX cease and desist all communication with me. XXXX XXXX  is mailing me document that I DID NOT REQUEST. I have attached the documents. I have not file for identity theft/fraud. I AM NOT PAYING XXXX XXXX. I did not agree to pay them verbally or in WRITTEN. I have not signed a contract with XXXX XXXX to pay the {$680.00}. XXXX XXXX can not provide proof that I signed and agreed to pay them for a debt. XXXX XXXX is reporting incorrect or inaccurate information on my Transunion and XXXX credit report. THE COLLECTION ACCOUNT is REPORTING AS A " OPEN ACCOUNT ''. A COLLECTION ACCOUNT SHOULD NEVER REPORT AS A " OPEN ACCOUNT ''. THE BALANCE SHOULD BE ZERO. My credit reports say {$680.00} dollars. Which is inaccurate because XXXX XXXX is asking for {$680.00}. A COLLECTION ACOOUNT SHOULD NOT HAVE AN AMOUNT EITHER. XXXX XXXX  IS NOT FOLLOW THE LAW of 15 U.S code 1692. I am KEEPING and COPYING ALL MAILED DOCUMENTS XXXX XXXX  MAILS TO KEEP ME for the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies are  Amazon, Gap, QVC, Sams club and TJ Maxx. This i s against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a viol ation of US Bankruptcy code.  I was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported

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 2017-04-24
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies a re Amazon, Gap, QVC, Sams club and TJ Maxx.  This is against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a violation of  US Bankruptcy code. I  was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported

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 2017-04-24
Company: Experian Information Solutions Inc.
State: TN
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:
In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

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 2017-10-16
Company: EdFinancial Services
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: Account status incorrect

Complaint:
please find attached the creditors letter for which they have approved to have the delinquencies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: RMS-Recovery Management Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received this attachment notice of owing fees in the amount of {$5900.00} to XXXX XXXXXXXX University. I discussed with a rep from XXXX over a year ago this with a veteran liaison this debt is false reporting collections. Now this has resurface under a recovery management service. I am a XXXX veteran and my school loans and debt has been approved and removed under the Permanent Disability Discharge Act as of XX/XX/2021. I have not received any services from XXXX and have reported this several times. During the time I was requesting services I never received any items in time of need for courses and reached out and no one responded in a timely manner.

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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act the following accounts have violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX 15 USC 1681 Section 602 States that 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX 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 accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
CAPITAL ONE UNEXPLAINED PURCHASE ADJUSTMENTS TOTALING {$610.00} 1 ) I purchased two wigs using Capital OneMastercard, one of which wasn't what I ordered at all. I called the company, XXXX, an houror less after I received them. XXXX kept giving me all kinds of XXXX about letting me returnthe wig over two or three days. XXXX kept " losing '' the photos I sent etc. So, I called Capital One. 
XXXX Capital One removed the charge of {$160.00} and change on XX/XX/XXXX XXXXand put the charge right back on my account on XX/XX/XXXX -- which I didn't notice for acouple of weeks. 
*** I called Capital One and got no where. Capital One claimed they werefollowing Mastercard Protocols. -- I had no idea Mastercard was like this. I've never had aproblem with a company engaging in fraud when I made a purchase through Visa. Never.Once I pay off Capital One, I'll never use Mastercard again. 
******************* When Irealized Capital One was cheating me in this way, helping fraudulent companies, I decidedto check my account more closely and found out Capital One did " Purchase Adjustment '' without notifying me this at least 3 other times. 
* * * * * * 1 ) XXXX XXXX issue was resolvedafter a complaint here, to the CFPB. Apparently XXXX XXXX told the truth when queriedabout why they charged my account. A correction was made. {$59.00}. 
* * * * *. 
2 ) I purchased an Infra red blanket that turned out to be a matt. It barely got warm at all and it was tooinflexible to use. I also paid for next day service and didn't get it. I tried to return the mattover and over, the website wasn't working. XXXX XXXX. Their phone wasn't workingeither. {$170.00}. 
I called Capital One, where they state they record the conversations. Thecustomer service rep at Capital One told me not to worry about sending the matt back -- -because I couldn't. One week later, unbeknownst to me, Capital One snuck the charge backonto my account on XX/XX/XXXX. ( I've send Capital One the apology e-mail fromXXXX XXXX via CFPB -- there's no way they didn't receive it. ) ************ 3 ) I paid for a group trip ininstallments, at the beginning of XXXX. The trip didn't take place because of COVID. Thecompany had to cancel the group trip. Capital One credit my account for 4 of the chargesbut then recharged me for one of the trip installments on my XX/XX/XXXX statement that'ssomehow dated XX/XX/XXXX for {$270.00} The only reason I know what it is -- is because of the amount. All it really says " PURCHASE ADJUSTMENT '' -- not connect to much of anything. Dear CFPB, This should an illegal business practice all by itself

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company NC Financial has been reporting on my consumer report incorrect information. It's reporting as a charge off and a collection at the same time. But doesn't show who owns the account currently. This is a violation of the FCRA 1681s-2 as they have the responsibility to furnish accurate information to consumer reporting agencies.

They also have not complied with the FCRA and replied to my requests for validation per 15 U.S. Code 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: TN
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:
In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: NC
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:
I am in the process of trying to buy a home. After revieving my credit report i see incorrect information that is being listed. The incorrect accounts listed are damaging my financial profile. I havent sent in multiple dispute letters in. The dates that the letters were sent were XX/XX/2021 an XX/XX/2021 to have the account investigated. The amount awed on the account was {$3100.00}. Account a high credit limit way over that amount, and does not add up. 

This account also looks like it would be out of the STATUTE OF LIMITATIONS. This account says that last activity date was XXXX.l. I have not received any investigation results in the mail. Please assit with getting this account removed from my credit report and investigated imediatley.

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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

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 2017-04-24
Company: Caliber Home Loans, 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: Investigation took more than 30 days

Complaint:
Please see the attached findings from  XXXX  's  XXXX   XXXX ,  XXXX  investigation. The date of payment, actual payment, scheduled payment amount and date of last activity are all incorrect. In addition, my  XXXX   XXXX ,  XXXX  report does not reflect  XXXX ,  XXXX  and  XXXX   XXXX  reporting. The following should reflect a s : 1. D ate of Last Payment :  XXXX   XXXX ,  XXXX  not  XXXX   XXXX   2. Actual Payment Amount : {$1200.00} not {$1200.00} 3. S cheduled Payment : {$1200.00} not {$1200.0 0} 4. Dat e of Last Activity :  XXXX   XXXX  not  XXXX   2016 See  CFPB complaint numbers  XXXX  and  XXXX

Company response to consumer: Closed with explanation