BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle ( https : //www.dovenmuehle.com ) is my mortgage company since XXXX sold the mortgage to them in XXXX XXXX 
Since then, payments submitted electronically to Dovenmuehle are extremely difficult to be done. 
1 ) Dovenmuehle website is very confusing and any customer is not given a chance to change the bank account number/routing number any time when the customer finds an error. 
2 ) I have been submitting my mortgage payment for such reason with a Certified mail with a personal check from XXXXXXXX XXXX. I was loosing {$9.00} almost each time to mail my checks plus the money for printing checks. 
3 ) Since this is inconvenient, I decide to submit electronic payment to Dovenmuehle on XXXX XXXX XXXX.Re : Confirmation Details XXXX XXXX XXXX XXXX XXXX 
4 ) I had up to XX/XX/XXXX to submit a payment so I will not be late. 
5 ) On XX/XX/XXXX I called Dovenmuehle and ask why I can not correct my routing number saved at my account. 
6 ) Their Customer service agent told me that I can not do that, but rather I need to double submit another payment of {$2600.00} over the phone immediatly in order to not default my mortgage. 
7 ) I refused and stated that if my payment will not be debited, I will filed CFPB complaint, as it is the fault of Dovenmuehle, not my fault. 
8 ) As of today, XXXX my mortgage payment is still not debited from XXXX XXXX Dovenmuehle is keeping my wrong routing number, even I succeeded to change it online. 
9 ) I believe that Dovenmuehle is willfully doing so, so I will default my mortgage. 
10 ) For the Past 10 years I have not been late even ONCE on any of my mortgages!!! 
11 ) I am concern about the fact that Dovenmuehle do not notify me nor is debited my bank account for my current month of XXXX mortgage. This is wrong! 
12 ) I sent the following email to Dovenmuehle : Why still my mortgage is not debited. I need this completed tomorrow. Confirmation Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' 13 ) I received the following " Confirmation Success! We received your message Your message has been submitted and has been referred to the appropriate area for review. Confirmation Number XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian.  


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.

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 2023-08-24
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Zwicker & Associates, P.C. 
XXXX XXXX XXXX XXXX, XXXX  XXXX I called this office several times to make a payment, only to be told that, I cant discuss this account with you, and being told that your account is in review. I was told that an Attorney would have to review my account. I asked the representative, " Can I make a payment to you today '', the answer was " no, I can't take a payment ''. I offered to make payments, offered to give you bank information to make an immediate payment. The Zwicker & Associate representative refused my payment. Therefore, on XX/XX/XXXX, I called XXXX and made a payment of {$1600.00}. XXXX took my payment information and sent me an email confirmation of payment. However XXXX did not post my payment. I have confirmation that XXXX took my payment, however they refused to post it to my account. In the meantime, they are reporting me to be 90 days late. These actions are WRONG! 
I have contacted The Attorney Generals office in XXXX  and XXXX  to investigate this matter. Your records should reflect the number of times Ive called to make a payment. I didnt know that you could deny my payments and report me late to the credit bureaus. I have proof that I tried to pay this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint CLOSED Submitted Banking overdraft fees grace periods too bring account to positive balances, are just a scam, to further financially harm American retail consumers. 

Wells Fargo must supply to me with a copy of a document which they purportedly say I signed for overdraft fees and to pay certain bills that come through to my accounts. As far as am concerned, I did not voluntarily opt into overdraft fees but their banking or transacting system signed me up by default. Furthermore, I need evidence to support that I opted into Wells Fargo overdraft fees. 

I do not agree with excessive overdraft fees this bank continues to charge from me. I need evidence of a copy of opt in document that the bank alleges I signed to their excessive overdraft fees. This banks charges {$35.00} per dollar paid. 

Wells Fargo also decides and chooses which of incoming transactions are paid by them at their XXXX discretion without my input or consent from consumer, which in return harms finances and causes emotional damage and despair. Thus, I need proof that this bank is not just engaging in predatory banking, and fees imposed on its vulnerable consumers. I also need a document that shows I really signed a consent to approve of their overdraft fees and discretionary payments to my creditors. Please provide proof of consent. 

I strongly believe Wells Fargos overdraft fees are excess, predatory and discriminatory to minority consumers.Therefore, I need a refund for fees charged because this banks has always declined to pay for certain debits in excess of {$35.00} but only pays those below {$1.00} so that they can make profits. 

Wells Fargo bank needs oversight in its abusive and predatory banking practices and the way it treats low income low net-worth customers. 

The overdraft fees are too excessive and predatory which negatively and financially harms people of color and other low net-worth consumers. Please do something. 

They practice predictors banking and choose to decline paying or pay creditors for incoming bills to my account, but they are selective on who want what bills are paid. 

They only pay for certain transactions when they know they will make profit, with no regard to negative effects on its low net worth consumers. 

Their new tactics of grace periods to allow customers to make payment to bring accounts to positive balance is a way to cause more harm and to make more profits from Vulnerable customers especially people of color, like me. 

I need all fees charged as a result of forced overdraft fees to be refunded. 

Thank you. 

XXXX 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 explanation
Consumer complaint received 2023-08-22
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been contacted by National Credit Systems ( NCS ) a company headquartered in the state of Georgia. I have made an attempt thru direct dispute with the furnisher sending certified and marked correspondence on XX/XX/2023, with the company supposedly to validate the alleged debt and to see if they are a recognized company. I have not received anything from the proposed original creditor which is listed as XXXX XXXX XXXX. I have been threatened that I may be sued and if sued then my accounts will be garnished without my authority.

I have sent the company notice that I am not going to pay the alleged debt to them since they have ignored my validation requests. I have asked the Credit bureaus to investigate however they have told me that I am not going to get any information directly. rather only that NCS has validated the debt with them. When I asked for additional information on the verification, I was told that I would have to supeaona each credit reporting agency just to get the process of how NCS is validating and verifying this debt.

The date it was added to my consumer profile is incorrect as well it states XXXX, but it did not pop up until XXXX timeframe which didn't allow me my 30 days to respond. Once I saw the account, I immediately sent a cease-and-desist letter to NCS. However, they have continued to violate my privacy and report this erroneous information onto my account.

I did not give any organization a right to add any info onto my report nor was i offered a opt out to my transactions and experiences. My consumer rights have been violated and my right to privacy abused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My US Bank XX/XX/2023 statement balance was {$620.00}. I paid {$620.00} ( XXXX cents short ) prior to closing. I was charged {$8.00} interest. I called Customer Service and they said it requires supervisor approval b/c I paid XXXX cents short. This is a predatory lending practice. Bear in mind, their app does not ever show the remaining statement balance if you pay partial payments each month, so you're left to figure out that balance on your own. Many creditors like XXXX and XXXX show me what I have left each month so I don't make a XXXX cent error. I'm left with no choice but to believe that US Bank deliberately hides the remaining statement balance so they can profit from additional interest.

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 2023-08-27
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a Car loan with Santander bank in XXXX through XXXX. During that time I had very low income and I was unable to pay the monthly bill and was charged outrageous amount of fees and interest that resulted in me paying my loan amount over 3 times the amount the contract was for because they did not provide me resources when I was in need of financial hardship assistance. My son and I had to live with my parents as I could not afford to live on my own and we lived XXXX XXXX XXXX XXXX. I had to seek help from friends to afford to feed my son because if I did not pay my loan I could not go to work to pay my car. I worked only to pay my loan and I had nothing else. There was a lawsuit I was never made aware of that Santander consumer settled on and I had never received a letter to join as this was unethical and other consumers were taken advantage of. I was not qualified for that loan but they approved me knowing I could not pay it and would suffer tremendously in life like I did with my XXXX  child. I asked for the fees and extra interest applied to be reimbursed to me, as I continued to pay the car and outrageous fees so my credit wouldnt be damaged which they did anyways and I couldnt purchase a car for a long time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trying to refinance, it shows on my XXXX, that I have a 30 day late for the month of XXXX. Mortgage statement and my bank statement shows that I was not late. Ask if they could please remove it, stated that because of the bankruptcy, my ex-husband filed, I DID NOT FILE, that payments are posted to my account in a process of bankruptcy decision when they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: AR
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # : XXXX XXXX XXXX ( XX/XX/2020 ) Account # : XXXX XXXX XXXX ( XX/XX/2020 ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX has violated my rights as follows 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 which I have NOT provided. 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 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 2023-08-22
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from Credit Collection Services ( XXXX, MA ) stating that I owed a debt to XXXX XXXX. It did not list the date of service or the patient name. I logged into my XXXX account and found that I had a {$0.00} balance. 

I called the number on the letter from CCS and told them I disputed the debt and wanted a detailed written statement of the charges. The person on the phone told me they were not required to provide that and the primary care provider has already sent that to me. I told them I had received no such notice and was reiterating my request for a detailed written statement of the disputed charges. They again said they did not provide that and told me they noted my account was disputed and asked if they could do anything else for me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear XXXX please remove the block and the exstended fraud alert from my credit report, I never gave you Permission to but a block on my report or the extended fraud alert on my file, remove all blocks and fraud alerts on my file. Cease and Desist from reporting any thing that I do not give you permission to do. Remove it immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: LEXISNEXIS
State: CA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has Violated my rights. 

XXXX. Account Name : XXXXXXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXAccount Number : XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-08-23
Company: United Collection Bureau, 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 am refiling this complaint to UNITED COLLECTION BURE for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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:
They blocked my account for " security reasons ''. When I inquired about why, they wanted to verify I own the payment account. I informed them that I do and that I shouldn't have to prove that I own the account. They said under the terms of use, they can. They did send me the terms of use, and after reviewing it, there is nothing saying that I have to prove that I own the payment account. I have been unable to use the account even though I have fully paid the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name:XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : # XXXX has violated my rights. Or list of inquiries 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 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 2022-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to pay my credit card after my bank account with Capital One was closed. I reported an issue with online pay and I was told it was a technical issue. Eventually, I got to a representative who kept telling me to call. I told him I was XXXX and very sick and needed accessible chat or communication options. I was never provided a way to pay my bill while sick at home, and eventually capital one XXXX the chat function on my account for their app and website. I was unable to reach support and couldn't call due to my XXXX. This is unethical and infringes upon my rights as a XXXX person. When I first complained about the online pay not working, I was told it was a technical issue and that it would be fixed. I believe Capital One lied to me in order to accrue fees and subsequently close out my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is still reporting an account I closed last year as open, this account was settled with the original creditor and closed the date of payment. This is not a joint account, this is an individual account with one obligee. This account states inaccurate information. 


Account number XXXX XXXX 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