BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage Company is refusing to remove the PMI from my mortgage payment /escrow account event after my property 's " As Is '' value ( as referenced from Dovemuehle 's documentation ) brings the LtV well below the company 's required LtV of 80 %. 

I have recently had an appraisal done which indicates that my property 's value is $ XXXX ; this appraisal was not ordered by Dovenmuehle. While Dovenmuehle does require that they order the appraisal, Dovenmuehle has provided me with documentation which confirms that they are aware that my property 's LtV is well below 80 % without the need for an appraisal. 

I have made several attempts to resolve this matter with Dovenmuehle, but they continue to give me the run arounds, and appear to be calculating the LtV using my loan balance - loan amount versus loan amount - property value. 

I have emails and documentation from Dovenmuehle which confirms the dates and amounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: BARCLAYS BANK DELAWARE
State: HI
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:
I ORDERED 2 PRODUCTS ON LINE OFF A XXXX AD ... XXXX XXXX AND XXXX.. FOR {$6.00} AND {$680.00} ON XX/XX/2019 IT WAS A SIMPLE ONE TIME ORDER ... THIS ORDER WAS DELIVERED. THE NEXT MONTH I NOTICED A CHARGE FOR {$89.00} AND {$89.00} ON THIS SAME CARD..I DID NOT PLACE THIS ORDER. I CALLED AND WROTE MY CREDIT CARD CO AND THEY REVERSED THE CHARGES ... .THEN THEY SENT ME A LETTER SAYING THEY HAD REVERSED THEIR DECISION.. AND RECHARGED ME FOR THIS PRODUCT I DID NOT ORDER..I CALLED AGAIN AND THE CONSUMER SUPPORT PERSON TOLD ME I HAD TO CHANGE MY CC # TO STOP THESE UNWANTED DELIVERIES ... I DID.. THE NEXT MONTH I RECEIVED ANOTHER PRODUCT AT THE HIGH PRICES,,, I HAVE HAD THIS HAPPEN TO ME ONCE BEFORE ANT THE CC COMPANY QUICKLY AND EASILY REVERSED THESE CHARGES, BUT XXXX IS SIDING WITH THIS DECEPTIVE MARKETING MERCHANT.. THAT IS WHERE WE ARE NOW ... ORIGINAL CC # XXXX NEW CC # 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 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I Noticed Unauthorized Inquiries On My Credit Report. 

XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Higher Education Servicing Corporation, 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: Account information incorrect

Complaint:
My student loan creditor, Higher Education Servicing Corp. is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. ( 2 accounts ) : Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CHARTER CAPITAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Fraud, Financial Identity Theft and Civil Theft of a Note. 

The Trust does not exist : XXXX XXXX XXXX XXXX XXXX XXXX. Please note that the trust first registered securities with the SEC in XXXX XXXX. However, the trust filed a Form XXXX Termination of XXXX XXXX XXXX in XXXX. 

NO LEGAL STANDING Charter Capital Corporation in XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charter Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Asset Backed Certificates, XXXX XXXX alleged, Holder, Attorney in Fact, but not Holder in due course using a void Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion allowed XXXX XXXX to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.

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 2022-03-09
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: Investigation took more than 30 days

Complaint:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: NY
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 writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2021-04-17
Company: EQUIFAX, INC.
State: NY
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 writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute letter to the 3 credit bureaus informing that an account is reporting that I have no knowledge of and I am a victim of identity theft. This account, XXXX XXXX XXXX continues to report on my credit report causing harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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:
Once you've successfully filed your credit dispute, you should expect the following to happen : 1. Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime within your myEquifax account.

2. Investigating Your Dispute When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we contact the reporting company to verify the accuracy of the information youre disputing.

3. Results in 30 Days Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. 

From EQUIFAX page themselves but all my disputes take more than 45 days in most cases

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was being livid by my mother who had a mortgage prior to my parents transferring the deed to my name. 
When I noticed it was in foreclosure my mom did not know what I was talking about ( she is XXXX ) and I began talks with wellsfargo which told me that I should speak to our mediators XXXX XXXX After I spilled my heart to XXXX I found out they were sued for a misrepresentation issue. XXXX I decided to talk directly to wellsfargo because XXXX  had vested interest in the bank. I asked if I could get a loan in my name and they never helped just said no. I told them that the home has an adjacent lot which my father included into the property description, that if sold I could pay almost all the debt. ( interest only mortgage for XXXX and owed at that time XXXX ) they said no which is not right because I can separate the lot and it will kit affect at all the property value as for mortgage purposes. Wellsfargo just wanted me to transfer my home to my mother so they could foreclose. This home was given to me and supposedly free and clear as gift for me donating my XXXX to my older brother and trasferencia my house to him when he was unemployed and almost homeless.

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 2017-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have been working with Wells Fargo for a loan modification. The  Underwriter  had been requesting documents. On  XXXX / XXXX / 17  they confirmed that all the documents were in and the alert to postpone the sale date was submitted. Today when i called in they stated that the sale date was still scheduled for today and the Underwriter was requesting additional information that was NEVER mentioned in the conversation on Friday. The representative even confirmed that all the documents were in and the postponment should be completed by Monday. This just is not fair!   Please help me as i do not want to lose my home.

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 2022-09-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Everytime I make a payment my XXXX Capital one credit card account is placed on " restricted '' status and the account is frozen allowing no more charges to go through. The first time a payment was made was through a XXXX XXXX account from which I receive direct deposit. I called and was told as a security/fraud threat I need to verify account ownership of the account the credit card payment came from. Why? What fraud exists between a scheduled payment from an account in my name to an account in my name? Is this not something one bank can find out from another bank with a phone call or email? Instead I had to 3 way call between my bank and credit card company to verify account ownership and available funds. Is this not a huge breach in privacy! 

Now I have a job which doesn't offer direct deposit but deposit only paper checks. So I am forced to get a bank account. I made an {$850.00} payment to the card and the funds cleared on both sides and am being told that my account is again flagged for fraud protection and restricted /frozen until I fax a bank statement to prove ownership of this account. This account was opened a week and a half ago and therefore has no statements for another 2 and a half weeks. Do they intend on holding onto my payment of {$850.00} which they have already accepted and reject reoccurring payments for water bills and dentist payment plans until they get verification? Is this not solved by a simple phone call?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Applied Data Finance, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/2021, I had responded to an offer from this company ( Personify Financial ) and was denied. They then sent me a letter in XXXX with a pre approved offer. I have thrown the letter away but was directed to their website to apply which I did. They approved me and told me that with on time payments I could get my interest reduced. They never really disclosed the interest but told me to create an online account. I eventually did and they took my banking information for auto payments. I went about my life and the payments came out of my bank {$150.00} every two weeks like clockwork. Well, in XXXX I had to enter into a credit counseling agreement because my debt that I took on from the pandemic is so great that we are literally drowning in it. I tried to get this loan included but they wouldn't work with my credit counseling company XXXX XXXX XXXX XXXX XXXX ) So I tried to contact the company myself and was told that I had to let the loan go into default before they would offer me any help. I am already suffering from poor credit so I do not want to do this. I then went into my account to see what the balance was to see if it was an amount I could consider paying off quicker. The balance of my loan was higher than what I had taken out. I had taken out a loan amount of {$3900.00} and my loan amount was over {$4100.00} even after {$1800.00} of payments!!! I cried. How can this be fair? Please help me do something with this loan. I can not keep this up and don't want to go into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
My student loan creditor, NAVIENT is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 8 accounts ) Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXXand retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 explanation