BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: Dovenmuehle Mortgage, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home was lost in the XX/XX/2016 flood in Louisiana. We have attempted to obtain the payoff amount from the company that bought our mortgage ( Dovenmuehle Mortgage ) from our local bank ( XXXX XXXX XXXX since XX/XX/2016. These requests have been made by phone, email, and written correspondence. We have explained repeatedly that our ability to rebuild hinges on this payoff amount, but have only been met with collection threats, rude employees, and absolutely NO cooperation from this company. They say they can only mail the payoff amount via US Mail and say they have done so on four separate occasions. However, this document has still not been received. We have had no interruption in mail service, our local post office has no record of this correspondence, and we just do not believe they have made any attempt to send it in order to continue to charge us their exhorbitant late fees. We have requested that this information be sent via overnight service or certified mail, but were told they " do n't do this ''. We are currently living in a small camper in our driveway and have an application with the small business administration for a loan which will enable us to rebuild, but without this information, this process can not move forward. Dovenmuehle Mortgage and their employees have only shown less than a lack of concern for our circumstance, so we feel we are forced to seek assistance at a higher level.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an iPhone and applying for a new Discover card. I needed the cashback promised to be added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: MA
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 had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXX I used the card for  the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX, but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession.

Amount the Car was auctioned off at.

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.

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 2017-08-09
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer is LoanCare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. On XX/XX/XXXX, I received a letter from the County Tax Collector that taxes for 2016 were not paid. The county is also charging me a {$240.00} delinquency fee. I e-mailed copy of letter to Loancare, since it is their responsiblity to pay my propery taxes from my escrow funds. I have more than enough funds in my escrow account. It 's been 2 months since I sent them the delinquency letter and my concerns have been ignored by this company, even after numerous e-mails and half a dozen phone calls. The customer service reps on the phone keep telling me that they will escalate the issue to a higher level and respond within 48 hours. This is the worse mortgage service company that I have ever had to deal with. I even asked if I could take control of my own taxes and forgo escrow with them. That way I can make sure my taxes are paid and make sure this doesnt happen again. They refused saying that I would need principle to be less than 20 % of the value of the house. This company is negligent in their duty to service loans.

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 2022-01-26
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Wonder the guise of Free conversion from crypto to crypto coinbase charges a huge spread when making these Free conversations. They need to disclose the spread and the cost of that crypto to crypto transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX/XXXX/2015 I had XXXX and I was take by my Doctor to a Private Hospital without my consent and the bill came as shock. My Insurance has paid {$8000.00} just for Hospital Bill not include Doctor Bills. but now I just pull my Credit Report and Its show 2 separate bills for the same service from collection Agency represent Hospital, But Early I did receive only one bill from That Hospital. And now I have been contact that collection Agency and ask Why One bill was reported as two bill on my Credit report but I do n't get any respond All they tell me is that They will contact The hospital for a father verification. but I never heard from them. My believe I was over Charge by the Hospital in the First Place. If in the Pass my wife XXXX Did n't cost that Much? Why my XXXX XXXX XXXX up Cost Almost XXXX Dollars. Warn Others Stay away from Private Hospital they will Bankrupt Society.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Per complaint XXXX, I am not able to access my equifax reports. The company responded with " Thank you for submitting your complaint the CFPB Complaint Portal. We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. ". The response indicates a clear violation of the fair credit reporting act, provides no remedies to the problem at hand. The company continues to deny access to the credit reports, and has acknowledged it is doing so willfully and on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The bank sent me XXXX letters and XXXX emails stating that i should submitt my country of citizenship and that its required by law for the card they gave me XX/XX/XXXX .when i called to give to them i was told i called the wrong department .they gave me a different number to call and i called the representative that handled that case started asking me questions and i stoped answering them and asked her if i was reaplying for this account And she told me no .she assured me it was not reaplying its a requirement to keep update what they dont have. She promissed its not reapplying for that account .i went ahead and answered the questions she was asking and when i was done she told me its updated but not open so i keep on paying the amount they send on the mail i said ok and the call ended .but that evening i received an email stating that i got a hard inqiry in my credit account from XXXX XXXX XXXX .i called the bank and complained they told me their is nothing they can do and i requested a supervisor .they gave me a supervisor whom i told what happend and he told me that inqury was legitimate .i explained that i called the bank to give my country of citizenship i wasnt applying because i have been having the card since XX/XX/XXXX .he told me at that point thats final .i told him to listen to the conversation that we had with the representative he said he will listen at it and update me .after fiur days he called and told me he had me ask if that was applying another account but still he told me its legitimate .i have attached the card from 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 explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number 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 2020-08-07
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This complaint is about Equifax. 
The problem I continue to face with Equifax is the high maintenance and continued effort on my part to ensure accurate reporting reflects on Equifaxs reporting. Equifax is one of three credit reporting agencies that the XXXX People are forced to use and reply on accurate and timely information shared with financial institutions. 
I ran my credit report on XX/XX/2020 as I always do at least once a month since I subscribe to Equifax. I noticed XXXX XXXX XXXX is appearing on my Public Records section of Equifax Credit Report. I did not know who or what business XXXX provides, so I called XXXX to see what this was about. The lady on the phone tell me they are a credit bureau for insurance companies and XXXX provides information to the carriers. why would my carrier call XXXX without calling me first. and I have had life, auto and homeowners insurance with the same company for over 30+ years, and did not apply nor inquiry for any type of insurance. How did this happen. They lady couldnt provide any other relevant information. 
Mostly importantly, why does Equifax post this information on my credit report in the " Public Record '' section of my report. Does this leave a scar on my financial report as being a criminal which I do not have in my entire life. 
Something has to be done with Equifax. I spend many hours trying to keep my credit report in very good standing, and Equifax continues to report falsely reports, and lies about my credit history to keep me from getting financial loans i am a dissatisfied customer of EQUIFAX, and i spend lots of hours trying to dispute many falsely claims on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted Transunion several times but they just wo n't fix this. My XXXX XXXX credit card that I pay on time each month is not showing ( card # ending 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 2015-12-04
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
A couple of years ago I have discovered unauthorized charged on my Discover card, and have contacted Discover with hopes of resolving the issue. Discover shut down my card and nothing was resolved. I refused to pay the amount I did NOT authorize thus Discover sent this account to collections. This year I decided to clear negative items from my credit and contacted Discover with hopes to pay in lieu of them removing this account from my report. A few months later I received a statement from Discover stating that they have charged off this account but if I wish to pay it I should contact XXXX XXXX who is now collecting on this account ( see attached ). I have contacted XXXX and agreed on a payment plan. So far I have made a total of {$4400.00} to XXXX XXXX for Discover account however Discover is STILL reporting the outstanding FULL balance to all XXXX bureaus on my credit report continusly damaging my credit and claims NOT to have received any payments. However, XXXX states they have forwarded all payments to Discover ... After all this money paid none of the parties seem to know where the funds went and I still ca n't refinance my house due to this unresolved matter and Discover card being in dispute. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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:
I filed a dispute on XX/XX/2020 due to inaccurate information being reported on my credit profiles. The profiles have numerous inaccuracies that need to be resolved immediately. I have sent multiple letters to try and resolve this matter and have yet to have them acknowledged. I would like for actions to be taken as it has been well over 30 days since my initial dispute. These companies have not been complaint with the Fair Credit Reporting Act, and must be held accountable for there actions.

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 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.

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 2017-05-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Regarding this creditor : Synchrony Bank/Discount Tire  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Account  XXXX  On    XXXX   XXXX   XXXX      I received information that an account in my name, using my correct SSN and DOB, was fraudulently opened with this bank.   On   XXXX   XXXX   XXXX   I sent via certified mail (   XXXX  tracking   XXXX  ) a certified letter under the Fair Credit Reporting Ac t Section 609 ( e ) r equesting all records relating to the fraudulent transactions and account. Under that statute, they have 30 days to comply.   As of    XXXX   XXXX   XXXX      I have not received any correspondence regarding this request. I am determined to vigorously investigate who made this fraudulent request, and the bank 's negligence in this matter is endangering my efforts.   Synchrony Bank is apparently mis-informed that compliance with this statute is optional ; they should be politely disabused of this misimpression.

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 2015-05-07
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This account was established over 10 years ago. I closed it by choice between XX/XX/XXXX and XX/XX/XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XX/XX/XXXX. In XX/XX/XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was not removed from my credit report after I sent a dispute letter to the credit bureaus. According to Federal Telecommunications Act ( 47 U.S.C. 415 ) section ( a ) this account has passed the 2-year Statute of Limitations to collect such debt. Note that I called them today ( XX/XX/XXXX at XXXX ) and they admitted knowing the debt is beyond the Statute of Limitations. The original default with XXXX XXXX XXXX happened in XXXX ( 4 years ago ) and has been sold a few times. I am asking that this debt stop being reported on all 3 credit bureaus ( XXXX, XXXX, and XXXX ) as it is negatively impacting your credit score.

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