BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2017-09-25
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been with Dovenmuehle Mortgage Inc. since XXXX. Every since they have bought my mortgage it has been nothing but problems. Example - payments been placed on the wrong months not getting a positive response from the company about the matter. Then getting to run around repeatedly about my payments. I have filed a complaint before with cfpb about this same matter. I have contacted other agencies also no one is doing anything about this crooked mortgage company and they are getting away with it.Now they are trying to take my home. When they were contacted by you CFPB, they sent me paper work where the dates or payments were n't right and did n't add up. All it was was a lot a paper with the logo and incorrect information on them. I have seen on this very website other complaints about this same mortgage co. and home owners payments. WHY??? is this company able to get away with this i do n't know. i have proof of all my payments from being to end. The mistake was Dovenmuehle and they have yet to fix it and will not fix. They say they have fix it but that 's not true. Now they are trying to charge me more money Late fee etc. and have yet to fix my account. Now they want to take my home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: WELLS FARGO & COMPANY
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:
I had a student credit card from Wells Fargo that was closed in XX/XX/XXXX but Wells Fargo kept reporting late payments until XXXX even though the credit card was closed and that has been hurting my credit score I had set up an agreement they canceled my account where I couldnt make any payment anymore that was the reason why they closed but yet still continued to repot late payment on this significant account.

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 2022-08-23
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Money Source ( TMS ) is intentionally misapplied mortgage payments during my XXXX  XXXX bankruptcy. I am only due for the current month of XXXX, and just completed a XXXX XXXX  XXXX bankruptcy last month. TMS collected {$6800.00} for arrears through the XXXX XXXX plan ; however that amount was almost {$2000.00} more than the amount that should have been collected. The post petition arrears were only XXXX plus {$650.00} in fees totaling {$4800.00}. Where is the other {$1900.00} ( {$6800.00} - {$4800.00} ) collected through the XXXX XXXXXXXX trustee? Also, XXXX XXXX XXXX XXXX XXXX ( attorneys representing The Money Source ) filed and withdrew their motion to collect after I submitted documentation showing every payment and that I have not missed a payment since filing for bankruptcy in XXXX. TMS 's attorneys apologized for the mix up, withdrew their complaint, and promised to update their records which they never did ... Also, I filed a previous complaint for a mortgage payment that was misapplied last XXXX or XXXX of XXXX. TMS requires me to speak directly to their bankruptcy department, and that department stated TMS misapplied the payment making it appear I skipped a mortgage payment. I have been trying to get all of these issues resolved since XX/XX/XXXX. Over the past few weeks I have repeatedly contacted TMS for assistance in getting the records updated and each time I am told the ticket will be escalated and someone would call me back, but I never get a call back. Please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
Personal Update Letter originally sent XXXX22 was received by CRA XX/XX/XXXX22 Tracking # XXXX Identifications and other supporting documents were attached again on XX/XX/XXXX22 another letter was sent in response to partial dispute resolution on XX/XX/XXXX Report # XXXX. that letter was received on XX/XX/XXXX22 which included a reply letter in hand written blue ink with instructions, notarized and certified copy of common law copyright notice, notarized fee schedule, affidavit of truth, divorce decree, updated identification with current address, copy of updated SSC, and copies on copyrights to name XXXX XXXX and XXXX XXXX, and a copy of faxed and mailed form XXXX to IRS

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 2022-12-08
Company: Omega RMS, LLC
State: LA
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:
The fraudulent company XXXX and XXXX XXXX coaching kept pressuring me to sign up for their coaching. I told their reps that I did not have money to sign up. They promised XXXX on XXXX coaching calls. That a coach would call me weekly. No one ever called. This began XXXX. After waiting for coaches to contact me and they never did, I called to cancel due to them not delivering on promised services. The rep would not cancel after repeated requests to cancel services due to the companys failure to render services as promised. The rep named XXXX tells me I need to pay {$640.00} for services not rendered to cancel. I told her I would not pay money for something I did not use. I hung up after repeatedly asking for cancellation and getting mo where. This companys practices are fraudulent. They have sold this account to a debt company XXXX XXXX claiming I owe {$3200.00}. I do not owe this company or any other company. I have requested a dispute with XXXX twice. They are not doing anything and claiming the information is accurate when it is not accurate. I do not owe this debt with XXXX XXXX. I will retain legal counsel if this matter is not resolved. This is ridiculous! I am not paying this fraudulent debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2022 I opened a checking account with US Bank. I deposited {$4000.00} when I opened the account. I never had a bounced deposit, bounced check or overdraft. 

Approximately mid XX/XX/2022 I was locked out of the online access. That begin a period of repeated calling the customer service phone line, local branches and multiple in person visits to find out why I could not access my account of over {$4000.00} funds still remaining. By early XXXX, I was told my account had been " flagged for fraud '' because I had deposited a monthly check in another state, that my account had been closed and I should receive a check for the balance within a week. That never happened. 

The most disturbing part of this is that US Bank has never once contacted me - no email, no letters or phone calls. I was not allowed to contact the " fraud department ' either - only 'customer fraud XXXX department XXXX who continually said they had no information on my account status. I have been endlessly calling only to be given misleading or flat out incorrect information. I was told repeatedly a balance check had been mailed out in XXXX. I never received the check so they said they would put a 'trace ' on it. This was a lie, no check had ever been mailed out which was finally confirmed this week by a local branch employee. 

How is it legal that a bank can lock your account and not be required to notify the account holder as to why or how to remedy the situation? Are they not required to notify account holders of fraud claims or other problems with the account? Is there so little oversight of banking practices they can freeze funds indefinitely without any due process?

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 2022-04-25
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I contacted the company on XXXX  and explained that I could not continue with payments. 

The representative I spoke with gave me two options. She stated that I could pay off a settlement which is thousands of dollars I do not have ( because I am going through financial difficulties ) or they could cancel my automatic payments which if not paid by the due date would show as delinquent and report to the credit bureaus. 

I asked the representative for a supervisor and he repeated the same thing. The company is preying on those in bad financial situations. They either want to to come up with thousands of dollars to pay off a settlement in 30 days or have your credit harmed due to not being able to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-31
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a savings account through my online citi account. At that time I had 2 credit cards. A bonus was offered to open a savings account and earn XXXX dollars based upon deposit. I put in XXXX dollars and kept for the 60 days and waited another 90 for bonus to be deposited. When my account was 180 days old, I had yet to receive my bonus. I was told I didnt open the right acct, then no code. The offer given to me was online. I used their offer link. I took screenshots that included the entire offer, so they are available, to prove I received the offer and fulfilled it. Now Citi needs to do their part.

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 2022-07-31
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Early in 2021 I decided to use XXXX to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to XXXX. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments. 

In the meantime, after the fairly positive experience, I made several other purchases using XXXX. Their app aggregated the monthly payments of the various transactions I made using XXXX. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase. 

Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If XXXX had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. XXXX did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, XXXX continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well. 

They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
After examining my consumer report, I discovered that unauthorized inquiries still persist. Despite my efforts in communicating with TransUnion and requesting a reinvestigation, the problem remains unresolved to this day. 

XXXX ) Unauthorized Inquiry Creditor : XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Please remove this inquiry from my credit report. 
XXXX ) Unauthorized XXXX XXXX : XXXX Date of XXXX : XX/XX/XXXX Please remove this inquiry from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted NCB management back in XXXX to have this debt resolved and removed off my credit report. NCB management blocked calls from calling their call center for roughly 2 weeks. I still havent been provided with no answers to any of my questions. I asked them to remove this account off my credit report until they complete their investigation. This company is holding me hostage and I explain to them that I was in the process of buying a house. They dont care and they only want to do what they want to do. Its completely sad that this company is just holding me hostage like this. The document that I received from the original owner of the debt show that the application is not even 100 % complete. I have failed 2 police reports so fair and is willing to go farther to fail charges against NCB management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Informed the company of inaccurate, inconsistent and non compliant information being reported to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: IN
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 XXXXXXXX XXXX account # XXXX and XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: LoanCare, LLC
State: NJ
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 fell behind on mortgage payments due to being out on maternity leave and being paid only 65 %. During this period, I also got sick with covid. I had a baby born in XX/XX/XXXX that was born early at XXXX weeks. The baby spent over a month at XXXX. Baby was delivered through XXXX XXXX 

XXXX XXXX does not want to update the credit report even though they were notified I was affected by Covid and tested positive on XX/XX/XXXX. I was unable to get the covid vaccine due to being XXXX  from mid XX/XX/XXXX through my early delivery on XX/XX/XXXX. I was XXXX XXXX  until XX/XX/XXXX and finally got the covid vaccine in XX/XX/XXXX. 

Through XXXX I also suffered from long Covid. I tested positive for covid in XX/XX/XXXX. I was out of work until about the end of XX/XX/XXXX. I briefly returned to work from late XXXX through early XXXX. It was discovered that I had XXXX XXXX, difficulties breathing ( scar on XXXX ). I was out of work on leave from early XX/XX/XXXX through early XX/XX/XXXX. My employer paid me 100 % of my wages during this period.

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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XXXX XXXX here, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation