BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My hazard insurance for this property expires XXXX XX/XX/2018 and of course, my premium has increased so I am in the market for another company to service this requirement. Sometime in XXXX I called Freedom Mortgage, the mortgager, and gave them this information : do not pay the current insurance bill since I am actively pursuing quotes from other companies. I do have a quote I intend to accept but I am awaiting results of a wind mitigation inspection I decided to purchase in hopes of reducing my premiums even more. I went online to my mortgage account today to let Freedom Mortgage know that a new policy was forthcoming. However, it seems this mortgage company has disregarded my request to withhold payment to current insurance company and paid them the increased insurance premium. Now I will have to pay the new insurance out of pocket which is what I wanted to avoid. I know I should get the paid amount refunded but that could take weeks and I am on a strict budget. Freedom Mortgage has been an absolutely horrible company since day 1 when my original mortgage was sold to this organization. WHY don't consumers have the right to select their own mortgage company? Because Freedom Mortgage would surely go out of business as I know many other veteran homeowners who are as frustrated with them as I am. While writing this I am on hold with Freedom Mortgage waiting for customer support. The recorded message claims they are handling calls from hurricane affected people but the hurricane is still active. I can see an insurance company being overloaded with calls but a mortgage company? This early in a hurricane? Come on! You are supposed to be a consumer protection agency yet NOTHING is done about Freedom Mortgage from what I can tell. They should in the very least be barred from providing, administering and servicing VA Home 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 2023-07-11
Company: LEXISNEXIS
State: GA
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:
I have notified Lexis Nexis several times in writing and XXXX the telephone about this matter they are lying they are a big liar I don't have any bankruptcy I have disputed items that's on my credit report there's names that's on my credit report that does not belong to me there's so security number that's on my credit report that does not belong to me and there's address that on my credit report that does not belong to me and I have contacted Lexis Nexis several times about this matter When Lexis Nexis advise saying they contact me through email that's not correct at all never received a respond from Lexis nexis at all not from no email those are lies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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:
In the midst of the pandemic in XXXX, we returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. 

We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XX/XX/XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. 

We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. 

We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, received debt collect email for {$510.00} from Columbia Debt Recovery llc dbz Genesis for XXXX which is over parkway lofts apartments. This amount was a false move out fee which was already disputed with the apartments years ago. In fact they still have a {$500.00} deposit which we never got back which is supposed to go to fees like the one they made anyway, but again the move out charge was already disputed and the apartment could not even prove the charge just sent random photos of a clean apartment. 
Even just taking a look at the XXXX pages for Genesis, and XXXX there are thousands of complaints of fraud and people having to take them to court every year. Also hundreds of reviews on XXXX how the Genesis employees verbally abuse and harass people. After multiple calls with Genesis who even they saw that the {$500.00} deposit money is on the lease and we never saw any of it, they keep saying they tried to call XXXX over and over but never get a response back. This has made a negative report on our credit scores for a false charge as well as our security deposit money being withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 I was scammed by a person from XXXX for a digital asset. Upon paying the user, she stated that the payment was pending which isnt true because it left my bank account. Upon requesting my {$100.00} back, she blocked me on the platform making me unable to obtain the assets that I paid for. 

The platform the conversation is on is XXXX XXXX XXXX XXXX XXXX XXXX and the money was sent via Paypal ( Transaction ID : ) I reached out to paypal, and they stated that they were unable to open a dispute because she forced me to send it friends and family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Collection agency XXXX XXXX is appearing on my credit report. They are alleging I owe XXXX  XXXX XXXX XXXX {$150.00} but I have proof directly from the company that there is a {$0.00} balance on my account and no bills are owed at this time. 

I informed Trans Union to whom I pay for their credit monitoring services that I was unable to upload my supporting documentation and the only recourse they had was to initiate a dispute. The address and telephone number for XXXX XXXX was not listed on my credit report, neither was the alleged original date of delinquency.

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 2023-03-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Genesis Credit Management XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX The named agency above is reporting a collection account to my credit account for the original creditor XXXX XXXX at XXXX. I contacted XXXX XXXX at XXXX with proof that I had to XXXX XXXX XXXX XXXX  to XXXX XXXXXXXX and also provided documentation from a legal advocate at the XXXX XXXXXXXX shelter I resided in, however the debt was still sent out for collection which goes against the XXXX XXXX XXXX which states victims of XXXX XXXXXXXX are not liable for debt incurred due to fleeing XXXX XXXXXXXX. I then also provided that same documentation several times to the collection agency I am writing this formal complaint against. I sent notice that they were violating my FCRA rights by reporting a debt that I was not legally liable for being a victim of XXXX. I also sent in the same documentation to support my facts ; however, the company Genesis Credit Management is still reporting this account as a collection illegally even after several notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My brother-in-law, XXXX XXXX XXXX, passed away on XX/XX/XXXX. I was named and accepted the responsibility of serving as Successor Trustee for the revocable trust XXXX set up for his XXXX XXXX surviving child, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revocable Trust ). XXXX had a savings and checking account with Santander Bank set up under the name of the trust. I submitted a request for the funds as the successor trustee on XX/XX/XXXX. Santander Bank has refused me access to those funds saying that a prior trust account exists on their record. They have refused to provide me with any other information to help me straighten this out and have refused to provide me with any formal response regarding my request. I was told on XX/XX/XXXX that a written response from their legal team would be forthcoming but nothing has ever come. Their representative, XXXX XXXX, has provided no help or advice, has been unresponsive to requests for a formal written decision regarding the matter and has shown no concern for the fact that these monies are needed for the care of a now parentless XXXX XXXX  child. He has given me the run around time after time. This despite the fact that we agree on the following facts : 1. The accounts are titled XXXX XXXX XXXX XXXX XXXX XXXX. I am the legally established Successor Trustee for the XXXX XXXX XXXX XXXX Revocable Trust and have submitted all necessary documentation to support that 3. Although the checking account in question was set up in XXXX the savings account was set up in XXXX, after the existence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that their records show the existence of a prior trust in XXXX but will not provide any information regarding it. This is hard to believe as my sisters death in XXXX prompted the arrangement for a trust in the first place. Also, there is no one else connected to the family who could possibly be a successor. XXXX was estranged from his sister in Florida for many years and I know for a fact that his brother in California, my two sisters and brother are not named. There is no other related or interested party, period. Who Mr. XXXX intends to turn this money over to is a mystery to me and he refuses to help despite the needs of the surviving child.

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: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified public record listed below is still present in my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : 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 2023-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On two separate occasions ( XXXX XXXX XXXX ), there have been attempts to open checking accounts in my name with Bank of America. It is impossible to get a hold of Bank of America through their automated phone numbers because you have to have an account number with them to proceed, which as evidenced by the denied emails I don't. 

Once I finally got a hold of a person no one was able to verify if anything had gone through and honestly I don't blame the person on the phone, but the fact that this company can not based on my information confirm or deny fraudulent accounts being opened with my identity is very concerning. 

I do not think Bank of America should be allowed to let people open accounts without some form of verification.

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 2020-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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 have been asking Porfolio Recovery Associates, LLC for validation of an account l noticed on my credit report and they have failed to do so. I have responses telling me that the account is valid along with attached documents, but nothing is showing this is my account. They are not sending me anything to validate my account. My first response was XX/XX/2019, which is over the 30 days given for validation. 

my account number is : XXXX Seller : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX. 
Current Creditor : Portofolio Recovery Associates LLC Balance :  {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Last XXXX, XXXX, I updated my address with this evil and predatory company you allow to also service federal loans. AGAIN last month I did it, but as you can see in our " chat '' they pretend they can not see it. The chat agent asked me to send her personal information in a chat, despite the fact that I was told NOT TO SEND PERSONAL INFORMATION. Tonight my credit card company informed me I have a negative rating on something. I logged on to see. I have almost an XXXX credit score. I have JUST PAID THIS LOAN IN FULL, but it is not posting yet. I logged on and I see that EVERY MONTH they are reporting me as " skipped, can not contact. '' THEY ABSOLUTELY CAN CONTACT ME because 1 ) my address has been correct this whole time and it's NOT MY FAULT they can't see it? Seriously? You need to investigate them. 2 ) I have E-STATEMENTS, and my emails come through fine and I have been communication during this whole time. Also, it should be noted, I have been AHEAD on payments for months, if not longer, though they charge DAILY interest and my 10 year loan become 20 " suddenly '' which is why they can't " see '' my address I am sure. They won't even respond to you. This is my THIRD complaint to you for THREE DIFFERENT REASONS and the first one replied only to say " they are working on it. '' You need to stop giving these predators a pass. They are conning the CFPB too. Even though I paid the loan IN FULL I plan to pursue further action to get a refund of the MASSIVE overpayment. But I was advised to do this. NOW THEY HAVE LIED ON MY CREDIT REPORT CAUSING A NEGATIVE RATING DESPITE THE CORRECT ADDRESS BEING SHOWN ON MY ACCOUNT. I have told them for months I can not update my address because I do not have ANOTHER ONE TO MAKE UP FOR THEM. The correct one is there already! 

They even harassed my friends to find the address they had all along, and my friends though maybe I did not pay my bills on time. They caused me great humiliation, pain and suffering FOR BEING AHEAD ON MY PAYMENTS AND BEING RESPONSIBLE ENOUGH TO PAY AND ALSO UPDATE MY INFORMATION. 

You will also note that the most recent account letter in my inbox online requesting recent contact info has my ACTUAL REAL UPDATED ADDRESS ON IT! I am being PUNISHED in real ways by their INCOMPETENCE! I can not " find '' another address. That IS my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: PR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX XXXX XXXX, PR XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$27.00}, XXXX OF XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
3/16/22-Purchased a Serve Prepaid Visa Card from XXXX # XXXX. The card was not activated in store, however the payment was taken. 

XXXXSent a fax to XXXX with requested information ( card package, activation receipt, drivers license, picture of the card, mailing address, phone number ). This is shown in " Incomm_Fax.png '' and " Serve Activation.docx ''. 

XXXXFollowed up over phone, was told to follow up over email through XXXX. I have not received a reply since. This is shown in " Incomm_email.png '' XXXXFollowed up over phone. Was given the same options and since those have been exhausted, the rep said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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