BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are in Loss mitigation with our lender, XXXX XXXX XXXX. XXXX sent our file to Dovenmuehle mortgage to handle the loss mitigation. 

Dovenmuehle hired a real estate broker far from our suburban XXXX market to do an appraisal, or BPO... Broker 's Personal Opinion. It was a drive-by photograph and some equally far away sales comps that valued our 24 year-old house at {$960000.00}. They refused to do an interior inspection which we requested 3 times. They or some related agency blocked the same appraisal broker from doing the interior inspection after we specifically hired him, stating ( incredibly ) that he could not be objective. 

We then hired a XXXX veteran broker from our own town to do a full inspection, inside and out. His BPO was between {$740000.00} and {$780000.00}. Four recent sales comps that were mysteriously missing in the Dovenmuehle BPO, showed up on our local Brokers BPO, the average of which is {$730000.00}. 

Next, we sent 34 color photos of deficiencies identified by our Broker 's BPO. There has been no response from Dovenmuehle. 

There have been 448 recent customer complaints about Dovenmuehle Mortgage. We don't want to be their next victim, we just want a loan modification based on the true value of our home. 

It is clear to us that we are being mistreated and taken advantage by Dovenmuehle as the mortgage balance is very close to {$960000.00}. 

DOCUMENTS : We can provide all written communication and photos on this matter at your request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Kriya Capital, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had {$25000.00} of federal student loans serviced through EdFinancial. I made {$20000.00} of payments to these loans which EdFinancial correctly states. I refinanced the remaining {$5000.00} of loans through XXXX on XX/XX/23. It has been nearly two months and EdFinancial has not reflected this final payment and has even accrued interest on the amount that should have been paid off. I reached out to XXXX and received proof that they made this payment to EdFinancial on XX/XX/23 and it is attached to this complaint. I reached out to EdFinancial and they only shared me payoff information that I made myself and did not address how the remaining {$5000.00} is not being reflected. This was after a phone call and many emails that were not responded to.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-06
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off one of my two ( 2 ) loans. There is a {$0.00} balance on one loan and an XXXX balance on the other. I am trying to pay off the balance on the other but it keeps trying to attribute a portion of the money I'm trying to pay on the balance to the {$0.00} balance on the loan already paid off so I would be overpaying on a loan that is already at a XXXX dollar balance!!!!!!! 
I am accruing interest BY THE DAY so by not helping me, ED FINANCIAL is cost me more money every single day. I am so so upset that no one will help me.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XXXX XXXX- XX/XX/XXXX Capital One XXXX XXXX- XX/XX/XXXX I have no knowledge of these companies on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had an auto loan a very ling time ago with XXXX XXXX XXXX. The loan went into default & was charged off. It remained on my credit report for 7 years & was then deleted. There was never a collection agency that picked this debt up. Just recently on XX/XX/21, this shows up on my credit report as delinquent & in collections by XXXX XXXX XXXX. I had never heard from these fokks before. I called them & they explained they purchased the debt from XXXX. I advised this was charged off & was already deleted from credit report. They refuse to delete & threatened legal action. I then contacted XXXX. They confirmed they never sold this account to this company. I looked up reviews for XXXX XXXX & I see where they have done this to several others. They dig up old accounts & try to collect on them. They have reported to all 3 credit bureuas and my scores have dropped tremendously. I do not understand how a debt that was deleted from my credit report because it had already been on there 7 years can be added back. Also, I have never ever heard from these people. Seems like a company scheming to get money. I can search for my old credit reports that show the original account. This company needs to show where they purchased this account, show proof they communicated with me, & also show proof of the original creditor. They will not have this info. I need this item rwmoved from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i purchased a car in XX/XX/2021 through enterprise car sales. Financing was also through them using Santander. XXXX messed up the paperwork for title, tag and registration resulting in the purchased car to be parked until its fixed. After a DMV inspector had to step in, he found XXXX  at fault for everything. XXXX has said they are working to resolve the issue. I paid my first 2 monthly santander loan payments before stopping because Its like I dont even own the car die to XXXX  mistakes. Now Santander is threatening repossessing if I cant bring the account current. They call at all hours of the day and have asked me to go borrow money from a family member or friend for payment. I have been hit with every fee they can possibly stick to me. I believe that Santander issued the loan knowing that default would be likely. Its almost XXXX and I still cant use the car due to XXXX XXXX XXXX and Santander doesnt care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: RFNA, LP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a loan from Republic Finance. After receiving the loan the female that was working there told me she had put copies of all the documents in the envelope. but when I got home there was nothing but blank documents. I eneded up having to file a formal complaint against the company, and when I received copies of the documents I found that my initials had been forged stating that I wanted insurance, and after filing another formal complaint the company paid the XXXX dollars, I believe that was the amount, back to me. I have paid XXXX dollars for years now, always on time. In XXXX I paid on time, but I only paid XXXX dollars, instead of the XXXX. In XXXX I paid XXXX dollars, on time, but it was lacking XXXX dollars. They asked when I would be able to pay the XXXX and I told them the XXXX week of XXXX when I received my social security check. When I received my check, my electric bill was extremely high, so I couldn't pay them. Now that another bill had been paid off I told them I would pay them the XXXX dollars on XXXX XX/XX/2023. I asked them not to call me again, but they have been calling me everyday. The next thing I hear is that they called my brother in Mississippi who is suffering from a XXXX XXXX and parkinsons, and he is much older than I am. asking if he knew where I was, because I owe them XXXX dollars when they know exactly where I am, because they call me every day. They threatened to put it on my credit report, all for XXXX dollars. They said XXXX because I was late, and I wasn't late, I just didn't pay the full amount. This company is ruthless, using underhanded tactics and rudeness, and trying to scare senior citizens. If this is the way they felt, shouldn't they have sent a letter? I am a senior citizen, a XXXX XXXX, and have a credit rating of almost XXXX, and you don't get that by not paying your bills. They have me owing over XXXX dollars, but if you look at my credit report it shows that I only owe XXXX dollars. This is a ruthless company, and the only way the credit bureau can get that information is, it's reported by the company. There should be an investigation into this company and the underhanded things they're doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EdFinancial Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am assisting my dad with managing his Parent Plus Loan that he took out for me and my sibling 's XXXX degrees more than 10 years ago. 

My dad 's loan was transferred to EdFinancial Services over the summer. I was able to log into our account as of last week ( XX/XX/XXXX - XXXX, 2023 ) to check how much the repayment will be and when it will be due. We saw that the payment will be {$58.00} and due on XX/XX/XXXX. 

As of yesterday, XX/XX/XXXX, we can not access our account on EdFinancial Services. We entered in our information as usual, but it says our account can not be located and the information doesn't match what they have on file. 

Our account is now XXXX. 

I have tried calling their number to speak to someone but the wait time on XX/XX/XXXX was 159 minutes and the wait time today ( XX/XX/XXXX ) is 110 minutes. I have requested a call back from them but they have not called me back. 

I tried using their virtual chat agent service, but that service is also not available right now. 

I tried calling their number to just make a payment over the phone, which they advertise you are supposed to be able to do 24/7, but it doesn't give you the option to make a payment when you call. It just forces you to wait. 

Their negligence is causing student borrowers to miss payments.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-18
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Quicken Loans took 8m to close out my mortgage re-fi bc the Feds dropped the interests rates during the pandemic and everyone was re-fi-ing. Their loan originator, XXXX XXXX XXXX, pulled my credit 6 times from XX/XX/2020 to XX/XX/2020 with the 7th one coming from Quicken Loans in XXXX. I was told it would not have an affect on my credit but all remain on my credit report and 4 of my 5 credit inquiries in the last 2 years are from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: I.C. System, Inc.
State: TX
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: DISCOVER BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed by someone by XXXX, I contacted the discover Bank. They couldn't help. They suppose to help and I want my {$600.00} back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX  my property at XXXX XXXX XXXX, XXXX, MA was refinanced with Citizens Bank for a traditional mortgage in the amount of {$86000.00}. At the time I had two loans with Citizens, a home equity loan and a home equity line of credit. Both were paid off at the closing on XXXX XXXX, 2012. In the process of applying for a new home equity line of credit with a local bank a title search was done. The title search shows that two loans ( one home equity loan and one home equity line of credit ) which were paid of in XX/XX/XXXX  were never discharged by Citizens Bank. 

This has created a delay in the process of obtaining a new home equity line of credit and is impacting my family because part of the new home equity loan was meant to be gifted to a family member to use as a down payment on the purchase of a new home. Because of this issue everything is on hold at this time. 

I found out about this problem on Tuesday, XX/XX/XXXX, and I have since reached out to Citizens Bank multiple times. I have spoken with several people. I met with the local branch manager ( Greenfield, XXXX ) who helped as much as she could. My issue has been " escalated '' and I am supposed to hear from someone in the next few days, but I am running out of time. This needs to be resolved quickly. 

I have two reference numbers that might be helpful - a case # XXXX and a Customer Care ID XXXX. I can be reached at XXXX or through email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: MN
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
After a hospital stay in XXXX of XXXX I set upon getting affairs in order. 
I spoke with Capital One Customer Service as to what lane I should be in to expedite the deposit of four ( 4 ) Cashiers Chks issued to Me by Capital One all on the same day and sequential numbers, i.e. last three digits being : XXXX. 
They suggested I send each to XXXX XXXX, Mn. The next day i sent # XXXX by usps registered mail and it was posted to my acct within 5days. I repeated that with # XXXX with the same result. Good When I sent # XXXX, it didn't post in 5 nor 7 mor 10days, so I called customer service Several times and informed them it had been signed for by them. It was finally posted on XX/XX/XXXX then Reversed on XX/XX/XXXX. I called cus. ser and nobody knew why. # XXXX is returned to me by Regular mail and marked as " Altered/Fictitious!! Again I call c.s and after arguing with 2 phone reps, I get one woman who says '' Oh, I see what the problem is ''. I'm relieved, but not for long. This woman XXXX instructs me to resend # XXXX as well as my 4th and final check # XXXX, which I did the next day by again, Registered mail. While I'm waiting to see both of these posted to my acct, an overnight XXXX  envelope is handed to me with both checks in side with note telling me Not to try depositing again. 
I am at my wits end with these people ( capital one ) These are 4 Separate Cashiers Checks issued by them/ to me on XX/XX/XXXX ( yes XXXX ). I sent these back separate in case something happened in transit ( mail ). The one lady ( XXXX ) saw the problem as # XXXX & # XXXX being the same amount {$7100.00} even though they are Separate checks. XXXX assured me she would make a note on my account to alleviate any issues when i mailed them back Again on XXXX XXXX. XX/XX/XXXX they were returned to me by XXXX. 
This ongoing back & forth along with being accused of " Altering '' or Rendering a fictitious instrument is not doing anything to help my XXXX XXXX. 
Respectively, XXXX XXXX. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: MI
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:
For over a year I have submitted dispute letters to Experian Credit Reporting Agency to verify and remove several incorrect items from my credit report. The items were never verified by my signature on any of the account in question. As a result my credit score has suffered and I have been denied credit, which added negative " Inquires '' to my credit profile. It has been a negative chain reaction as a result of the neglectful investigation policies of Experian.

It is my understanding that Experian uses a computer authentication process, which clearly has flaws and is again negatively affecting my score. The accounts and inquiries below should all be removed from my Experian report for failure to produce an adequate signature from the debt collector. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX ( Never Late Company had a {$250.00} Deposit ) XXXX ( Inquiry ) Denied Credit XXXX XXXX ( Address Removal Have not Lived there in over 30 Years ) XXXX XXXX XXXX XXXX ( Add to Personal Statement section ; Owned for 24 years ) If Experian can make these corrections I will not seek legal recourse. 

Thank you 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 2021-09-22
Company: EQUIFAX, INC.
State: MN
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 XX/XX/2021 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation