BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our experience, like many other Dovenmuehle consumers who are widely complaining about the company on internet review sites, started with Dovenmuehle purchasing our mortgage. 

We did not choose to do business with this company, but were forced into a business relationship with them. They immediately got our monthly payment amount wrong in the first month of purchasing the mortgage XX/XX/XXXX. It required a dozen phone calls to get the corrected payment amount recorded on our statements. Due to their error of sending the wrong initial payment amount, our first couple of payments were not being applied to the mortgage, but sitting in an escrow hold. When we identified the problem of the billing amount being wrong, they corrected the problem but still charged us a late fee for our payment made in the incorrect amount, even though it was made on time. This late fee was ultimately removed after several phone calls. 

Fast forward over a year later to XX/XX/XXXX, we made our monthly payment via our bank 's bill pay, but accidentally switched 2 digits while typing in the payment amount. This typocreated a short payment amount which we immediately corrected once we were notified. We apologized for the honest typographical error and made the necessary payment to correct the payment shortfall. The resulting {$92.00} fee was not removed because we were told that " Dovenmuehle has a ONE-TIME courtesy late fee waiver policy over the LIFETIME of the loan. '' We appealed that the payment was NOT late or delinquent, but sent in the incorrect amount due to an obvious typo resulting from switching 2 digits while typing the amount into an electronic bill pay system with our bank. Their answer was too bad, the fee is valid.

I have never worked with a company with such complete disregard for their customers. There exists a huge list of complaints online with situations very similar to ours. This is evidence that they continue to treat consumers poorly and continue to get away with it. THIS MUST  STOP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started contacting Transunion XX/XX/2019. I have provided proof from the US Dept of education and letters from the creditor as well and they still refuse to correct the information. I have two student loans with the US dept of education 1 for {$22000.00} and 2 for {$21000.00}. Transunion is reporting 3 loans 1. {$22000.00} 2. {$21000.00} 3. $ {$43000.00}. I have never had a loan for {$43000.00}. So they have been overstating my loans for over two years. They also list them as included in chapter 7 bankruptcy. I sent them letter directly from the lender stating that student loans can not be included in bankruptcy and that mine are not included in the bankruptcy. yet they refuse to verify or correct the inaccurate information. This has made my credit score lower and I have to pay higher percent on every type of credit i get just because of them.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/22 at XXXX I called Equifax and spoke with agent ID XXXX XXXX for approximately 1hr and a half hours. I seen that Equifax admitted to a data breach so i was wondering and having concerns on how such thing could have happened. So I read Equifax Data sharing policy ( Exhibit A ) and per there policy I requested consent documents from there initial investigation, Per there policy upon a specific Inquiry or concern by me the consumer, on a XXXX XXXX and a XXXX account being furnished on my consumer report. Agent ID XXXX XXXX was deceptive, untruthfully, and discriminative, towards me and refused my request. I was then transferred to XXXX agent ID XXXX who was also very deceptive, fraudulent and untruthful. I was discriminated against. I requested consent documents per there data sharing policy and was told he would not provide such documents and I asked why and was told he would not provide said documents. I asked who do i have to speak with to request said documents and was told he would not provide said requested consent documents per Equifax Data Sharing Policy ( Exhibit A ). I then asked does this policy not refer to me as well or does it apply to other people, and i was told he would not honor my request and hung up on me. I called back and spoke with XXXX agent ID XXXX and repeated my request and was hung up on again. I was humiliated, discriminated upon and denied the same liberty that others have under there policy. As i called back again and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Violations 1. Down Payment +Pursuant to 15 USC 1605 ( a ) Thefinance chargedoes not include charges of a type payable in a comparable CASH transaction. 
A down payment was advertised in order to extend credit. 

2. Unlawful Repossession 1. Extension Posted XX/XX/XXXX 2. Payment made on XX/XX/XXXX in the amount of {$270.00} REF : XXXX XXXX. Repossession Expenses {$420.00} incurred on XX/XX/XXXX. 
4. Repossession occurred after payment which means account not in default 5. I spoke with a rep who admitted she wasn't sure why it happened if I made a payment but, didn't fix the problem and refused to help me resolve the issue. 


3. Violations During Repossession 1. Breach of Peace incurred. Vehicle repossession from Private & GATED community. There is no PUBLIC access where the repossession occurred. Repossession company was not granted access to the secured area. 
2. Violation in pursuant with Universal Commercial Code that secured lenders also breach the peace if they : ( 1 ) repossess the collateral despite the consumers objections ; or ( 2 ) TRESPASS in order to gain possession of the collateral. 

4. Repossession Expenses 3. On XX/XX/XXXX Payment was made in the amount of {$2000.00} ( REF XXXX ). I instructed rep to apply it to repossession expenses. Rep did not apply it to expenses and instead towards monthly payments. 
+ In Pursuant to 15 USC 1692 ( h ) shall apply such payment in accordance with theconsumers directions. 

5. I've also asked on many occasions to produce the paperwork however, representatives frequently transfer me to incorrect departments and refuse to provide me with information that I have a right to receive.

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 2020-10-09
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I logged online to Citibank Diamond Card. I have a been a long time customer of this company since XXXX. When the pandemic started the company lowered our credit limit to right above what was owed on the credit card. This affected our credit score because it was showing that my credit card utilization was at 97-98 %. We struggled when Covid hit, to make payments. We reached out to the company and made payment arrangements. The latest a payment had been was 60 days late. We brought the account current and made payment arrangements and took advantage of the assistance being offered. When the last payment arrangement was made on XX/XX/XXXX everything looked good. On XX/XX/XXXX the company closed our account without our knowledge. We still not received any notification. Citi Bank confirmed our mailing address. We still have not received notification for the limit decrease or notification of cancellation. Our credit cards happened to expire on XX/XX/XXXX and no new credit cards had been mailed out or issued in their system. I believe they had planned to cancel the card prior to XX/XX/XXXX since no new cards had been issued. We also paid for additional services on this credit card. This protection was supposed to help with any type of job loss etc and assist with payments or debt forgivness. We paid for this service for 11 years and they were unwilling to assist us even after we called and let them know it was due to job loss. I reached customer service by telephone and after many painful conversations with the intial customer service reps, I finally was transferred to a supervisor. Let me just say its absurd how rude these intital customer service reps are who answer the phone calls. They were insulting and rude customer service people unwilling to help and told me I had to wait for my letter for reason of cancellation before they could assist me. I find this completely rude and unprofessional and were unwilling to help. I had one customer service person who refused to transfer me to a supervisor and said my husband must be on the phone with me prior to transferring the phone call only to wait another 30 min for a supervisor. I still do not have an answer for the reason my card was canceled. I cant believe that this company is so unforgiving at the time of a major pandemic, resulting in a ruined credit score that will take years to repair.

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 2019-02-17
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made agree ment with XXXX XXXX in XXXX, nc I bought a house in another state, we agree that I will pay XXXX.rent and they will rent the apartment in XX/XX/XXXX, three months later I get a letter from a collection agency telling me I owe XXXX dollars 3 months of rent, the manager agree to the terms.that I can get out of lease, but I will not get my deposit back

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX I received an alert stating Penn credit Corp has reported a potentially negative item on my  XXXX credit report. 

On XXXX/XXXX/XXXX I placed a call to Penn Credit Corp and the representative was not able to locate any information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Santander Consumer USA Holdings Inc.
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX XXXX in XXXX of last year ( XXXX ) due to my other car being totaled in water damage. At the time I was able to manage the payment but as time progressed on my funds became limited and I could not afford that high of a car payment and still take care of my family. I eventually started making payments, not full payments. But payments to the point it would look like I was trying to work the balance down. A few months later I decided to try and get out of the car because it was to high of a payment for the size car and had and I was not satisfied with it. Did n't feel comfortable paying for a car that was n't suiting me and my family. 
I contact Chrysler Capital and told them I wanted to do a voluntary repossession because I was unable to maintain the car payments at that time. This was in XX/XX/XXXX. They at that point decided to tell me they could put my current balance due on the end of my loan to help me get caught up and be current on the loan. But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle by XX/XX/XXXX and I would be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. 
What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I new that I had a balance left that was roughly {$800.00}. Which was about a payment and XXXX behind. I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was {$470.00}. When they sold the car in XXXX the balance left was {$8600.00}. Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Spring Oaks Capital, LLC
State: VA
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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have late missed/late payments on my credit report from XXXX, XXXX, and XXXX of 2018 that were reported by Selene Finance. I have NEVER once been late or missed a payment. I have contacted Selene Finance by phone, certified letter via USPS, and email to get this issue resolved, yet my problem remains. I initially contacted them in XXXX of this year in attempt to get them to correct the issue. These late payments are hurting my credit worthiness in a drastic manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company has been leaving me voicemails treating to sue and have criminal charges brought against me. 

They are trying to collect on debt that i received a XXXX from, which is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed this judgement with Experian for the longest time now, and Experian is doing everything in their power to keep this account on my credit report, experian is no longer supposed to be reporting judgements, tax lien, or public records, and they still are, they are in violation of the fcra 15 U.S. 1692e misrepresenting a judgement that is public records as a collection item to falsely keep it on my credit report, I have the judgement, and they have the judgement in hand, and has not corrected the information and delete the item, they have confirmed over the phone they have the judgement, but are still non Compliant with correcting the information, they can and will be sued just for that, I have also contacted the courts that handled the eviction, and asked them if they are reporting public records to the credit bureaus, they said no, XXXX XXXX XXXX XXXX is the law firm XXXX XXXX hired to represent them int he eviction process, they are not a creditor or collection agency, they are a land XXXX XXXX XXXX XXXX misrepresenting the debt with a fake account number, which is illegal, and Experian is well aware of this, I will not accept an automated response from experian, but a letter stating the judgement has been deleted from my credit file, if not experian will be sued in federal court for fcra violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX amount of XXXX XXXX   original debt was for XXXX XXXX I and currently an XXXX insured driver with no late balance XXXX XXXX has never sent me and mail saying why I owe I also went through there website filling out proof of being in good standing with XXXX and never heard back .XXXX hosptial XXXX XXXX XXXX XXXXHave not received any call or letters for this debt!Portfolio recovery associates XXXX XXXX XXXX amount of XXXX no contact by mail or phone account is old and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Checkr, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, XXXX placed a block on my account to prevent me from driving. They stated they needed me to process a new background check. Upon providing permission to XXXX to conduct my criminal and driving background checks, I was informed that I would be reinstated once the check was completed, a process according to XXXX, that would take 1 to 2 business days. 

I have also applied to drive with XXXX on approximately XX/XX/2021. XXXX has also delayed my background check. 

Both companies use Checkr as a vendor for background checks. Checkr continues to say my background check will take a week. Each week they extend their estimated completion date. As of today, on the XXXX platform, Checkr promises a XX/XX/2021 completion date ; Checkr promises that my XXXX report will publish XX/XX/2021. 

I have lost approximately {$8000.00} minimally in earnings during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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: Was not notified of investigation status or results

Complaint:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # 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