BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XX/XX/2022, Freedom Mortgage Company sent a pay off statement to my Title Company which included my XXXX XX/XX/2022 balance. When forwarding the document over they failed to disclosed that if we did not close prior to XXXX XX/XX/2022, the account would be updated with a 30 day past due notice. They were advised on the intent to close on XXXX XX/XX/2022. On XXXX XX/XX/2022 the account was paid in full, however the company reported the account 30 days delinquent. During the closing of the loan, Freedom mortgage made no attempts to contact myself or the Title Company with questions about a " late payment '' or made any indication that a XXXX XX/XX/2022 date would present any issues. 

The company has a history of being misleading customers and mishandling their funds. In XX/XX/2022, the company used my escrow funds and paid property taxes for another parcel. As a result they charged me an additional {$500.00} a month for the month of XXXX, XXXX and XXXX to cover their mistake and mismanagement. In XX/XX/2022, I received the estimated property taxes for the following year and realized my escrow was incorrect. It was not until I called the company that they admitted to their mistake readjusted my payments and refunded the balance on my escrow. 

This company is not here to support veterans and quite often takes advantage of them. On a XXXX  page for officers, there was another veteran who experienced the same situation in regards to her property taxes. This needs to be investigated thoroughly, as they should not be allowed to take advantage of our VA benefits.

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 2020-10-07
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Carvana Group, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX VIN # XXXX - Carvana Stock # XXXX delivered XX/XX/2021 within 12 hours or XXXX EST a 12inch engine oil puddle has appeared under the vehicle and continues dripping oil. I crawl under for a closer look and discover damage to radiator, front end body panels, paint oversprays and masking tape residue in several sections. Local foreign auto shop replaces engine oil, filter and drain plug w/ gasket as both are necessary. Within the hour the oil leak has returned. Coupled with the obvious front end damage and botched paint job the auto shop specialist opined a potentially serious and costly problem with this vehicle. 

By this time on XX/XX/2021 Carvana has already reached into my XXXX account via the XXXX financial app and removed the {$24000.00}. This action was not authorized by me and contradicts several employee 's testimony and quoted text available at the Carvana website about dispersal of funds. ( see text below ) " What does Carvana use XXXX for? Carvana uses XXXX as a method of funds verification, income verification, employment verification, and address verification. The XXXX connection is encrypted and secure. Connecting a financial institution via XXXX does NOT give Carvana ( or anyone else ) access to your accounts. You are always in control and can manage Carvana 's XXXX connection on our website or the XXXX XXXX '' I attempted to move on with an alternate vehicle and realized Carvana doesn't deserve my trust or business and attempted to sever ties and collect the amount Caravana removed from my account. Today XX/XX/2021 is day 8 of multiple failed attempts to schedule a pickup date/time for the XXXX XXXX and any acknowledgement of refunding the {$24000.00} owed back to me. Now needed for payment of the alternate vehicle I'm moving forward with and Carvana has tied up funding. I'm embarrassed for allowing such a pitiful business model to lure me into this no-win scenario process. Carvana has taken over 14 days of personal and professional time away from me, my family and clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have continuously tried to resolve certain issues on my credit reports from all  XXXX  major credit reporting agencys. I have recently applied for credit and was denied. was not contacted at all by these  XXXX  agencys lettening me know there were possibly something negative in my reports and giving me a chance to respond or to investigate. The  XXXX  credit reporting agency 's just went ahead and gave the business inquiring into the credit the reports.

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 2022-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.

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 2018-03-22
Company: Hammerman & Hultgren, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hammerman & Hultgren had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to dispute with collection agency. Information on all 3 Credit Reports does not match. Date on XXXX is XX/XX/XXXX, XXXX ; no info and XXXX ; XX/XX/XXXX. XXXX shows placed for collection, while XXXX and XXXX don't show any info. 
Date last active on XXXX shows XX/XX/XXXX, XXXX no info and XXXX XX/XX/XXXX. How can there be a 2 year gap between 2 bureaus and no info for XXXX. I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately. As it has a detrimental effect on my credit and due to the fact it is not reported accurately, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I wrote Transunion to update information that is reflected under my social security number. This letter was received on XXXX, 2021 via USPS signature mail receipt attached. Transunion is reporting XXXX Account XXXX and XXXX XXXX Account XXXX incorrectly. These two account should be reported as PAID. 
Transunion has failed to respond to my letter within 30 days. 

XXXX Account XXXX Account Status should reflect PAID update or delete immediately Comments should reflect PAID update or delete immediately Payment Status should reflect Current update or delete immediately XXXXXXXX XXXX XXXXXXXX Account Status should reflect PAID update or delete immediately Comments should reflect PAID update or delete immediately Payment Status should reflect Current update or delete immediately

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 2018-06-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I setup a transfer of {$50.00} to my niece in Illinois for her birthday. For some reason, she was having issues picking up the money and let me know. I called MoneyGram for an answer. I was told the the transaction was cancelled by MoneyGram ; however, no reason was given. I've sent her money before with no issues, but for some reason that transaction was flagged, but the representative couldn't explain why. I asked for a supervisor and was told the same thing. I now have to wait 3 to 10 business days for them to send my money back to my bank account. I wanted an explanation why they took my money, cancelled the transaction and now I have to wait so long to get my money back. Neither rep could explain except to repeat that MoneyGram is an international money transfer company that reviews transactions and flags them for cancellation. I still do not know why it was cancelled as I've sent her money before, we have the same last name and it was only {$50.00}. And I really don't understand why I have to wait 3 to 10 business days for my money when it didn't take that long for them to take my money for the transfer. I am highly disappointed, frustrated and upset and will never use this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Ally is incompetent at every level. I paid {$80.00} for them to register my car. They said register it yourself out of frustration I did. I never got that money back. I had to go to the DMV 6 times due to wrong info from them. My daughter is in the  XXXX  and added undo stress. Because of their error it took 2 months to process. Now when I call it says they are trying to collect a debt. I have received a letter from them thanking me for financing it. I was also told by my processor a check was sent. Now when I call to add it to my online profile to pay it I keep getting bounced around. I just want to pay my bill! Ally 's lease department sends me to finance and finance sends me back to lease! Please I just want to spend my time with my daughter instead of dealing with this nonsense!

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 monetary relief
Consumer complaint received 2017-06-03
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni, Inc, keeps sending me collection notices saying that I owe them {$520.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Afni, Inc, keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Afni, Inc for a contract with my signature obligating me to this debt which they have not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: SELLING SOURCE, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
They say they ca n't identify me I am who I say I am some one is using my information and ruined my credit perminantly bills etc in my name!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has repeatedly called over and over again but its never a real person- just an automated system. They have been calling every day while I 'm at work for months now. I have asked several times for them to stop calling me but they refuse. They are jeopardizing my job by the repeated harassing phone calls. I do not even owe the debt they claim I do- I have disputed it and have no record/knowledge of me ever owing anything. When they call and write letters they even threaten to sue me without providing any proper documentation. I disputed the debt and asked for proof- they sent an old lease that was not proof of any debt and did not include images, documentation, receipts, or anything stating that I owed the debt. It also did not have any validating signatures. I have even called and left voicemails several times and have not once received a call back. They also put it on my credit report after I disputed it and keep changing the balance. Its at least every month they go on and change the balance they claim I owe without sending any further documentation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our original loan was with Everbank, who then sold the loan to " XXXX '' and the loan is administered via " XXXX ''. <P/>
Our loan was set-up always to escrow for taxes and insurance with direct pays to the taxing authority.
<P/>
We received a " Notice of Tax Delinquency '' from the County of XXXX XXXX  for a installment payment that was not paid by our loan administrator and a penalty was also assessed. <P/> XXXX  was notified by us immediately and it has been over a week and they still can not or will not tell us when the overdue tax bill will be paid from our escrow account and that they will pay the penalty.
<P/>
They were also unwilling to send us a letter of explanation on what is going on with this after they had over 1 week to resolve this ; we are in a state of uncertainty now with other financing activities potentially at risk due to this delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Banking with Citibank on XX/XX/22 Citibank blocked account after direct deposit was received. I contacted Citibank to find out why account was blocked they said they closed account upon review and would not provide me with any information why account is being closed Citibank stated they will send a letter stating why account was closed and check with funds in the account will be sent to the address on file within 60 days. I received the letter stating account was close based on their terms and conditions policy client manual- consumer accounts which states Citibank can close any account with no notice or reason. Did not receive check in 60 days contact Citibank on XX/XX/22 to find out why I did not receive funds yet and the representative stated they can not provide me any information funds will be sent to address on file and hung up on me.

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 monetary relief
Consumer complaint received 2020-03-02
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my 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 2017-06-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased a {$100.00}   XXXX   XXXX    XXXX  gift card on  XXXX   XXXX ,   XXXX   and  XXXX  {$100.00}  XXXX     digital  gift cards on  XXXX   XXXX ,   XXXX   fro m PayPal Digital G ifts on  XXXX . When I tried to use these gift cards in  XXXX    XXXX  , I found that the  XXXX  digital gift cards had no value in them anymore. Numerous people have reported similar issues wit h PayPal Digital Gifts. I  contacted  PayPal Digital Gifts re garding the issue in  XXXX    XXXX   and then received a call telling me they would look into it. However, I 've never heard back from them since. I tried to conta ct PayPal Digital  Gifts again but received no response. Therefore, I 'm seeking aid from CFPB and your help in this matter would be greatly appreciated.

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 monetary relief
Consumer complaint received 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a credit card with Bank of America that was closed in XX/XX/XXXX when I left to join the Military. Upon closing the account I paid the account off in full, and Bank Of America is still reporting the card 30 and 60 days late on my credit report. Upon calling Bank Of America, they claimed they can't fix it because it occurred greater than 12 months ago. These late payment 's don't show up on any other credit report aside from the tradeline pulled to obtain a mortgage.

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