BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 our property tax is due and as payments need to be received by XX/XX/2021 at the XXXX XXXX department in order to have no additional fees as well, have no late status on our account. Last year the mortgage company didn't pay our property taxes and we ended up having late fees assessed and were threatened with our home being taken unless taxes were paid. Taxes were paid out of our own personal account even though in our mortgage contract it states escrow would be used for property taxes and homeowners insurance. After contacting the company we were told they would refund our full amount ( full amount was never received due to some mix up in our escrow, as well something we were never advised of until an escrow analysis was preformed in roughly XXXX of 2021 ) and this wouldn't happen again the following year. Guess what? It is now XX/XX/2021 and property taxes are showing not paid. According to my payments, it does show an amount of {$850.00} being taken out of escrow on XX/XX/2021 and this states tax disbursement. It is now XX/XX/2021 and as stated above nothing has been received by the XXXX XXXX tax assessor. Taxes are due no later than XX/XX/2021 in order to not receive late fees however the date show on the tax assessor website show due date of XX/XX/2021. This is beyond frustrating as this seems to be a habit with this company and they seem to have an inability to correctly pay something on time. Lastly, I did send an email stating my concern and the response stated that the money was taken out of my escrow and paid on XX/XX/2021. However, I was also told if a delinquent notice is sent to me, I should send it to the mortgage company. Seriously? Because of their inability to pay last year we did receive multiple delinquent notices, and notices we noted to this company over and over again until it came to a point payment had to come from our own account. The company claims they sent a fed ex payment close to the time we paid the amount from our own money however IF any payment was mailed it was too late as we were close to having our home sold at auction due to how overdue the property taxes were and all due to this mortgage company NOT making the payment.

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 2021-06-15
Company: EQUIFAX, INC.
State: WI
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:
Both XXXX and equifax are reporting unverified misleading untruthful and unfair information on my credit reports. They are placing 2 XXXX student loan accounts as verified when in fact they are not. XXXX  removed both accounts for these very reasons that I am disputing they dont it have the necessary documentation to verify my commitment or agreement to this debt between me and the original creditor. They also do not have a valid signed original contract giving permission to sell assign release or in any form of transfer of any debt to XXXX. I dont owe this company because I dont know this company if XXXX removed this debt the fcra fdcpa both state that all debts must be 100 % accurate and complete. Also I do not owe this debt I have no knowledge of this debt at all. Also if you look at the payment history on equifax they have several no information remarks on months of payment which also makes this debt incomplete these accounts must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
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 XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 


I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.

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 2019-08-08
Company: Creditrepair.com, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I suffered ID theft at the hands of XXXX XXXX XXXX where they used my social security number for someone else 's account in XX/XX/XXXX-XX/XX/XXXX. This cause severe damage to my 35 years of perfect credit. I hired XXXX XXXX to help me. They did a very good job at getting this fixed but in XX/XX/XXXX they lost legal representation in my state of North Carolina. This left me with no choice but fixing my scores on my own and cleaning up incorrect credit information. I did pretty good with most of my left issues with the exception of dealing with XXXX  XXXX XXXX and XXXX XXXX. They are a major issue and totally unresponsive. Therefore, at the beginning of this year I hired CreditRepair.com. They said they could help with all my remaining issues. Instead, I discovered they are hard to get in touch with. Their people do not follow though or do anything. Their departments do not work in harmony with each other too. As a result, my credit scores have been going down instead of up even though I have not missed a single payment on any of my responsibilities. When I called them today I found a recording saying their staff was in meetings and their phone system hung up without taking a message. I tried using their chat function and that showed they were closed today during normal business hours. So I sent them an email message saying I wanted a complete refund and for them to stop charging me. They need to deal with my request immediately along with fixing their issues or be investigated and/or shutdown as a service. I am also very concerned about the security of all the financial information I have shared with them too!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
cap-one finance has this excellent program that takes most of the hassle out of car buying ... ..they have a program that pulls a soft pull from ur credit report ... .it only becomes a hard pull is if u accept the load and go to the car dealership ... ..the dealership has to pull ur credit to make it a hard pull ... but all the negotiating is done thru cap-one ... so the way this program is set up they pull a soft credit then they let u know if u qualify and for how much ... they approved me for XXXX ... as the process was going on for each car i was interested in i would call cap-one rep and they would ask can they pull my navigator up so they can see what intrest and if they will pay full price for that car ... i saved bout 5 cars in my navigator ... .and each time i called them i gave them the vin number to the car alone with the car lot name to make sure they were a part of the program ... as 1 called them each time i would give them all the info on the car they would plug it in the navigator and tell me what the intrest was and if they would pay full price for the car ... .i came across the car i did buy thru them and ehrn the rep checked on that car it made the most sense ... i was quoted a 10.16 with a car note of XXXX $ a month ... .every call that i made was recorded ... everytime i called it always said this conversation is being recorded ... i didnt have my glasses when i signed my contract ... .but there was nothing to be allarmed about because me and cap-one had already came up with how much i can finance and what everything ... would be ... including my gap and my tax, title, and licenses ... after signing the papers a week later i was reading over them again and i discovered that intrest rate is wrong so i called cap-one and i told them that this id not what we agreeed on verbally ... and thats what was already setup in my navigator ... .cap-one told me that it was the car lot mistake but i dis agree because all the carlot was suppose to do is pull all of my info from my navigator ... .all the number were already talked out with cap-one ... .cap-one said that i signed so aint nothing they can do and i told them that them and i had a verbal agreement that they refuse to uphold their end of the bargin ... .i have proof what they said cause all of my calls were recorded ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2022-12-19
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early 2021 I attempted to update my smart phone service with XXXX XXXX XXXX online. I requested a new phone and new service. The following day I received an email saying my credit card purchase was declined. I called the credit card company and found out that because of two back-to-back purchases the transactions were declined. I then called XXXX XXXX XXXX to discuss the issue. Somehow the representative from XXXX XXXX XXXX initiated a new purchase and also processed the one that was declined at first. When I became aware of this, I contacted XXXX XXXX XXXX and cancelled both transactions. I had to repeatedly call XXXX XXXX XXXX to stop these purchases but got the now two ( 2 ) phones and services. I returned the phones and called XXXX XXXX XXXX again and thought the problem was resolved. It wasn't. I went with XXXX. I have had to give three ( 3 ) different debt collection agencies proof of that I do not owe this debt and I have another one calling me every day, sometimes three ( 3 ) times a day. Be advised that I cancelled the phones/services with XXXX XXXX XXXX  XXXXithin the fourteen-day period ( 14 ) period as was contractually agreed upon. I have recordings of my calls with XXXX XXXX XXXX detailing my attempts to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Duvera Billing Services, LLC
State: NJ
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, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// DUVERA BILLING SERVICES , LLC is CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// DUVERA BILLING SERVICES , LLC violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// DUVERA BILLING SERVICES , LLC violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) //// DUVERA BILLING SERVICES , LLC reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and DUVERA BILLING SERVICES , LLC ./// DUVERA BILLING SERVICES , LLC also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// DUVERA BILLING SERVICES , LLC also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to DUVERA BILLING SERVICES , LLC non-compliance and violation of the FCRA /////I DEMAND the complete removal of the DUVERA BILLING SERVICES , LLC account including and not limited to any NEGATIVE REMARKS furnished by DUVERA BILLING SERVICES , LLC /// NOTICE IS GIVEN : In the event DUVERA BILLING SERVICES , LLC failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a car from XXXX XXXX through Santander. OMG My Worst nightmare. After only a few days this car broke down. I called XXXX XXXX 's salesman that sold me the car and he was beyond RUDE. Ignored my calls, told me i had to get the car towed etc. My insurance would n't tow it to XXXX XXXX and i had spent all my money trying to fix this vehicle now i KNOW i was still in the time frame to return this vehicle. That was my plans but this company refused to give me any help. This car has been broke 2 weeks after i purchased it. It was a lemon. Now i know I 'm still liable for this debt but I 've tried to return this broken vehicle. Why should i have to pay on a car that i only used 2 weeks. On top of that Santander is flagging my account with late payments after refusing to help me. I have been struggling to get to work, school and my son 's extra curricular activities. I spend ALL my money on GAS money while this broke LEMON sits in my yard!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no recollection of this account nor this debt I have been a victim of identity theft, Ive already complained before, and Ive also had to close and open up a new checking account as a result of the identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I initially had my loan with  XXXX   XXXX  and applied for and was accepted into an income-based plan.  XXXX   XXXX  spun-off federal loans to  XXXX , which then became my provider. I applied for public student loan forgiveness certification, whereupon my loans were transferred to FedLoan Servicing. I neither asked for nor consented to any forbearance, because I wanted as many months as possible to count towards my PSLF.   XXXX  However, they placed me into forbearance, and immediately notified me that my interest would be capitalized  ( it had not been capitalized because of the income based repayment plan ), upon the  end of the forbearance.   XXXX  Thus , FedLoan is impr operly profiting from capitalization of interest and fraudulently does so based upon unilaterally placing loans into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX in XX/XX/XXXX for a full set of dentures. I was told my portion would be {$960.00} which would have to be paid in full before work could begin. I paid this on XX/XX/XXXX. Work completed as far as they could in XX/XX/XXXX. I only have uppers that are usable. Later in XX/XX/XXXX I received a handwritten bill stating " Balance due {$750.00} ''. I wrote and asked why. No response. Received a 2nd notice stating the same. " Account Balance : {$750.00} ''. Still no statement of account saying why this was owed. Several days later I received notification from my insurance company that they were denying the claim filed on my behalf because it was filed too late ( beyond 6 months after service ). So I responded to XXXX once again and stated it was apparent they were trying to collect from me because they failed to bill my insurance in a timely manner and that based on that I did not owe this debt. They immediately turned this over to AWA Collections who has proceeded to submit updates to my credit report at least 2 times a month raising the amount owed. They are charging " Interest & Fees '' apparently monthly or bi-monthly for a debt I do not owe. This is damaging my credit score which I have worked hard to improve since my divorce. For a debt that I do not owe. So what started as a {$750.00} dental bill that I do not owe, is now showing as 4 different derogatory comments against me in the last 6 months and the amount has increased to {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. The agent that I spoke with two days ago at XXXX stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with Equifax has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do.I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.

Company response to consumer: Closed with explanation