BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have attempted to obtain this information for over two years now. I submitted requests with the previous servicer as well as the current one.

There are a number of charges to my escrow account that the servicer will NOT verify as accurate. I have requested copies of reports and invoices charged to my account and only receive some of them. They have gone so far as to send duplicates in an effort to make my request appear complete. 

I have spent countless hours reviewing the partial documents sent to me. I'm still being charged for items on my escrow account with zero documentation of what they are and if they are valid charges. Additionally, I'm in a repayment plan and was forced to add the total amount of the escrows, including the disputed amounts to the plan. 

This is ridiculous. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: AR
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:
It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : DEPTEDXXXX XXXX Balance Owed : {$1400.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4200.00} ; DEPTEDXXXX XXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$88.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$1300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Selene Finance LP
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Selene Finance is violating the The Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). The company is calling me multiple times a day and they are speaking with me during these times. They are lying and saying that they are not verifying that it is me, but this is not true. If they have actually recorded the conversations, it would show that they have spoken with me. The most upsetting thing is, that I am receiving these phone calls and a payment has been scheduled ( in this case for XX/XX/XXXX ). 
During the month of XXXX ( XXXX ), I have spoken with a representative at least four times and during each of these times, my payment has been scheduled. There is no history of me scheduling a payment and canceling it. Here is a list of calls, from the most recent : XX/XX/XXXX at XXXX call duration 10 minutes and 7 seconds. During this call, the representative ( XXXX ) told me, that it was noted that I had received a call this morning but, there was no verification. I told her that was incorrect and that I hoped this call was being recorded so that it would be on record what she said to me. She was very condescending as if, I was the one not inputting information into their system correctly. 
XX/XX/XXXX at XXXX call duration 2 minutes and 4 seconds. I verified my information with the male representative and asked him why he was calling when I had spoken with someone on XX/XX/XXXX and a payment was scheduled. He said " you are correct XXXX XXXX and its probably because our system is set for five days. I will note the account. '' I told the representative that I hope the call was being recorded and he said, " yes ''. 
XX/XX/XXXX at XXXX call duration 18 seconds- I informed that representative that a payment was scheduled. 
XX/XX/XXXX at XXXX call duration 6 minutes and 35 seconds. This call was placed by me. The reason for this call is because I received a call at XXXX and the representative hung up on me after I verified myself because I was complaining and I had received a call on XX/XX/XXXX. 
XX/XX/XXXX at XXXX call duration 34 seconds. I asked the representative why I was receiving the call when a payment was scheduled, the male representative hung up on me. 
As you can see, some of these calls were made before my grace period ended ( there was a call on XX/XX/XXXX too ). The fact that the company continues to lie and use this as the reason I keep receiving calls is unacceptable and a violation of the law. This practice has been going for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My financial institution, Capital One, has repeatedly and recklessly been engaged in mishandling my money by disregarding my complaints about unauthorised and disputed transactions. Thus, Capital One is holding my money at the expense of the third part merchants engaging into aggressive behavior in accessing my bank account even after ending services/products with the merchants, and or merchants charging for services/products they do not provide. 

XX/XX/2019 Capital One awarded XXXX {$130.00} for services I no longer subscribe since XX/XX/2019 XXXX ( Claim # XXXX for my account ending in XXXX ). While I provided proof that I was no longer subscribing for the service, they awarded the merchant my money with false supporting documents they later sent to me after many followups and complaints ( see the supporting documents ). 

XX/XX/2019 again, Capital One paid/holding {$710.00} ( Claim # XXXX for my account ending in XXXX ) that I never allowed the merchant, XXXX XXXX XXXX to withdraw from my account, hence causing a tremendous chain of insufficient funds for other scheduled transactions. Both Capital One and the Merchants knew in advance by phone and writing about the ending/termination of the services/products they were providing me. However, Capital One mismanaged my money instead of safeguarding my money. 

Two incidents in one month are too much to ignore or to think Capital One has been operating in the interests of their customers. When I entrusted Capital One with my finances, I believed they will work on behalf of my interest, which has not been the case most of the time. ( see the supporting documents ). 

Therefore, your help in resolving this problem will beappreciated. 

Thank you, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My car was totaled and bridgecrest was notified on XXXX XXXX. The person who was at fault had their insurance call bridgecrest and say that I was delaying settlement so bridgecrest came and picked up the car on XXXX XXXX so the insurance could get the car. The insurance company lied but bridgecrest did not call me to verify. On the day bridgecrest picked up the car I called and was informed that my gap insurance would cover what the insurance did not so there would not be a balance left over. I waited for an update and I called XX/XX/2018 and spoke with XXXX after they had reported they would remove the line of credit and I advised that I did not agree to that as my gap insurance would pay the car off so I advised they needed to properly update the account as paid in full. XXXX said that the at fault insurance company still had not paid or picked up the car. I advised why not it had been 3 weeks and I asked why no one had contacted the at fault insurance company and I could not get a straight answer. So I called back on the XXXX and spoke with XXXX a supervisor and the at fault insurance company finally came and got the car but still had not paid their portion. XXXX then proceeded to advise me that the deletion of my credit report would not be changed and that bridgecrest had cancelled my gap insurance. She said that they were following procedure and I advised that only when it benefits bridgecrest do they follow procedure and I asked why when I called when the car was repossed and they know it had been totaled out did they not inform me of this and she could not answer that. Later that day again I received 2 calls with 2 voicemails from bridgecrest.  Bridgecrest states that they do not have an updated address but I recently came home to a notice for a letter from them that required a signature but due to daytime delivery I was not home and there were no instructions on how to retrieve what was sent. Bridgecrest picks and chooses when to follow their policies only when it is in their favor and once again have violated the calling procedures for collection attempts again for the third time. I also can not even access the account to retrieve any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Aspen National Financial, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchase a timeshare from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. I had a mortgage which was paid off in less than a year. XXXX XXXX has charged me for maintenance fees but refuses to give me the week which they are charging me for. Now they have recruited this crooked company Aspen National Collections is a national debt collection agency with specialized expertise in consumer debt collections for companies involved in timeshare or vacation ownership resorts, educational loans, utility cooperatives and other niches which robs timeshare or vacation resorts owners by adding ridiculous fees to their maintenance fees. I was charged for XXXX fees {$820.00} & {$190.00} for taxes. With the additional fees, this crooked company wants to charge me {$1600.00}. Blocks my usage. 
Both companies teals my weeks which are already paid since XXXX as well as my extra vacations which they sell to companies like XXXX ; XXXX XXXX  and XXXX to name a few. They NEVER have anything available for OWNERS, who are forced to pay maintenance fees unless they book a year in advance thru another company which OWNERS are forced to sign up with or they are unable to use their week. This company now forces owners to pay to extend their week!! Ridiculous. What you think you buy or own is not what you get. The salespersons lies to unsuspecting prospective owners. This is a lucrative business but a night mare for owners!!. COVID-19 FORCES THEM TO SHUT DOWN AND NOT SERVE THE OWNERS BUT THEY DIDN'T SHUT DOWN OR REDUCE THE MAINTENANCE FEES!!! My job was affected, but they didn't want to hear nothing!! 
This should be illegal. These companies should be banned for financially raping consumers especially our millennials. Something must and should be done to stop these crooks!!! We need help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: Southwest Recovery Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have reached out several times trying to get documents because I was told that I took out a second mortgage on the home but I did not and ask for the documents where I would have signed if I did. I have not received any documents to support this. After several calls I was sent some documents stating that If I think that I have been a victim of Identity thief then take these documents to the nearest police department. I have not received any documents with my signatures on a second mortgage and I want the amount of {$9600.00} to be removed from my mortgage immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.

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 2017-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax, nor the other 2, offer any opportunity to lock or freeze minor children 's SSNs. Even Equifax will not do anything to protect minors even due to their hack. How do I protect my minor children 's SSNs which have been part of the Equifax leak?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-09-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used XXXX XXXX XXXX  's bill payment service to pay barclays business credit card. At this time my bank account was though to be hacked. As such they put a hold on all payments. Barclays is now charging a {$39.00} return payment ( XX/XX/2021) for that attempted payment. I tried calling twice to discuss the unique situation with no solution.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. I have sent a complaint to the XXXX XXXX office and XXXX XXXX XXXX Experian is reporting a fraudulent account on my credit report. I have sent a FTC report. Also I notified the company and Experian of this fraud. This account came back as verified by Experian. Not sure what is going on but this is not my account and I have done all necessary protocols to report and dispute the fraudulent account. This account is causing irreputable damages and needs to be removed 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 2022-07-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I advised XXXX XXXX XXXX  of a fraudulent order on my account. An individual walked into a store in XXXX and purchased an XXXX under my account. I had numerous calls with XXXX XXXX XXXX and numerous online chats advising them of this fraudulent charge, and I also went to the store in XXXX where the purchase took place to get a confirmation of the order and the video. Unfortunately, the manager could not locate and provide the receipt or the video after XXXX days. After 5 or 6 months, I was told by XXXX XXXX XXXX that the charge was coming off. Three years later, in XXXX, It showed up on my credit through a collection agency. I immediately reached out to the collection agency they told me that XXXX XXXX XXXX confirmed the charge and moved it to collections. I asked them to remove the deliquent mark and needed this to be corrected. I volunteered to pay off this debt, which I did to remove it from my credit report, and I would pursue it with XXXX XXXX XXXX again. I have requested this to be removed numerous times, but they have been unwilling to do so. This is preventing me from closing a loan on our home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution to any current or future identity theft and investigation into the delay in notifying the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ON MY ACCOUNT THERE WAS A NAME BY XXXX XXXX WAS ADDED TO MY ACCOUNT WITH OUT MY CONSENT ALSO THERE WAS CHARGES RACKED TO MY ACCOUNT AND I DID NOT ADD THEM TO MY ACCOUNT IM TRYING TO WORK WITH THE BANK TO REMOVE THE NAME AND FIX THE AMOUNT ON THE ACCOUNT ON {$20000.00} IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief