BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had opened the below mentioned complaint. It was still not completely resolved and the complaint ticket was closed. Henceforth I am opening anothe ticket to continue the complaint until completely resolved. 
RE : Complaint ID # : XXXX Submitted on : XX/XX/2021 Product : Mortgage Reference # : XXXX Property : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX

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 2020-08-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've reached out to equifax with three letters with no response at all.

I also sent letters to XXXX, Equifax and XXXX  asking for them to verify certain accounts with the following law below but no proof was sent by any collection agency or original creditor.

" You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with XXXXXXXX XXXX XXXX, utilizing the HARP program to reduce the interest rate on my mortgage. Even before my first and only ) payment to XXXX XXXX XXXX, the loan was sold to XXXX XXXX. I have paid my monthly payment utilizing their online payment service ( at : XXXX  ), on the first of every month. On XX/XX/2018, I was unable to connect to their webpage, to make my online payment, and finally made my payment over the phone. In late XX/XX/2018, I was notified by mail that my loan was sold to Specialized Loan Servicing, LLC ( SLS ). The problem of not being able to submit my loan payment online occurred again on XX/XX/2018. I made the payment over the phone again, and registered on the new website ( XXXX XXXX XXXX ), as directed by their customer service department , who assured me that this would solve the reoccurring problem. On XX/XX/2018, I experienced the same problem of not being able connect to their website to make my payment. Because it is Sunday, there is no customer support to process my payment. Unless their website magically starts working today, I will have to pay on XX/XX/2018, and pay 30 years interest on the one day late payment resulting from their incompetence ( or unethical practices ). I have read MANY posts, by customers complaining about the unethical practices associated with misapplication of principal payments, where a customer paid monies in excess to be applied to their principal balance on the the transaction date, to reduce their payoff amount/term, by avoiding compounded interest on the principal payment amount for the remaining term of the loan. I have read about unethical foreclosure practices, and poor or incompetent customer service practices as well. I have paid {$45.00} in excess of my minimum payment ( to principal ), on time, every month. And fully expect that this money is being immediately applied to my principal balance, and it is reducing my principal balance, and loan term in accordance with ethical finance practices, according to the good faith expectations of myself, and all applicable regulatory agencies. I have extremely low confidence in this, based on the number of complaints I see online, and my personal experience over the last few months.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I work in the tradeshow and convention industry which has been decimated due to COVID-19. I am lucky enough to remain employed, so I contacted Bank of America and let them know that I would be paying ahead each month because I am not sure when our industry is headed. Each payment was applied ahead correctly since XX/XX/2020. On XX/XX/2020, I made a REGULAR MORTGAGE PAYMENT on the Bank of America website. The website asked if I wanted to make a regular payment or apply the payment to my interest, principal, or additional. I chose REGULAR MORTGAGE PAYMENT. The newly implemented Bank of America system incorrectly applied the payment to PRINCIPAL CURTAILMENT. I immediately called Bank of America 's mortgage department to address the issue. The representative apologized and assured me that this issue would be corrected within 48hrs. It has almost been a week, since that promise, and the system has not updated my payment. I have spent the past 4 days on hold with Bank of America 's mortgage department for 4+ hours a day with NO ONE ANSWERING, NO ONE RETURNING PHONE MESSAGES. I have repeatedly tried to send emails via the Bank of America online messaging center and have been met with no response. I have gone online to try and set up an appointment, but each day claims that there are " no appointments available '' for 30+ days via phone  and in-person. I have visited numerous Bank of America branches, and most of them have been closed in spite of their displayed business hours stating that they will be open. 

I have paid ahead in an attempt to be proactive, so that I do not end up defaulting or missing a mortgage payment. Bank of America has decided to run things their own way and apply payments where they feel like it completely disregarding the efforts of their customers. Moreover, they refuse to maintain communications with their customers.

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 2021-04-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : 1. XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 3. XXXX  XXXX Date of Inquiry XX/XX/XXXX 4. XXXX Date of Inquiry XX/XX/XXXX 5. XXXX XXXX Date of Inquiry XX/XX/XXXX 6. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 7. XXXX  XXXX- Date of Inquiry XX/XX/XXXX 8. XXXX/XXXX- Date of Inquiry XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to 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 explanation
Consumer complaint received 2018-07-01
Company: EQUIFAX, INC.
State: PA
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:
Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I googled and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   Equifax XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance,  personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   Automotive XX/XX/XXXX Yes Yes XXXX XXXX XXXX.

All Banks - non specific XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXXYes Yes XXXX XXXX Automotive   XX/XX/XXXX Yes Yes XXXX XXXX Credit Card Processors XX/XX/XXXX Yes XXXX Banks and S & Ls  XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: AL
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:
I have filed numerous disputes about XXXX  XXXX  XXXX. They have placed a fraudulent collection that is also too old to be on my report but equifax keeps verifying it as accurate even though it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: IL
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:
Cfpb I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Accelerated Creditors Services, Inc
State: GA
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 paid off my car in full I previously complained that credit acceptance did not report that I paid the car off in full a representative called me this morning I notice my credit score dropped 9 points when I inquired as to why it showed that credit acceptance did not show my vehicle paid but it just said the account was closed which reflected derogatory so not only did they not report that my car was paid in full now it's showing up as derogatory because it looks like they closed the account due to non payment

Company response to consumer: Untimely response
Consumer complaint received 2021-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying since XXXX/XXXXXXXX21 to get the funds from my IRA account at Capital One. On XX/XX/21, I called Capital One to ask how do I go about getting my IRA funds withdrawn so I can roll it over to another bank with higher interest rate. The lady said I would have to fill out an IRA withdrawal form. She sent me form by email. I filled it out and sent it back on XX/XX/21. Received email on XX/XX/21 from Capital One saying they received the form. I waited for money to be mailed to me. On XX/XX/21 via email I received a message for me to call them about IRA. So I called them that day. I was told I needed to check boxes on form as to whether I wanted federal or state taxes withheld and resend form back to them. So I did resend corrected form same day. Received email from Capital One on XX/XX/21 confirming receipt of withdrawal form. Waited for check, and as of XX/XX/21 still no check, so I sent an email to them requesting check and threatened to make complaint. On XX/XX/21, I called them again about IRA and spoke to XXXX, he said he would refer it to his manager, either XXXX or XXXX and have it expedited. On XX/XX/21 received email from Capital One confirming receipt of form and I should call them. I emailed and said I just talked to someone the previous day. On XX/XX/21, I called again and spoke to XXXX. He asked me to get the IRA form I submitted and then he asked what was my SS # and I told him, then realized the first 3 numbers were incorrect. I asked him why didn't anyone mention this to me before? He didn't know but he told me to fix SS # on form and resubmit it to them. He told me to call after I submitted the form. So I did. I think I spoke to XXXX and she said they did received form and that they would accept my updated form even though I hand wrote changes and did not initial. XXXX spoke to a manager and manager said check would be expedited. Probably mailed out Tuesday or Wednesday. I checked online and on Wednesday the IRA on my online account was still open and not closed. So I called again, on either XX/XX/21 or XX/XX/21. The person I spoke to said the check would be issued Friday, XX/XX/21 and mailed. The account was closed on XX/XX/21. Received letter in mail on XX/XX/21 that account was closed. But still have not received check as of XX/XX/21!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: SC
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX in the amount of {$4600.00}. I have disputed this account with the company and also with  Experian, XXXX and XXXX and it is still on my credit report. It is unlawful to report this fraudulent 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 2020-08-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
l have submitted three certified letters to XXXX, Experian XXXX   credit report bureau about that method of verification of bankruptcy on my credit report. I am not denies l did not filed bankruptcy in XXXX. l am requesting their method of verification/ how they got this bankruptcy if the court do not report it.The letters was send out on XX/XX/2020, XXXX. For the last two investment results to me it stated that bankruptcy was verified by the USBK Northern District Of Florida Docket Number XXXX. But they keep send me their investigation results stating verified as accurate. As stated above l have to right to request their method of verification and for it to be send to me. l have not got any method of verification from XXXX, XXXX, Experian.I wrote a letter to bankruptcy court that they claimed they got my info from and the USBK Court bankruptcy court where the item was filed stated in letter address to me that they did not report to any credit report agency or any third party agency. It is public record for anyone to look up any public record

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 2018-04-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
my credit profile indicates specious public record information. I possess no public records or bankruptcies. Information reported is specious and needs to be removed. I contacted the source and have source based data proof from the court. they state they provide no information. As information is supposedly pulled from some type of public records data, it's evident that it's incorrect and should not be reflected on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
This complaint about Unauthorized Hard Inquiry left by XXXX Card Inquiry from XX/XX/2019 and XXXX XXXX sent me and copy to TransUnion to remove this Unauthorized Hard Inquiry

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 2020-10-16
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
The following Transaction was part of a scam : XXXX XXXX -negative XXXX EUR XX/XX/2020 Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2020. 
Paid with Cash VISA Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$250.00} Exchange rate {$250.00} USD = XXXX EUR XXXX USD = XXXX EUR Transaction ID XXXX Sent to XXXX XXXX  XXXX Details Sent to XXXX XXXX  XXXX EUR {$240.00} Fee XXXX EUR {$12.00} Total XXXX EUR {$250.00} This transaction was a complete scam and I never received the item paid for. The scammer created a fake XXXX account to trick me into buying something and I never knew how PayPal worked, to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased XXXX  equipment onXX/XX/XXXX by phone and online. I applied for their online credit service through XXXX ( which is owned by XXXX XXXX XXXX XXXX XXXX  which has recently merged with the XXXX XXXX XXXX  as of XX/XX/XXXX ) and was approved for {$3000.00}. The equipment order was placed by me.

I changed my mind within 24 hours and stopped the purchase by phone with XXXX. The equipment was NEVER DELIVERED. I never took possession therefore this purchase never happened.

I contacted XXXX  to let them know that the purchase was a return/refund. The total amount financed was {$2400.00} on XX/XX/XXXXas shown on my XX/XX/XXXX statement. They received and applied the first credit from XXXX on XX/XX/XXXX in the amount of {$100.00} and {$1300.00}. Those credits were posted on XX/XX/XXXX. The next credit they received on 3/8/18 is in the amount of {$580.00}. It has been " PENDING '' on my account online since that date ( see screenshot ). Repeated calls, chats and email messages have been made to get them to post the credit. Their excuse is it takes 45 days to post. That would have been approx XX/XX/XXXX. It is now XX/XX/XXXX and multiple chat and email messages since then have produced no action on the creditors part to post the credit. Meanwhile finance charges are being charged every day since XX/XX/XXXX to my account. Interest on XX/XX/XXXX statement of {$48.00} and on XX/XX/XXXX statement of {$20.00} so far they have charged me {$68.00} in interest for merchandise I never took possession of. I was never made aware of the credit by message, email, on any statement or any other communication. When I chat with them they don't " see '' it until I point out that it is showing online. Then they just repeatedly tell me it will post in 45 days. They have deceptive financial practices and should be investigated and indicted for harming their customers.

Company response to consumer: Closed with explanation