BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning XX/XX/2022 I began to make half my mortgage payments every 2 weeks on my pay day. The amount was {$940.00} every two weeks. Then in XXXX I received notices that my mortgage was overdue. I call and find out that my payments were not allocated to my mortgage and were placed in principal only. I called XX/XX/XXXX and complained and was told that they would reallocate the payments to my XXXX and XXXX mortgages. A couple weeks later I receive an alert from XXXX that NewRez reported my mortgage payment as 30days late!. I call NewRez and was told that I was up to date and they don't know what happened but that I should email a request for my that delinquent report to be removed. Then I see on my payment history that my XXXX payment was not paid even though I called on XX/XX/XXXX and allowed {$940.00} to be reallocated from Unapplied Payment to my XXXX mortgage and then authorized an additional {$940.00} so that I would be paid for my XXXX mortgage, conf # XXXX. Then I look again on XX/XX/XXXX and find that the associate on XX/XX/XXXX had put through for {$1800.00}! Not {$40.00} like I asked. So payment did not go through and NO ONE emailed or called me to alert me. I again requested {$940.00} to be put into my XXXX mortgage so I would be up to date confirmation # XXXX. 
I was trying to be a responsible client and make my mortgage payments early and this company ends up reporting me to the credit bureaus and tanking my good credit! I keep asking them to reverse their reporting. I've requested through the phone AND email and I ve received no adequate response. Ii am a responsible homeowner and I should NOT be treated this way. Theu customer service is terrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: Acra Intermediate Holdings, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Started a refinance with Citadel XXXX Corporation dba Acra XXXX  on XXXX XXXX. They kept loosing papers and went through a lot of repetitive steps to reach the end. Was told by one XXXX XXXX that I could have {$65000.00}. at 5.6 % interest and pay only the interest for 10 years. My payment would be just over {$1500.00} a month. Citadel even did not notify the appraiser that this was a rental and that the management company needed to be notified. Thus I had to pay for 2 appraisers and a penalty to the first appraiser for going out to do nothing. Through all of this I thought we worked out an extension to save the interest rate. Obviously that did not happen. Finally in the first part of XXXX, after dealing with XXXX and a Virginia XXXX we got to the first part of XXXX. A week before signing I was told that since I lived in XXXX I had to get the final forms notarized in the consulate. Or I would need a POA to assist but the POA needed to submit a letter and had to be approved. Meanwhile XXXX told me that I had until the XXXX to sign the papers. So I flew to XXXX to have the papers notarized. I was shocked beyond belief. Out of nowhere I was charged a 7.1 , % interest with a payment of over {$1800.00} a month and in full and only received {$49000.00}. Acra has refused me any explanation or any help. They have completely ignored me. I wrote to the sales manager and never received a reply. XXXX advised me to sign the papers and the difference could be worked out later. Just another lie. By the by the normal interest rate should have been the 5.6 %. They completely ignored the {$590000.00} actual appraisal figure. I have been with Citadel for a long time and never expected this kind of treatment. Also the settlement date and dispersal dates are wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: GA
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:
I called XXXX to ask questions and they did ask if I wanted to open an account, I advised to them no. XXXX XXXX XXXX  they called me and asked if I was in the market to purchase a new home, they did ask me a series of questions, not realizing they were doing a hard inquiry not only once it is showing up three times on my report. The Hard inquiries. With XXXX, I am not sure of what this inquiry is for. As for the XXXX XXXX XXXX, I do have an account with XXXX XXXX, but it is for my checking and savings account, I am not sure what the inquiry was for. XXXX XXXX I have no clue. 
All I am wanting is to please have these Hard Inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Mortgage Research Center, LLC
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/2021 I tried doing a cash out refinance with my home and the appraiser discriminated and appraised my home at a very low price while we were at all time highs. All my neighbors properties appraised at a very high price. My home is the most updated home in my complex and is a penthouse but appraised as the lowest price at the complex. When I brought this up with the appraisers office they totally blew me off. Im a 100 % completely XXXX veteran that they took advantage of because of my skin color. I fought for my country to be treated like a 4th class citizen. My cash out refinance was denied by the XXXX XXXX loan because of this situation and wasnt able to pay off my debts. This situation put me in a horrible financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Affirm 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: Report provided to employer without your written authorization

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a very payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I called XXXX to ask questions and they did ask if I wanted to open an account, I advised to them no. XXXX XXXX XXXX  they called me and asked if I was in the market to purchase a new home, they did ask me a series of questions, not realizing they were doing a hard inquiry not only once it is showing up three times on my report. The Hard inquiries. With XXXX, I am not sure of what this inquiry is for. As for the XXXX XXXX XXXX, I do have an account with XXXX XXXX, but it is for my checking and savings account, I am not sure what the inquiry was for. XXXX XXXX I have no clue. 
All I am wanting is to please have these Hard Inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-11
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}

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 2020-01-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have made bi-weekly payments since prior to the Penny Mac company taking over the servicing of my loan. I have also always made my payments a month in advance and for more than the monthly payment so that I can have additional money go towards my principal. Since Penny Mac took over the servicing of my loan I have had one issue after another. My taxes were computed and calculated at over twice the amount that was due. My payment automatic withdrawal was then adjusted without my knowledge or consent to be raised even higher than what I was already paying ( with the additional amount for principal ) When I called I was told that was standard and that they would have sent me a notification for the increased amount later. That because I was in effect paying the month prior- that it was simply a mix-up. ( In fact, it appears to be a bad process that is poorly thought out and implemented ) Then I got that stopped. I was assured they would manually process both payments in XXXX so that they were made in time for my XX/XX/XXXX payment due date. Which they did indeed process them. Now, though I am told they were misapplied. I have also checked my account to see that they did not process the partial payment for XX/XX/XXXX as it should have been either. All of this has resulted in my being considered behind. Now I am again behind for this month because they did not process my payment in XXXX. This company is unprofessional and clearly has poor processes in place to ensure that accounts get credited timely and appropriately. When speaking with members of their customer service team they frequently are uninformed or make changes to my account that has unintended consequences. I am beginning to wonder if they are intentionally misapplying payments so that they can accrue additional fees in light of the fact that I clearly intend to pay this mortgage off early thereby reducing their profit off my loan. Calls to customer service continue to be stonewalled with low-level agents who are unable to make and or understand the changes that clearly need to be made. Now - here I am - dealing with trying to catch up when I have been paying all along. Seems grossly unfair, shockingly incompetent, and perhaps illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I finally actually received a card. I have for once the physical card in my possession but the problem now that I finally actually the card all the money that was in my account is gone except for XXXX dollars. Bank of america let someone activate my card spend my money and at some point I guess they ordered more cards. I went through it trying to figure out what was goi g on either my account in 2020. I filed for unemployment. I had received an email saying I would receive my XXXX  account nu.ber in the mail then a month later I get another email saying my information has been updated. I called till I was blue in the face so to speak never could even get through. So I went to a bank of america and was told they could not do anything unless I had the card and that I had to take the issue up with XXXX. Well that was absolutely impossible. I got some certification papers in the mail. I filled them out and sent them back so I knew I should have had some money in my account. How was someone able to get my my money when I couldn't even get my money! And now that I finally got my information updated with the XXXX  back to what it should have been the whole time I get the card activate it and my account is empty and they aren't doing anything but telling me they are working on it. I get my tax transcript and see that I was paid out something like XXXX dollars.

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 2023-07-24
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XX/XX/XXXX a charge went in to my regions account I transferred money from cash app the next day to cover the negative balance. They still charged me a XXXX $ overdraft fee. The manager at the XXXX, TX location said she would get back to me before end of day when I called. And I also used the chat that night. Nothing was done. 
On XX/XX/XXXX they returned my payment which brought my account back positive and still charged my account a {$34.00} overdraft fee. On XX/XX/XXXX I called the XXXX XXXX number and spoke with XXXX and told her about both incidents. I told her I know it's computer generated and sometimes it mess up she told me none of the higher upside could fix it. She told me to call the branch manager at XXXX and follow up with her since she didn't follow up with 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2022, I applied for an ExxonMobil Smart+ credit card that promised XXXX XXXX  per gallon reduction for gas purchased at ExxonMobil stations. An additional XXXX XXXX  per gallon was promised for the first 60 days FROM THE ACCOUNT OPENING DATE. 

I started using the card on XX/XX/XXXX. Wanting to know when this XXXX XXXX  promotion would end, I called the Card 's Customer Service at XXXX to ask when it would expire. I was first told XX/XX/XXXX which I challenged. Then I was told XX/XX/XXXX. At that point, I asked for THE ACCOUNT OPENING DATE, which they ( XXXX  ) said that they could not give me. I asked for the supervisor only to be given the same denial. 

I tried contacting ExxonMobil, but kept getting routed back to the Card Servicer. THE ACCOUNT OPENING DATE is not detailed on the first statement that I received. All the advertising on the ExxonMobil pumps features this promotion which the consumer is unable to determine when their credit XXXX XXXX  per gallon would end.

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 2021-08-02
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:
Ive been a victim of identity theft. XXXX XXXX has blocked/delete all fraudulent items. Equifax continues to say you items have been verified. How can they verify these fraudulent items. Equifax is in violation of the FCRA!! Equifax must report true and accurate information. The following accounts are fraudulent and dont belong to me. Equifax must follow suit and blocked/delete these items. 
1. XXXX XXXX XXXX 2. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # XXXX , US BKPT CT XXXX XXXXXXXX Reference # 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 furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: Experian Information Solutions 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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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