BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: Harvard Collections, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX Harvard Collections Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. Harvard Collections agency reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. Harvard Collections Services has not notified me via mail or phone call for the debt in question. Harvard Collections Services has not provided verification of this debt and has not responded to any phone call correspondence. 

On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX OF NY. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to XXXX XXXX XXXX on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. 

Two agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i gave a rep XXXX who told me i would be able to get XXXX of equity out of the house when i closed. i did not get the money and was told rental income was reported on my mortgage without any signed leases that i am aware with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: DriveTime
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Somebody stole my identity and tried to open accounts in my name

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 2016-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Affirm Holdings, Inc
State: VA
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:
I want an investigation with Affrim Inc as their seems to be an hard inquiry on my credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been trying to get Equifax and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: BB&T CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX my husband and I took an auto loan from Regional Acceptance Corp for a XXXX Ford Escape. In XX/XX/XXXX the vehicle was totaled in a car accident that was not my fault. At this time we were still making our monthly payments of {$370.00}. Our insurance company, XXXX, required a payoff amount from them and XX/XX/XXXX sent a check to them for {$6600.00} to pay off the vehicle. We are now buying a house and found out that they have been reporting us late to the credit bureau every month since then stating that we still owe them {$3700.00}. I have been calling them to discuss this 4 times a day everyday for the past week. I can not get anyone to answer the phone and I have left over XXXX messages and have not received a call back at all! This false debt is the only thing standing in the way of my husband and I being approved for an FHA mortgage to buy our home. I do n't know what to do now. I have had nothing but problems with them since we acquired our loan XX/XX/XXXX and I have read nothing but negative reviews about them concerning all of the same problems as we are having!!! Please help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, 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:
I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called XXXX, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

XXXX : XXXX amount {$4000.00} XXXX : XXXX amount {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Explained to Equifax information was incorrect on my credit report. The original creditor claims they were never contacted about the dispute. I believe they are just passing the buck and not verifying complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mine and my husbands mortgage has been sold a few times in a couple of years. We have been trying to refinance for a few years now. We were with XXXX XXXX Loans until XXXX 2015 when they sold our mortgage to SPS Select Portfolio Servicing and that is when the trouble started. When we were with XXXX we fell behind a month and we were trying to get it paid back but because my husband lost some income and a few unforeseen bills we were unable to catch it up. When SPS took over our mortgage we had explained the issues we were having but they did not care did not want to hear about it. I tried to go thru a hardship with them but when XXXX of the people there started telling me what documents they needed I started to ask questions. She then said they needed a copy of our bank statement and I said to verify our income right and she said " NO WE NEED TO SEE WHERE YOUR MONEY IS GOING TO ''. I said that where our money goes is really none of their business she said well we need it. I would not send them anything after that. In the middle of XXXX I called SPS to try to make arrangements for the Payment for XXXX which I did set up and the person I was speaking with said that if I made a half of the payment we were behind they would put it aside in our account until we could make the XXXX then we would be caught up. A couple of weeks after that I received a letter from SPS saying that we were three XXXX XXXX ) payments behind and they were going to forclose on us. I called them and the gentleman I spoke to said that they did not receive a payment for XXXX when I ask why I was just now hearing about it he really had no answer now where they are coming up with three payments I have NO idea. We knew we were behind XXXX ( XXXX ) payment but where they came up with XXXX we do not know. We were told to contact you to see if you could handle this for us. We have been trying to do a refi on our house for a couple of years now we do n't qualify for harp because we are upside down. We are paying 8.5 % interest and no one wants to help us. I think SPS is trying to just take our home. We are a family of XXXX our XXXX daughter is XXXX and lives at home with us and I do n't know what I would do with her if we lost our home. I was told that XXXX XXXX Loans sold our mortgage because they were afraid that they were going to get in trouble for being a Predatory Lender. Please help. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXX/XXXX  : XXXX XXXX  XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX : XXXX

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 2021-03-14
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:
I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called XXXX, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

XXXX : XXXX amount {$4000.00} XXXX : XXXX amount {$2600.00}

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 2015-05-13
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my XXXX complaint against US Bank. Every time I do, they send a letter stating I am not authorized, yet every time I call in, they acknowledge that my auth is in. This time I am attaching my conversation log notes so you can see that I spoke to them on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today. Today was the worst, XXXX said that the negotiator had been leaving me messages. I told her I had received no calls or messages. When I attempted to see what number they were calling, she refused to help me and hung up. I am TIRED of their rudeness. I left yet another message for XXXX the negotiator, I have NEVER received a return call from him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: BANK OF HAWAII CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PROBLEM : Received 2 late payments charges of {$25.00} each ( one in XX/XX/XXXX and the other in XX/XX/XXXX ) from the same Payee. 

DETAILS : Recurring payment to the Payee were designated for BOH to send the payment on the XXXX of each month. 

Both payments were received after the due date of the XXXX of the month ISSUE : Unlike every major banking institution I've used, Bank of Hawaii Bill Pay " service '' does not provide a deliver by date field on their bill pay platform. BOH tasks their customers with calculating the correct date for BOH to send the the payment. The documents required for each customer to accurately determine the correct send by date are as follows : - A published list of all observed Bank holidays that specifically affect the bill payment process ( none can be found on their website ) - A comprehensive list of the policies of their bill process ( for instance, when a recurring payment send by date falls on a holiday or weekend, BOH, unlike all other banking institutions I've used, inexplicably sends the payment the day FOLLOWING the weekend or holiday instead of the day preceding ). This is nowhere to be found as well. This also requires that BOH provide continuous and timely notifications to their Bill Pay customers as any changes to the policies, holidays observed, etc. will require BOH Bill Pay customers to recalibrate ALL future recurring payments to ensure they have provided BOH with the right date. 

There is no indication on the bill pay platform as to when BOH confirms a particular payment will be received. 

Instead, BOH provides this apparently incorrect guidance on their website https : //www.boh.com/online-mobile/ebankoh : " **Payment must be scheduled at least five business days in advance of due date, not including grace periods. '' BOH does NOT go on to define what a " grace period '' is. 

STEPS I '' VE TAKEN TO ADDRESS THE LATE FEES : XX/XX/XXXX I sent an email to BOH Customer Service outlining the above and requested they credit the late fees back. 

Since that date I've received responses that simply tell me to plan in advance for payments and a refusal to to credit me for those late fees. 


SUMMARY : My stance is that BOH is placing an enormous and unnecessary burden on their customers to calculate the send by date for Bill Pay without providing the necessary documentation to accurately calculate the date.

BOH should be frontloading all their policies and requirements into the logic of their Bill Pay platform and calculating the send by date themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX XX/XX/XXXX with a three year ARM. XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agent 's address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the XXXX index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XXXX XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : The servicer for our rental property ( Select Portfolio Servicing ( SPS ) ) has not corrected the interest rate calculation error or responded to our CFPB dispute of their response. In addition they have not advanced their foreclosure case since their original court filing. Through our legal counsel in XXXX XXXX we submitted information required for the HAMP program even though we have never qualified for any of the HAMP programs. SPS offered us a trial modification program using an incorrect loan balance and interest rate. We are requesting that our XXXX loan balance be correctly calculated. 

Thank you for time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Auto Acceptance, LLC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
As part of the application process for receiving the loan for my car, the dealer required me to provide references to be approved for the loan. I am currently behind on my payment due to an issue with my bank that I am trying to resolve. The lender is calling my references telling them directly that I am 13 days behind on my payment. They are also leaving harassing voicemails on my references ' voicemails. My reference have asked them to stop calling yet they continue to call almost daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

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 2016-05-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
This refers to Consumer Financial Protection Bureau complaint # XXXX. 
I have sent all required documentation to Shellpoint as of XXXX XXXX, XXXX. I have asked Shellpoint through a XXXX XXXX XXXX ( at XXXXXXXXXXXX ) if anything else is required for the Modification review. As of today 's date, XXXX XXXX, there has been no response from XXXX XXXX with Shellpoint. 
Today I filed the attached complaint with the XXXX related to their settlement with XXXX in XXXX XXXX. 
Please help me get an affordable Modification for my Mortgage

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