BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We received a past due notice on XX/XX/XXXX from XXXX County Tax Assessors office stating that our XXXX taxes were not paid. We reviewed our escrow account through our on-line account with Shellpoint Mortgage and noticed that the taxes for XXXX had not been paid by Shellpoint Mortgage. I then called Shellpoint Mortgage Escrow Dept on XX/XX/XXXX to inquire about this delinquency and spoke with a representative. The rep stated that the tax bill had been " overlooked '' and that she would put in a request to have it paid. She stated that it should take approx 7-10 business days to process the request and to follow up the next week. I in turn called the County Tax Assessors to let them know. I followed up with Shellpoint Mortgage Escrow Dept today, XX/XX/XXXX and spoke to another representative. She just told me that the company was still " processing '' the request. When I asked about penalties and the delinquency reported to my credit report, she just said that Shellpoint would take care of the penalties and that I would just have to dispute the charges against any credit bureaus. I asked if I could get all of this in writing, but she said no, that all she could do was verbally tell me. I asked the rep several times to speak to someone that could give me more detailed information on how this happened and to expedite the request, but she said there was no one else I could speak to. I am very disappointed in the way that this has been handled and that I will suffer the consequences due to this company 's negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: SC
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2020-12-18
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint against DMI who currently subservices my FHA mortgage on behalf of XXXX XXXX  XXXX XXXX XXXX. 

I applied for Covid related forbearance in XXXX of 2020 and was granted a three month forbearance plan. When my initial forbearance expired, I made my XXXX and XXXX payments. I then applied for a second forbearance period as I was still experiencing financial difficulties directly related to Covid. I never received confirmation that this request was granted but I assumed it was when I did not receive calls or mail from XXXX when I did not make the next few payments. Finally in XXXX, I received a letter from XXXX saying my forbearance period would soon be coming to an end. The letter did not say the exact date it would end because I was still struggling with Covid related financial difficulties, I applied for an extension to my forbearance ( that I never truly knew I had until receiving the letter saying it was coming to an end ). Once again, I never received anything from XXXX approving or denying this extension so I assumed like the previous that it was granted. Now today I receive notification from XXXX XXXX  that XXXX has reported my mortgage account as +30 days to the credit bureaus. 

My complaint is that, other than my initial approval and the two letters I received saying my forbearance was coming to an end ( one in XXXX and one in XXXX XXXX, I had no way of knowing the true status of my account. XXXX 's website does not tell me if I am in forbearance. The Loan Solutions website I was directed to in order to make my request does not tell me the status of my request. XXXX has only once, in relation to my first request, sent me anything acknowledging my request and confirming if it was approved or denied. Now they have reported me late??? I have asked XXXX directly and through a previous complaint to communicate with me via postal mail and have received nothing meaningful. As one of the country 's largest mortgage servicers I would have expected them to be better prepared to handle a situation such as what the country is experiencing but unfortunately, the customer service experience I have received has been horrific and now damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr Cooper refinanced my loan in XX/XX/XXXX. The rates dropped to 2.23. I called in XX/XX/XXXX and the person said they could only offer me 2.26. Gave me all the wrong numbers and didn't honor the rate match of 2.23. I called back on XXXX because I got a 1.79 rate offer. I called Mr Cooper to check their rates and rate match. I was told he could offer me 2.24. He said that rate was since XXXX. So the 1st rep lied. He ran my credit for nothing. Did a soft inquiry on my credit and they aren't suppose to. This company are scamming folks in the midst of the worst time in our country 's history since the great depression. I don't think they should be handing VA loans. We sacrificed alot. Too much to be swindled. The bbb is filled with complaints in them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ACCOUNT : DPT EDXXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX : XXXX, XXXX****LATE PAYMENT ON XX/XX/2022 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX : XXXX, LATE PAYMENT ON XX/XX/2022 Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n

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 2020-12-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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 XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2020-09-26
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I requested a pay off amount for my HELOC to Navy Federal Credit Union. My account is currently handled by collection. I been calling them all day and my escrow to get the pay off amount. We started calling them morning eastern time ll the way closed on business date. We left a message for the request. Navy Federal Credit Union collection - Mr XXXX my case manager never returned my call and didnt provide the pay off amount. Navy Federal Credit Union gave as a hard time to provide an important document so I can close my house. Navy Federal Credit Union Collection dont have a supervisor to file a complaint. I have so much trouble dealing with Navy Federal Credit Union. They dont provide good service and very unprofessional. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by Midland Credit Management , INC about a Credit card balance owned on a XXXX XXXX Bank in the amount of {$2800.00} that was open back on XX/XX/XXXX under my personal information including an old address from which I had moved out on XX/XX/XXXX to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from Midland credit that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a XXXX credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by Midland Credit Management , INC, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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 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 2019-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I faxed my documents to Equifax XX/XX/2019 to prove my identity. I called back XX/XX/2019 approximately XXXX XXXX  to follow up and reached a person name XXXX in Equifax 's XXXX ' office ( as XXXX said ) who first said he did NOT receive my documents, but then said he did. Then he asked me to verify the information on my documents, which I successfully did. 

XXXX then said 'suddenly ' the documents are now NOT LEGIBLE. I asked how is that possible when we just verified the information on the documents. 

I tried to get my credit report before and they constantly create road blocks and obstacles to prevent the consumer from getting access to our Credit Report. I noticed several other consumers have stated the same uncooperative experience on your message board. I have done all that is required to receive my credit report and this is being denied to me. 

I have experienced this same obstacle dealing with another XXXX office with my U.S. student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Back in XX/XX/XXXX, I disputed XX/XX/XXXX because of their discriminatory, predatory lending, and unfair and deceptive practices. XX/XX/XXXX XXXX charged me inflated, unjustified fees, and misrepresented information to the credit bureaus. XX/XX/XXXX never responded to the fact that my promotional period ended XX/XX/XXXX. XX/XX/XXXX charged the account off on XX/XX/XXXX and then hired several third-party agencies. However, XX/XX/XXXX XXXX does not tell any of the third parties that I am a 100 % permanently XXXX Veteran and my sole income is /my VA XXXX - misleading the third parties. When the third party finds out of my Veteran XXXX status XX/XX/XXXX XXXX will hire someone else.

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 2020-12-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020 Chase credit card number unknown charged me {$26.00} for something. To the best of my knowledge do not own a Chase Credit Card! I received a statement from Chase charging me {$26.00} for an XXXX Order Number XXXX. I called their customer service # XXXX and explained that I had not purchased anything from XXXX. This charge had escalated to {$93.00}. A letter from Chase dated XX/XX/2020 stated this account was closed to aXX/XX/XXXX balance. I assumed the matter had been resolved. My husband and I are XXXX years old and have always prided ourselves with good credit ratings. I was shocked that our Credit Score dropped from over XXXX down to XXXX! 
Please advise disposition of this matter. 
I can be located at our vacation home where we have been since this COVID thing started. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Our home phone remains the same XXXX and is forwarded to our cabin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: Utah System of Higher Education
State: UT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My bankruptcy was discharged and XXXX contacted me, I am assuming my student loans were bought by them. First person I spoke with was XXXX, he was evasive, rude, kept throwing around garnish your wages, he would call and not leave a message and when I asked him about it he would deny calling me, especially after telling me I would only be working with him. I looked up XXXX /XXXX  XXXX XXXX and there is page after page of complaints, so I was very concerned about what I would be dealing with. I finally got a Supervisor and complained about XXXX and I have advised he never to call me and I will not deal with him. In talking with the Supervisor, I am to call in back in a certain amount of days to do this or do that, as though I am a puppy in training and again garnishing your wages is always mentioned. I set up a repayment plan, after advising them I have paid off two prior student loans. I was not advised that they would take my state tax returns. We settled on a payment that would be due on the XXXX of each month and I told them the payment would coincide with my pay day, so it may be before or after the XXXX, that it would be sent. I am told that I must call them and tell them my payment is in the mail, when I mail it to them, even though there is a grace period of 20 day before/after the payment due date. So now, I get emails every other day from XXXX, saying Please read the following carefully ... ... Action is required. It then goes on to say You have failed to make satisfactory arrangements to repay your student loan ... ... it is now due in full. I was told by a Supervisor my first payment isnt due until XX/XX/2018. I have received two of these emails so far. This is by far the worst, the most unprofessional, unethical way to collect a debt, fear and intimidation and lack of maturity, that I have ever witnessed. There is apparently no oversight and I am horrified and disgusted by this treatment and I am tired of it. And, it is important to me to be anonymous, if you contact this State run company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
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: Information belongs to someone else

Complaint:
Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct 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 2020-12-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I chatted and called Huntington to close my business checking account. I am currently staying overseas, but they kept saying I had to visit a branch to close the account. I have already emptied out my account and would like to get it closed before any maintenance fee is charged.

Company response to consumer: Closed with non-monetary relief