BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in the mail from a company called The Law Offices of Mitchell D. Bluhm & Associates , LLC. The letter is dated XXXX XXXX and describes a debt that is attempting to be collected from dates of service XXXX and XXXX with a company named XXXX XXXX at XXXX XXXX in XXXX, AZ. I am a very financially responsible and organized individual who pays any bills owed as soon as possible and have incredible credit history with no overdue bills in my life. I never received a bill from XXXX XXXX back in XXXX  and this is the first that I am hearing about this outstanding debt. I spoke with a woman at The Law Offices of Mitchell D. Bluhm & Associates , LLC this morning ( XXXX ) and she told me that I can dispute the claim if I'd like ( for the amount of {$210.00} ), but that my credit will still be hit on XXXX regardless. Her solution was to file a police report if I don't believe that the debt was mine. I next called XXXX XXXX 's billing department and spoke with a woman there the same morning ( XXXX ) and she stated that I have no outstanding balance with them and that it shows that everything was paid in full by my insurance from those dates. She mentioned that they use another company for their imaging and that I should try getting in touch with XXXX XXXX to see why they sent me to collections without ever sending me a bill. I tried contacting XXXX Partners on XXXX and after several minutes of the phone ringing, my call was disconnected. I researched both XXXX XXXX and the Law Offices of Mitchell D. Bluhm & Associates , LLC, and I read several XXXX reviews and complaints with the XXXX  which state very similar situations to mine. It seems many people have received notices from this debt collection company for dates of service from over 2 years ago and had not received any notices of outstanding bills prior to hearing from the collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX received email from Navy Federal Credit Union that an account was opened and that I would be receiving my debit card. 
XXXX XXXX received email from Navy Federal Ctedit XXXX XXXX my new account. 
XXXX XXXX. Called Navy Federal Credit Union and reported fraud. They processed my claim and will investigate. 
XX/XX/XXXXXXXX XXXX XXXX XXXX Reporting fraud on the Federal Trade Commission website

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 union monitors my credit report changes and notifies me. I received an email from my credit union that there had been a change on my Transunion credit report. I had not initiated anything. I printed my Transunion credit report and discovered that a derogatory, inaccurate account with XXXX Bank had been added. Two ( 2 ) concerns : 1. I have never had any type of account in my name with XXXX Bank. Delete record. 
2. At one time my wife, XXXX XXXX XXXX XXXX deceased ), held a XXXX Bank credit card. 
She had been an accountant with several, small companies and always kept the billing well organized. I am a mechanical engineer, earned the majority of our income and paid the bills online from our joint checking account, according to her organization. Never late. The Transunion credit report account entry from XXXX Bank shows a last payment on XX/XX/XXXX and a past due balance of {$5300.00}, charged off. She passed away in XX/XX/XXXX. I do not have her XXXX Bank account number and would not be four ( 4 ) years delinquent. The partial account number listed on the Transunion report is XXXX. If this is her account, it is completely inaccurate, as she always made small charges and I paid all invoices on time. XXXX Bank must revise credit reports in her name to indicate " Paid-in-Full '' and never late. 

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 2023-04-07
Company: Rocket Mortgage, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a follow-up to Complaint # XXXX which was closed by way of the CFPB " parroting '' the Data Furnishers ' assertion that they are right and I am wrong. 

This document was sent this morning by certified mail to Rocket Mortgage. 

Rocket Mortgage violated the CARES Act and subsequently and separately, the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Myvemo debt acct is lock and no one can tell me why. They are sending me back and forth.telling me to a number where no one can answer XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE, Opened XX/XX/2010. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( ( ( ) ) ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The FedLoan Interest Rate and Capitalization Scam. 

It all started when my income based repayment schedule was up for renewal. I paid up to the maximum interest for the federal tax credit for the year. I called FEDLOAN servicing to find out if I could switch to a different plan to extend the amount of time I had to repay the interest before switching to a standard repayment plan. 

The representative on the phone not only told me that I could switch plans without the interest capitalizing, he went so far as to walk me through the application process while on the phone to make sure it would go through. ( XX/XX/XXXX ) It went through. But they capitalized {$720.00} worth of interest ( XX/XX/XXXX ). So I called back. A supervisor told me to send a letter stating what happened which would be reviewed by PHEAA for action. Suggesting that because it was because of FEDLOANs misinformation that the actions could be reversed. ( The application ends on page two. The one liner that says interest will capitalize is on page eight of the instructions which you wouldnt see when you fill it out on the website. ) Ive spent countless hours on the phone with fedloan trying to solve the mystery. In the meantime the penalized my account in the following ways : They put me on forbearance. 
They assigned me a penalty interest rate. 
They pushed my PSLF date back two months. 
They capitalized my interest. 
They switched me on the more expensive REPAY schedule when I never applied for involuntarily. 
They forced me to pay my loans out of order so that the forbearance interest wouldnt get capitalized. 
When I submitted my forbearance interest payment they applied it incorrectly. I followed the instructions on the interest letter and they sent monies to every loans principle balance which goes against specific instructions Ive given them in writing about how to apply any monies received towards my loans. 
They have now sent me another interest notice ( XX/XX/XXXX ) that there will be further capitalization even though my interest balance is XXXX. 
Over two months later and I cant get a coherent FEDLOAN rep on the phone. 

They also do not respond to letters that are sent to them via the debtors portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: MIDFIRST BANK
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Midland Mortage a Division of Midfirst Bank in Oklahoma held my Mortage Acct XXXX XXXX for a few years. During this time they sent in a negative credit report for an alleged late payment that had to be corrected by them. Now again they have negatively impacted my credit by putting in 3 months of late payments on the Big 3 credit Bureaus for XXXX, XXXX and XX/XX/2023. My loan was paid off on XX/XX/2023 with the sale of my home. I also called them prior to the sale of the home to inform them that this sale would be going thru and asked if I needed to make a payment in XXXX and the agent stated that as long as it was paid in full by XX/XX/ that it would be fine and that he would note the account. Clearly this didnt happen on Midlands parXXXX. I called Midland today and spoke with an agent and she stated that their system doesnt show any negative reporting but sometimes things happen and she would note the account accordingly. I am working with XXXX XXXX now trying to finance a new home and these negative impacts have me at a stand still until resolved because their credit pull reflects the 3 recent late payments on a paid off 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 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, Transunion, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in 2012 that none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ XXXX for XXXX or transunion.com that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.

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 2021-01-21
Company: Shellpoint Partners, LLC
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:
On XX/XX/XXXX my bill for account SHELLPOINT MORTGAGE SVC, XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports.

On, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On, XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2023-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to XXXX XXXX, Bank of America, XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth.

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions. 

All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act 1. XXXX Acct # Card ending in XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # 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 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
somoene deposited a fake check it went thru. they spent the money explained to XXXX it was not me and had no knowledge they opened a claim never did anything about it froze my account and took my direct deposit money and would not give me my paycheck back. they have been giving me problems since XXXX and i recently been fed up because i had funds in that account and i can no longer access them because it went to the negative balance. i told them multiple times i had no access to my debit card and they never resent me one on my new address.

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 2020-02-11
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HI, I have several problems with this company that need to be resolved. I contacted this company XX/XX/XXXX by phone to discuss an annual disclosure account letter that i received dated XXXX stating that there was an escrow shortage due on our account for {$130.00}. it mentioned that our payment would increase to {$1600.00} if it wasn't paid and it would decrease to {$1600.00} if the shortage was paid. Then we received our annual tax statement around XX/XX/XXXX showing that we have an escrow tax refund {$57.00}. We would like to know what happened to this refund as we never received it. And how do we have a shortage on our account and then we received our annual tax statement showing we have a refund. 

Second problem I contacted the company by phone XX/XX/XXXX also to discuss the late charges balance that is sitting on our account. Every time I go to setup up or monthly payment it shows an amount of {$230.00}. I had the rep review our account and i advised the rep the only time that I was aware that our payment was late was back in XXXX when we try to have our payment deferred due to us experiencing a financial hardship due to XXXX having XXXX in XXXX which caused us to get behind in our bills. The company wasnt able to offer us any programs and said we didnt qualify for any. Luckily we were able to borrow the money from our parents and catch up our mortgage. I called the rep over the phone back in XXXX before i made our payment and was advised that they would waive the late charge in return for me making the mortgage payment which i did. The rep that i talked to in XXXX said we were also late in XXXX which i wasnt aware and I kindly asked the rep to waive the late charge which they did. We had a total of {$110.00} of late charges waived on our account. I sent an email to loancsare for someone to review our account. However the document that we received does not show {$230.00} in late charges. There is a balance of {$170.00} on our account that loan care can not explain where it came from. We would like this removed. I have attached all the documents that we received from loancare. We would like this resolve asap as everytime we directly try to reach out to loancare the issue doesnt get resolved. Which is the reason we are filing a complaint with the consumer protection bureau.

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 2023-10-11
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae has been calling me every hour from XXXX every day, along with my family. I am making payments and have called and told them to stop harassing me and my family and they promise they will and then an hour later I get another call. I have also asked for payment plans or help in any way and they send me emails and letters and once I call them they say I am not eligible but yet continue to send the letters. They are unwilling to help and harass you even if you are MAKING payments. You can never get ahold of a supervisor and they tell you someone will call you and you have to keep following up and still never get a call from a supervisor. The blatant harassment and the way they talk to people should be illegal. They will not work with someone even though they are charging high-interest rates and expect a person in the economy we are in to make payments over XXXX  XXXX a month. They have said the only options are to be disabled or XXXX  to get any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: FL
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 reviewed my Equifax report and saw that I had duplicate inquires that I did not authorize. I tried to resolve with the credit bureau but they would not help me take care of the negative inquiries reporting on my credit report. Below are the inquiries as follows with dates. 

XXXX XXXX XXXX inquiry date XX/XX/19 XXXX XXXX inquiry dates XX/XX/19, XX/XX/19, XX/XX/19, XXXX XXXX date XX/XX/19 XXXX XXXX XXXX dates XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation