BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency reported to my credit a debt that does now exist because information on my insurance was given to progressive and account was satisfied prior to the listing and collection agency never sent a letter to verify debt or they would have known that also not even one call to my number. I feel this collection agency violated the federal debt collection practice which is there to protect the consumer I feel they should be fined as a base of XXXX violating the law its said how this collection agency feels there above the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid my mortgage to SLS online as I usually do but paid a minimal amount thinking I was at another account site. I immediately realized what I had done and went back to the SLS site and paid an amount that would make it so I had paid a full mortgage amount. 

When I looked at my banking account SLS had taken the larger amount that I paid ( to balance out the first payment ) and then also took a full mortgage payment out of my account. When I called and asked how did they get into my account to take the mortgage payment ( I have signed no authorization for access to my account ) they stated I had made the payment - which is not so. They immediately offered to return the larger payment ( the payment I made to balance out the first and make a full payment ) ; they never mentioned the first payment I made and it did not come out of my account. The representative I spoke to said the payment would be mailed out XX/XX/XXXX. 

I called back when I realized I had not gotten a confirmation number or reference number for the reimbursement of my money only to be told by the SLS representative that they do not give confirmation numbers or reference numbers for tracking interactions ( this I consider a problem and a way to not acknowledge issues ). What this representative did give me was the " teller '' number of the first person I spoke to - number XXXX. But this representative gave me XX/XX/XXXX ( not 11 like the first person said ) for the return of my money. 

XX/XX/XXXX not trusting the integrity of this company and especially after finding there were 782 complaints against them at your site, I called to verify the check had been mailed out. Now I was told by a representative ( XXXX ) the check would not be mailed until XX/XX/XXXX. This transaction of theirs has cost me ck fee because it caused an overdraft of my account. I not only want my money returned but I also want the check fees that were charged to me because of this. 

I do not understand how this company can have so many complaints and still exist. There are many complaints online but I don't know if these people know the correct channels to file a complaint. I believe if they did you would receive many, many more.

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 2021-11-05
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with GMFNANCIAL XXXX Balance $ XXXXThis was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: SN SERVICING CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to coronavirus, my family has been struggling to pay for our mortgage. We applied for COVID 19 forebearance assistance with lender SN SERVICING CORPORATION. They did not approve us for assistance. This is ridiculous. 

They made us fill out an application and fax documents to prove our hardship. No other lender does this in America. Yes, we were behind in XXXX, but the lack of work due to lockdowns in Illinois, only furthered our ability to pay. 

Instead of helping us, they denied us, and now I am stuck with many, many late charges and unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage information : Lender/Servicer : Mr. Cooper Loan Number XXXX I recently received a letter from my mortgage company dated XX/XX/XXXX and received on XX/XX/XXXX which states " Our records show that your hazard insurance expired, and we do not have evidence that you have obtained new coverage. ( in bold ) Because hazard insurance is required on your property, we plan to buy insurance for your property. You must reimburse us for any period during which the insurance we buy is in effect but you do not have insurance. '' On XX/XX/XXXX I had my evidence of insurance faxed to Mr. Cooper and I called them at XXXX XXXX  on XX/XX/XXXX I spoke to XXXX to notify them that I have insurance and evidence was faxed and to not buy insurance on my behalf. I asked XXXX to put detailed notes on my file. 

On XX/XX/XXXX at XXXX XXXX I contacted XXXX in customer service and she confirmed that they received my evidence of insurance and that my account has been updated. I requested a follow-up letter to be sent. She informed me that she is not capable of sending a letter. I asked for her manager who wasn't in work yet and would call me when she arrived. Her name was XXXX XXXX and she never called me. 

On XX/XX/XXXX at XXXX I called customer service and spoke with XXXX XXXX He understood the situation and told me he would patch in the escrow department, specifically the hazard department and I spoke with XXXX. XXXX confirmed insurance will not be purchased but she " can't '' send a letter confirming. I explained that the letter Mr. Cooper sent me specifically stated that they plan to buy insurance and that I require a letter stating they are not going to buy the insurance. She told me that it's policy not to send a letter. I hung up on her. 

My concern is that someone in the organization may pick up the file and mistakenly purchase the insurance and all I have is " he said, she said ''. I think a brief letter stating that Mr. Cooper will not be purchasing the insurance is a reasonable request and my protection. I tried contacting the executive offices but you can only be switched to customer service or the line automatically hangs up. There is no other contact information for any of the management team as Mr. Cooper management has no inclination to be bothered by their customers. If I had the option I would get rid of Mr. Cooper as fast as possible. 

Can you please assist me in receiving a letter from Mr. Cooper stating that they are in receipt of my evidence of insurance and hazard insurance will not be purchased on my behalf. Thank you for any help you can offer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland credit agreed to delete the account from all three credit bureaus if the account was resolved. The account was paid as agreed by their attorneys within the specified time frame. Midland credit has failed to remove the account and shows a past due balance although the account has been resolved in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: AMERISAVE MORTGAGE CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with a loan originator and processor and the process was very confusing to close on the loan. There was a lack of transparency. The loan process seemed predatory in nature. I began to have serious doubts Amerisave would be able to close on time per the purchasing agreement. I ended up deciding to cancel the loan with Amerisave and going with another lender where the process was much smoother and way more transparent. I am concerned about the loan disclosure with Amerisave stating, " This Agreement also can not be changed, modified or cancelled except by a written modification signed by one of AmeriSave 's Authorized Representatives. '' The other lender I decided to go with had an expiration date for the disclosure agreement. When I decided to go with the other lender, I emailed the loan originator at Amerisave stating my cancellation of the loan and requesting confirmation. I got no reply from the loan originator. The sales manager called me soon after the email and began to argue with me over the phone for an extended amount of time only to give me a verbal cancellation. I think Amerisave 's predatory nature against inexperienced consumers is wrong and more consumers should be warned about them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-23
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage is in my ex-husband 's name only because he purchased the house two months before we got married. Now since we are divorced the judge awarded me the house XX/XX/XXXX. I have tried everything to get the mortgage company Dovenmuehle Mortgage ( loan servicer ) to turn the mortgage into my name but they keep telling me my ex husband need to fill out the loan modification. I also mentioned the acceptance of loan modification based on me being the successor in interest but, I was told they will not accept it.

The reason I fell behind with the note, my ex husband was ordered to pay six mortgage payments last year to bring the mortgage current but he never followed the judge orders during our divorce. 
Currently, the mortgage is in default held by the holder XX/XX/XXXX. I was told by Dovenmuehle Mortgage I have 37 days fromXX/XX/XXXX to pay the default in the amount of {$7900.00} to satisfy the account or foreclosure procedures will take place. Since then I talked with the mortgage company and they informed me that another mortgage note was added in the amount of {$490.00} ( this is the normal payment ) but for the repayment plan the amount of the note was {$850.00} which became too much of a struggle to handle when my child support payments fell behind. 

I need Dovenmuehle Mortgage to immediately turn the mortgage over to me ( as being the successor in interest ) with the normal payment put back in place and whatever amount is in default add it to the back end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX  credits cards with chase bank. They were in good standing. I received a letter from Chase that they were closing the account because they no longer do business with non-US government officials, their families or close associates. I am a US citizen, not affiliated with a foreign government. I have a friend who is and is also a US citizen. I handled his finances in the US for him and his wife. We had a joint checking account. This account was also closed. When I called chase I was told they do not have to have a reason for closing an account. Yet, they gave me a reason and it is pretty much based on the fact that I know someone who lives abroad and is a civil servant in that country. That is unacceptable and a violation of my right to associate with US citizens regardless of where they live and what work they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XX/XX/XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX XX/XX/XXXXout the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by XX/XX/XXXX XX/XX/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 2021-10-08
Company: FirstPoint Collection Resources
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written several disputes to FIRSTPOINT COLLECTION RESOURCES INC, and they have never responded at all. I have no idea who FIRSTPOINT COLLECTION RESOURCES INC is or why they are on my credit. I have rights! I demand that you help me! They are not allowed to report accounts that are not validated to the consumer! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: M&T BANK CORPORATION
State: MD
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:
M & T Bank has a 30 day late payment on my report for XX/XX/2017. This information is incorrect as I should have 100 % payment history on report. I reached out to M & T bank they could not pull my records the first call. The 2nd call I was told that they do not and can not remove the item. 

I would just like this incorrect info removed from my report

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 2021-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted my documents on XX/XX/2021!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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: Was not notified of investigation status or results

Complaint:
I pulled up my credit report in XXXX using the XXXX XXXX XXXX XXXX website and saw this debt collection from XX/XX/XXXX from XXXX XXXX XXXX being reported on TransUnion and XXXX. I reached out with a XXXX letter and asked them to validate it on XX/XX/XXXX. It has been over 30 days and i have been completely ignored. They have sent me any information whatsoever and this stuff is still on my credit report. I called the collection company and they couldn't validate anything for me either. How is it still on my report if nobody can verify it as mine .... The only way i can get help is to have you force them to tell me something. ITs been over 30 days and everyone is ignoring me and stressing me out. This has to be a Fair Credit Reporting Act violation right? Nobody seems to care that this is hurting my credit report. Validate it or remove it, and they can't validate it bc it is not mine!

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 2021-05-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a civil suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
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:
I had a foreclosure with a company but it is showing up as 2 separate accounts on my credit report. It is damaging my credit because it appears as though i had 2 foreclosures when i actually only had 1. I've tried correcting the reporting with the company and the bureaus but have been unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am extremely frustrated at this point! I have tried to be as professional as possible and its seems that the nice people ALWAYS get over looked and the end of the XXXX stick! These false reporting accounts on my credit report has been an extreme distress to me and my family and has been hindering me from taking care of my family and getting approved for housing and sooo much more you cant even imagine!! 

These accounts need to be removed from my account IMMEDIATELY!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
SOMEONE USED MY IDENTIFICATION TO OPEN A FRAUDULENT CREDIT CARD ACCOUNT IN MY NAME AT BANK OF AMERICA.

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