BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: SERVICEMAC, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had to replace the roof on my mortgaged home. Service Mac, the mortgagor, required the insurance company to issue all checks jointly, less my deductible which I paid directly to the roofing company. Insurance company issues 2 checks for additional work, jointly, and the work had been completed ( roofs took a day ). I executed the affidavit of completion, had it notarized, and the mortgage company is in agreement that the work has been completed and is satisfactory. 

The problem is now with the joint checks. I have mailed them in to have the checks endorsed and returned, as originally instructed verbally. Service Mac returns them and finally I understand they want me to endorse the check, then they will endorse and return to me in the mail. Once I understood this, I explained, as an attorney in 2 states, that this is very risky, as a fully endorsed check is essentially cash, and I would never mail thousands of dollars of cash through the mail. I offered two ( 2 ) solutions, 1 ) they endorse the check with no endorsement by me to return a partially endorsed check through the mail, or 2 ) They receive my endorsed check, deposit it, and reissue a check that is not endorsed to either myself, the roofing company, or even a joint check.

Service Mac draft loss department insisted that the only path is to mail a fully endorsed check back to me. I asked to be indemnified in the event the checked is cashed by a third party. They refused to do this as well, indicating that the loss would be on me, personally. At this point, my home owner 's insurance company has issued the funds to pay for this work and the vendor, XXXX XXXX, who did a fantastic job and is patiently assisting me by communicating with insurance and Service Mac, is owed these funds on my behalf. They will have no choice but to file suit or send me to collections soon in order to protect their right to payment. 

This policy is ill-thought and risky, putting mortgage holders at risk for financial losses they can not insure or protect themselves from. It has caused payment delinquency and subjected me to liability for a debt suit that would cause me further financial harm. As I have been unable to reach an individual at the company who can craft a solution to transfer these funds in a responsible manner, I have been advised by a colleague in the mortgage sector to file a complaint here to encourage swift resolution.

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 2021-03-02
Company: Chime Financial Inc
State: GA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
My name is XXXX XXXX someone hacked my email and chime account with XXXX dollars in it I called before this even happened and told several representatives it was not me making changes on my account they said they couldnt do anything about it and they can just send me XXXX to my sister account Im homeless and stranded as of right now with XXXX kids if you cant help me with anything within the next 2 hours I will be taking farther actions contact XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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 recently found out that my information was stolen. Someone has used my identity and opened these accounts. XXXX XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00}. I have filed an ftc report and spoke with the creditors about these matters and they have refuse to remove them. I did not open these accounts and I have never used these accounts.

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 2020-06-06
Company: EQUIFAX, INC.
State: VA
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:
XXXX is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under XXXX ( see attached statement from XXXX, page 2, under lender details ) in XXXX. It went into repayment per the promissory note in XXXX, and it has never been paid or brought current. From XXXX I was in chapter XXXX bankruptcy. XXXX purchased the loan & re-aged the account after my chapter XXXX bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XXXX. The account is scheduled to be removed in XXXX, but it should now be deleted due to its age. 
I have attached the account statement & my chapter XXXX bankruptcy documentation. 
I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}. 
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.

I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am trying to obtain Parent/Student Loans for my XXXX sons entering college this fall. I was DENIED because TSI has a hold on this account. I called them on Friday, XX/XX/XXXX. They said I owed {$340.00}. They told me this was part of the US Treasury Debt. I said I had paid this debt in full and will attach the documentation. They said this is just the interest left over. They said I still owed {$340.00} on Friday, XXXX XXXX. Blindly, I paid this amount via my debit card to TSI in  full. TSI said once they receive payment, I would no longer have any further penalties. They also said to check on Monday, XX/XX/XXXX to make sure that my payment cleared. 

This situation started because I owed the US Treasury and HUD {$230000.00}. On XX/XX/2019 I was told by Treasury that if the debt was paid in full I would not receive any further penalties and interest. The law firm paid the debt in full. The documentation attached, the Certified Check, will prove this was paid. The check had to be sent to Treasury no later than XX/XX/XXXX. It was at Treasury on Monday, XX/XX/XXXX. 

The bottleneck is at Treasury. The Treasury has not cleared the check. Today is XX/XX/XXXX. TSI is continuing to bill me interest. This is not something I can control. And, it is not fair that I am being charged MORE for something that I am not causing. 

Further complicating this issue, is on Monday, XX/XX/XXXX when I called to see if my payment cleared, TSI said it did. However, more money is due. WHAT? They now claim I own an additional {$170.00}. It feels like ransom. The Treasury check isn't clearing so TSI is still charging. 

I have been getting phone calls and hang-ups from the NJ phone number ( XXXX ). It's harassment at this point. They won't listen to reason. The folks on their side have no clue how to explain what's happening. I have been talking to many people at TSI and no one seems to understand the issue. They are completely incompetent. When I asked them to show me the Burden of Proof of Debt they  were stumped. I figured out what the issue was and asked them to see if the Treasury check cleared. Sure enough ... YES, that's the problem. It's because the Certified Check for {$230000.00} hasn't cleared! And now TSI thinks it's ok to continue to charge me for something I can not control. I have done EVERYTHING Treasury has asked me to do and TSI has asked me to do as well. I am beyond frustrated.

I have two sons who need their Parent/Student loans and this company, TSI, is hindering this process. My children and I should not suffer at the hands of people who are completely incapable of understanding the situation I am faced with and incompetent in doing their jobs. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: MI
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:
THIS IS NOT BA DUPLICATE COMPLAINT -- ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce. 
So not only was an affidavit never returned to me but ON XX/XX/XXXX the company responded ( ( Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ) ) As you can see Equifax again, totally failed to respond directly to the complaint. I as the consumer fully understand that a furnisher of information can be MORE THAN ONE entity - so although there may be other reporters- Equifax is ALSO a reporter. Unless Equifax can validate that the information they are reporting is true ; they too are at fault for violating my consumer rights. They also stated that results were mailed to me.I am requesting proof of mailing. I have not received at any point any information regarding my complaint. This is considered falsification and this too is against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been fighting this since XX/XX/2017 I filed BKPT, but did not include my car of my apt.. I have repeatedly sent the bureaus information which shows that these 2 items were not included, yet XXXX  refused to remove them as a negative item included in BKPT the same for Transunion, although Transunion did remove the car as a negative they still show the apt as being included in the BKPT, I dont know how else to ask them to correct the information

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 2021-01-25
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP if this is not removed!

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 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2019 I submitted a dispute ONLINE WHICH shouldve taken 30 days to complete! This was a direct dispute which I have verification that I submitted that dispute! Meanwhile Ive gotten no update which in the previous complaint that submitted and TransUnion responded that they emailed me in my email. NO THEY DID NOT! Then they sent a letter out saying they were unable to determine the nature of your request or my request was illegible. This dispute was INITIATED ON XX/XX/2019. After checking the dispute status ON XX/XX/2019, I sent a Certified letter that same day which they received on XX/XX/2019 at XXXX XXXX.! 

On the previous response TransUnion stated that : According to our records, we received your initial request on XX/XX/2019 via online and initiated investigations into the disputed items. The investigation results were emailed on XX/XX/2019 to the email address provided with your disputes. Which is a lie because Ive checked every single email I have and spam folder and its very ironic they say it was completed 2 days before the initial end date meanwhile I still have proof that investigation has not been completed!

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 2020-06-06
Company: TRUIST FINANCIAL CORPORATION
State: DC
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've encountered severe unemployment and business issues as a XXXX american suffering from discrmination. 

I shared with BB & T these matters in XXXX. 

I sought a workeable repayment plan or a way to settle the account for less than the amount owed. 

I like many Americans, started having Covid-19 effects on finding employment and a business I pursued became unable to function. 

XXXX Americans have had tremendous issues getting the PPP and the otehr CARES programs are still virtually unavailable to us. 

I've called BB & T multiple times in XXXX, XXXX, XXXX and today trying to ereese negative information and setting up a workout solution. 

I can't get anyone to take my call, correct my credit report, give me data to clear this from my credit history, and work this out. 

I called BB & T this past week ( Week of XX/XX/XXXX ) more than 6 times. No replies, no personell, no date, nothing.

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 2021-09-20
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing this formal complaint as I have asked FedLoan Servicing to review my case to include past payments made under the income based repayment plan. I made several payments listed in the attachment to my lender from XXXX XXXX. None of my payments are being counted toward my loan forgiveness even though I had the same employer under which 4 payments with the lender XXXX XXXX are being counted toward my forgiveness. After XXXX XXXX, my loans were sent to FedLoan Servicing. I submitted the payments from XXXX for review 4 times and though I was making payments under the income based repayment at my qualifying institution, they refuse to count them. They specifically asked me to show proof of the payments by downloading the payments from the website at XXXX and submitting them to FedLoan Servicing. I have done this several times. I would like to submit a complaint of dishonestly and fraudulent claims by FedLoan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are some accounts listed on my credit report that do not belong to me. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file

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 2019-11-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested numerous times in writing, verification of the fraudulent debt over the past 6 months. Wakefield and associates have refused to provide me with any proof that I owe them what they claim I owe. XXXX  and XXXX refuse to remove the unverified debt where as XXXX  does not list the debt. How is it possible that 1 agency has it correct while the other 2 do not? No matter how many times I ask for proof of the debt the collection company and reporting agencies refuse to provide any form of proof. This needs to be removed immediately as I am not aware of the debt. Wakefields refusal to offer any documentation supporting this false reporting should be punished. The credit reporting agencies who allow this false information to be posted should be held accountable for this as well. 

How is it possible to post something to a consumers credit report without providing any proof that I am responsible for this? 

I have sent several written requests with certified mail requesting some form of proof that the debt is in fact mine. This account without verification is identity theft.

Company response to consumer: Closed with explanation