BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX   XXXX  retaliated on  XX/XX/XXXX  after a complaint had been filed and   XXXX   allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in  XX/XX/XXXX ,  XX/XX/XXXX . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone.  XXXX  has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a  XXXX  times with different amounts when the aggregate of that account should have been used once.

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 2016-09-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Recently filed a dispute with regards to collections account, namely STATE OF MI OFFICE CHI Account Number : XXXX .... Report on experian reflects that payments are not made towards this account. The active status of this account is marked FP - failed to pay. I have filed a dispute requesting that Experian report the correct status of the account or remove it from my credit profile. State of Michigan is a government agency reporting debt of child support. This agency should be bound by The Fair Credit Reporting Act and report collection accounts accurately just like any other creditor. In my case, the account is closed and the Circuit Court has ordered payments to be made on the balance. Monthly payments have been made for the past 3 years as ordered, these payments are NOT reflected in Experians reporting. Instead each month the account reflects a declining balance from each payment and is recorded as Negative. There is no payment history recorded. See attached documents that further support my dispute.

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 2020-06-20
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a student loan from XXXX XXXX from XX/XX/XXXX. This loan is paid off and closed on XX/XX/XXXX. There was no late on this account. XXXX and XXXX never reported any late for this account.But on Equifax file a 150 days late showing XX/XX/XXXX.The previous 4 months starting from XX/XX/XXXX- XX/XX/XXXX, it shows no late.All of of sudden a late of 150 days showing for XX/XX/XXXX.If a student loan is late for more than 120 day, it goes into default status but in this case there was no default reported.If previous 4 months showing no late or payment made on time then how would it be 150 days late in just one month. Equifax has no answer for that and every time I dispute the account, they report back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Application for loan modification was resubmitted for my on  XX/XX/XXXX  since my financial situation changed and those factors were not considered in the review of application denied in  XX/XX/XXXX . On  XX/XX/XXXX  additional supporting documentation was provided t o Fay Servicing via email per request of accnt manager. O n  XX/XX/XXXX  the account manager ( or SPOC ) advised case had been marked complete and was being handled by underwriting as of  XX/XX/XXXX .     On  XX/XX/XXXX  I received a letter requesting  P & L for co ntributors since they could not provide paystubs for their income. The documents requested were sent by  XX/XX/XXXX  pe r Fay Servicings reque st. On a phone call made to the servicer on  XX/XX/XXXX  we were informed the underwriting department requested an update d  XXXX  claimin g the IRS had rejected the one we had submitted. I did not receive a letter or phone call with this request. An upd ated  XXXX  for m was emailed to servicer per request.   On a phone call to the SPOC on  XX/XX/XXXX   XXXX   XXXX  informed the underwriting department had received the form emailed  XX/XX/XXXX  and that my file was complete. He promised to follow up with a phone call within a week.   On  XX/XX/XXXX  I had not heard from servicer and had not received any letters indicating outcome or requesting documentation. Voicemail was left for SPOC to return phone call with update on this case.      XXXX  SPOC (  XXXX   XXXX   )  explained that underwriting department had been handling my case since  XX/XX/XXXX . However, since 90 days have passed since that department received the file and a decision hadnt been made, updated application and documentation needs to be re-submitted for their review.     The  SPOC  further explained that the reason why a decision hadnt been made on the case is because the underwriter department is overloaded with work since I am not heir only client, and has not been able to review the documentation provided on time, therefore documentation submitted in  XX/XX/XXXX  has now expired . SPOC gav e as an additional reason for delay on the decision the fact that I had not responded to requests immediately, or did not submit a complete application when prompted. I submitted all documentation as requested by the deadline p rovided by Fay Servicing, and Fay Servicing  has acknowledged the receipt of the documents by such deadline. Further, the fact that this case was submitted to the underwriting department in  XX/XX/XXXX  shows tha t Fay Servicing had consid ered my Application for Assistance as complete and subsequently transferred the file to the underwriting department for a prompt decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
I wished to try XXXX product so I used my master card and charged {$6.00} and received a small jar of anti-wrinkle cream instead of lash cream. There was no contact info on anything. On XXXX/XXXX/16 I received an e-invoice from XXXX stating I owed them {$86.00}. I immediately called Bank of America Mastercard and asked if a charge from XXXX was on my bill, the person said no. I explained the situation and was told I could not stop the charge but once the charge was made I could dispute it. XXXX charged my account twice for a product I did not want. I call the Bank and asked that no charges be put on my account for 3 months and was told by XXXX of Arkansas that he could not block the card and to just dispute the charges. I called back and got XXXX from Virginia who cancelled the cards and sent me a new card. I complained to the Bank and at first they took the charges off but after receiving a letter from XXXX, see attachment who said they have a tracking number for the package the Bank put the charge back in the amount of {$170.00}. Why would I want t pay {$86.00} for product that normally costs {$34.00}, see attachment. XXXX might have a tracking number but I never singed anything and did not get the merchandise. Therefore I can not return it.

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 2017-05-17
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
X/2016    ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE.    XXXX    and Equifax refused to freeze my credit per OREGON  LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximat ely five yea rs a go   XXXX   XXXX   sold my account to Carrington mortgage. I was down to last five years of the loan. It has been a  nightmare ever since. Every year they raise my payment twice. Last  one with a note that by law they can hold up to two  times what is needed in escrow account to pay principle, interest, insurance, and taxes. During these last five years, they have misapplied funds to another account and were hounding me for a payment. That took several phone calls and a week to get them to correct their error. One year I paid the escrow shortage to keep my payments down enough to be able to pay them. They didnt know how to apply so they just applied to the principle and when I paid the amount the payment should have been they started their harassing phone calls. They wanted me to pay the shortage again until they could figure out where they   XXXX   XXXX  . I didnt have that kind of money just laying around to send them so they charged me a late charge for thei r   XXXX   XXXX  . Th ey have not paid my insurance in a timely matter and I received several notices of cancelation. Every month its is something with them. Mind you I have never had a late payment in the  twenty five yea rs I have had this mortgage.     Fast forward to this year. Once again, they are increasing my payments. Not sure why because there is more in the escrow fund than the payoff on the loan. So, I didnt pay that large escrow shortage as I knew I would be paying the loan off in the next couple of months. The payment was to increase {$62.00} in   XX/XX/XXXX   and I thought it was  XX/XX/XXXX . I paid my usual payment in  XX/XX/XXXX . T hen came the harassing phone calls. I explained it was an honest mistake on my part and would include the {$62.00} dollars in my next payment. They were having nothing to do with. Even though they had my {$1100.00} they would not post it because of the {$62.00} shortage. They reported me to the credit bureau which put a hickey on my pristine credit report. I tried to work with customer service but as usual their customer service is rude and useless. So now they have {$4700.00} of my money they payoff is {$3300.00} which means they owe me {$1400.00}. Now I get a foreclosure notice not just on but four. So basically, they are trying to steal my house over {$62.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The student loan servicer Navient placed a remark on all XXXX of my credit bureau reports that my student loans are in deferment. This remark dropped by XXXX score XXXX points and my XXXX score XXXX points. This is the first time ever seeing this remark placed on any of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Original dispute XXXX regarding collections with XXXX for incorrect balance. Then paid balance in full on XXXX and issued for deletion. DUPLICATE account placed on my report and issued reinvestigation XXXX. Follow up XXXX. DUPLICATE removed XXXX. But original disputed account still remained. Reinvestigation still in process today XXXX - dispute # XXXX. Been receiving emails that dispute resolved but no letter or information on resolve. Spoke with representative XXXX and today XXXX and advised by phone call still no resolve to investigation. Both representatives issued NEW complaints with ANOTHER 30 day wait. Cycle continues. XXXX have issued for removal as well but still no changes. Latest investigation # today XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: Genesis Financial & Payment Systems Holdings, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
this company has been taking money from me for many years and the balance never decreases, i feel they are illegally garnishing my wages as i have never went to court on this issue nor have they obtained judgement, they are in another state then i reside, please help resolve the practices that i feel are illegal and causing me hardship

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX, 2017 I was contacted by IMC on my work phone ( which was never provided to them ) and I promptly told them to not contact me at work. The man that called refused to get off the phone, told me he could call me at work because I do not answer my private phone. This is because I have blocked the number because they have received payment for this debt several years ago and I am still contacted by them despite the fact that I have resolved the problem and told them as such. To date the company has never proved the debt or mailed me the requested documentation when I paid it at least 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I contained  XXXX , specifically  XXXX   XXXX ,  XXXX  XXXX  XXXX ,  XXXX . I reported a discrepancy on my credit report. Not only did they NOT respond in  thirty ( 30 ) da ys, they have refused to delete the item even though   XXXX   and  XXXX   XXXX  BOTH deleted the item ... a bankruptcy.     They are to delete the item immediately or I will sue them. THEY HAD  THIRTY  DAYS AND DID NOT RESPOND. EVERYTHING WAS SENT CERTIFIED AND I HAVE COPIES OF ALL INCLUDING BUT NOT LIMITED TO THE CONFIRMATION THEY RECEIVED THE DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  2016  ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE . Experian and   XXXX    refused to freeze my credit per OREGON LAW.

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 2015-12-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX of last year I sent Withdrawal of liens to XXXX, XXXX and Equifax to have liens removed from my credit report. It was an arduous process since XXXX lien was filed in many counties. Now on XXXX XXXX of this year Equifax added the XXXX of liens back on my report. I would not have known this but they convinced my to pay monthly for a gold membership. I do not think ti is right to make me pay for a service and monitor my report. Then have to constantly file disputes with Equifax when they are the ones who adding the incorrect information back on my report. I spoke with the employees at the XXXX XXXX register of deeds and they said that the Withdrawal was clearly stamped in red on these liens and they did not report them to Equifax. They said Equifax sends in employees to look through records, while Equifax blamed it on XXXX XXXX saying they reported them. 

I aslo requested to Equifax to keep all the Withdrawals in my file so they would not add the same lien back on that was filed in some other county that they did not report before. They said they had no way to do this and that I had to wait until it showed up on my report and then dispute it. It seems very unfair to the consumer, I should be able to prevent incorrect information from being reported in the first place. this leaves me on the hook to pay for their monthly service. 

I have filed a dispute and am awaiting their response but I still want this addressed about adding an already deleted item back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX   XXXX   XXXX    XXXX   has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from  XXXX   XXXX  site about my principal balance.     I hope im not apart of  XXXX   XXXX  discriminated against  XXXX   XXXX . Because this really make no sense to me as to why  XXXX   XXXX  is reporting incorrect balance to mak e my credit score go  down.

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 2017-05-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On  XX/XX/XXXX  I had obtained a business loan from First National Bank of Pennsylvania.  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  for  XXXX . I had fallen behind in  XXXX  of  XXXX , In  XXXX  I had caught  all 3 payments up to date, unknowingly that First national Bank filed a confession of Judgment, They had promised to remove the judgment and we paid half of the la te fees and attorneys fees. with no notice The loan was sold to a    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Texas  XXXX . I did not find this sale out until  XXXX   XXXX   XXXX , Balance of {$86000.00} when i had received a certified letter at that time we had constantly made arrangements to the payoff of our loan and another loan we were making payments on from a  XXXX   XXXX   XXXX  from another party that they were refusing to give a payoff on, after inflating our loans fees beyond our agreed contract amounts. We were forced for pay {$100000.00} on  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX , A   XXXX   XXXX    serviced the loan Providing false payoffs & he did not relea se  XXXX  filing until   XXXX   XXXX   and have not returned ou  r  XXXX  truck title s that were collateral for the paid off loan that they knew our bank needed for our closing they purposely stretched this loan out past our commitment letter date with our bank and their Attorney  XXXX   XXXX   Made false ma de damaging accusations to our new financial institution to extort us for additional funds.  XXXX  replied to our attorneys request for titles and stated first national bank had lost them and all  XXXX   XXXX   XXXX   XXXX , was copies and if we wanted the titled we would have to pay for them too them to get them and any fees associated. An absolute breach of contract documents we signed and were extorted over above. the loan was paid off 4 month early.     With respect to the titles,  XXXX  never had original vehicle titles, FNB misplaced them and all  XXXX  has is copies of the titles. There are costs associated with title replacements and as far as  XXXX  is concerned, tha t is   XXXX   XXXX   expens e if they want the paper titles.      XXXX   XXXX   XXXX ,  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Phone :  XXXX  | Fax :  XXXX   vCard | Bio |  Website

Company response to consumer: Closed with explanation