BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I make monthly payments to PayPal Credit. They claim I am past due and assessed a late charge on my account and raised my payment. In the pay history it is clear that I pay every month as I see all my payments posted. They are not helping me through their customer service channels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly requested an investigation into fraudulent activity on my credit report with Equifax. An onslaught of fraudulent inquiries remain on my credit report and wish for them to be actually investigated and removed. It is illegal to keep these on my report and dragging my score down without any attempts from Equifax to even look into them. All I get are immediate responses of the same " inquiries are a factual record ''. XXXX and XXXX both looked into these inquiries and had them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint Mortgage Servicing Corporation refuses to pay our property taxes. I have had a mortgage with Roundpoint Mortgage Servicing Coroporation for XXXX months. No taxes have been paid the entire time. I have contacted Roundpoint Mortgage Servicing Coroporation every day by phone and email for 14 days. No resolution of the unpaid taxes. 
I now have late penalties and a pending lien on the property due to Roundpoint Mortgage Servicing Coroporation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender, Carrington Mortgage Services ( CMS ), has improperly reported to credit reporting agencies that my account is in forbearance, which is absolutely false. I have made every payment in full, and on time, and I have never requested a forbearance. The forbearance prevents me from refinancing my mortgage with another lender. When I informed CMS, they stated that this was an error, and they would correct it, but they refused to provide me with any documentation stating this was reported in error to the credit bureaus. They stated it would take at least 30 days for something in writing to be provided to me, thus preventing me from refinancing my home and saving approx $ 300-400/month. 
Additionally, CMS customer service informed me that there were many other customers with the same problem. It then occurs to me that this is a financial tactic by CMS to prevent customers from refinancing their homes. In my case, I purchased a very underpriced home, with CMS as my lender, with a no closing cost product. Now 6 months later, Federal lending guidelines permit me to refinance, and it is very advantageous for me to do so. I would eliminate PMI, and interest rates are easily 1.5 % lower now, than my initial rate. CMS would lose money on this deal, and it is my assertion, that they are deliberately reporting false information to the credit agencies in order to prevent me from refinancing, so they will not lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors University XXXX, XXXX, and XXXX. and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have some credit inquiries that are related to none of the aforementioned permissible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. Equifax and XXXX. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried to apply with several lenders and they all tell me that my Equifax report is blocked. I have spoken to Equifax and they deny that the report is blocked. That said, it clearly is blocked because I am getting the same response from several lenders. The lenders can not access the report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Riverview Law Office, PLLC
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was forced by XXXX Hospital in XXXX MN to receive a XXXX I told them I did n't want and could n't afford. They said if I did n't let them do whatever they wanted they would have me arrested and posted an armed police officer in my room who threatened me until I agreed. Then they send me a bill for over {$4000.00}. I refused to pay the bill and informed them why I was refusing. They have since sued me without informing me of it and have started garnishing my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was selling to a Broker the house. I was behind in payments because of unemployment and rather sell than have property repossess. The Title company paid XXXX early ( as agreed ) the full amount of the debt. The check was received XXXX XXXX, ( the title company had until XXXX XXXX to pay and get the property ). Now on the XXXX of XXXX XXXX sold my account to Caliber Home Loans. In XXXX I received a letter that I owe XXXX cents plus {$1000.00} on interest on a 30 yrs. mortgage. The XXXX cents were " sold '' by XXXX? Now the check was processed by XXXX on the XXXX eventhough the " property and loan had been sold to sister company Caliber H L a day before. My debt is going up exponentially. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I ordered a product that turned out to be not as advertised. I returned it using the return shipping label that was provided in the package. I tried to resolve this with the seller, who said they run into these types of problems all the time and would refund my purchase minus a 20 % restocking fee. I told them the product was not as advertised and I was owed the full refund. Then the seller said I need to register my email with paypal in order to receive a refund. When I told them I was registered as such, they said they could n't find it and they had " to move on '' and would " not respond to any more emails ''. By that time, it was outside the window in which Ebay could have helped. Paypal said they would help but they need the tracking number, but I explained that the seller would have that because they issued the return label, but they do not require the seller to help resolve this, so no help. I am out my money as well as the product and I only did what was normal, return a product using the label provided by the seller. Paypal could and should refund my money. Paypal protects sellers who are crooks and scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount that was given and talk over is n't the amount 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 2023-02-05
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Vystar Credit Union in the month of XX/XX/2022 while converting their online systems, failed to proactively send credit card statements to any clients who were set up for edelivery and the ability to speak to anyone to arrange payment required a hold time of over an hour with no ability to be called back. 

I was hospitalized and unable to reach anyone during the time I was able. 

When the system did come back online there was no access or viewability of our credit cards. When I finally spoke to someone I said they needed to reverse the charges and adjust my entire credit reporting and my available credit lines. 

It took 3 phone calls to get access to my credit-card restored but in the meantime I was having my credit lines decreased left and right because they reported my delinquency despite HAVING NO WAY TO PAY THE BILL EXCEPT FOR GOING INTO THE BRANCH! 

They refused to reage the account and correct their reporting and this caused me to financially and mentally spiral as I needed the funds for necessary house repairs. 

My credit score prior to this event was XXXX. I am now down into the 600 's and now jobless. 
None of the creditors will make arrangements either due to the negative credit history I have now been saddled with.

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 2022-05-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act Convergent Accounts/ Inquires has violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT OF ED/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 2022-05-26
Company: EQUIFAX, INC.
State: GA
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and the last reported is not accurate.This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 ; it also states as a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 90 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Paypal Holdings, Inc
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I inadvertently responded to a XXXX " promotion '' online with an attached requirement to open a PayPal Credit account. I have received no services from XXXX and only an ongoing battle with PayPal Credit about the interest charges. 
Exasperated with both companies, I have reluctantly paid both charges -- the initial charge of {$170.00} and subsequent interest charges of {$26.00}. But I am appalled at the fraudulent behavior of these companies and wish to submit this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX items on my equifax credit report for XXXX that donot belong tome. XXXX of them appear to be for the same thing at {$72.00} and the other is {$210.00}. XXXX has already removed all XXXX items because they were not mine and would like equifax to do the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America was servicing my mortgage up until XX/XX/2014. Bank of America made it blatantly clear that I would have a new mortgage company which is XXXX XXXX, effective XX/XX/2014. I have received to correspondences from XXXX XXXX, XXXX from the office of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. According to the court documents they are representing Bank of America in a foreclosure on my property? I am confused ... because all of my monthly statements are with XXXX XXXX ... looking at the court documents ... I see that XXXX XXXX is not with current events because XXXX is still listed along with other items that should not be listed ... the mere fact that these items are listed I am wondering why XXXX XXXX who claims to be representing Bank of America is harassing me. I am in the process of deeding my property back to bank ... .that bank is XXXX XXXX XXXX If you review the responses and history you will see where Bank of America disassociated themselves from the issues I had with them when they transferred the property to 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 2016-07-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After a big mess up with my military benefits and school loans, I found out how to access my credit score and I was in the process of repairing my credit as a result. In the process, I noticed that SEVERAL hard inquires were made, XXXX. They were on or near the same day and not done with my permission. I contacted said businesses and questioned them about why such inquiries were approved. I found out that someone ( thankfully that I know ) who had access to my SSN was the culprit. When I asked why a form of photo identification was n't used, I received the same answer resembling that of using paper applications and that there was nothing that they could do. I was perplexed because I just bought a car, and was asked for some form of I.D . among several other personally identifying documents. I proceeded to contact Equifax directly via their online dispute application. Due to my dispute now being expired, I am unable to view it and repeat verbatim what my reply from Equifax was after their investigation, but I am now faced with basically " sucking it up '' after being told that the hard inquiries would not, in fact, be removed as it was an accurate depiction of my credit being requested and then granted. I 'm not proficient in matters such as this, so I may be naive, but I thought companies like this were able to help you in the case of identity theft. Thankfully, I do know the individual responsible, and know that they have a criminal background so I can let the authorities handle that part, but it 's infuriating that my only option, in the eyes of Equifax , is to wait out the 7 years until it drops from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
The firm Pressler & Pressler is harassing me treatened they are keep sending letters from a debt collecting agency they never rest knowing that they put false default judge against myself in the court which they probably file online, they is money randomly from people who work hard to pay their bills, I already prove them that the false statement of the debt is not mine they took {$450.00} from a bank account I had with XXXX XXXX the motor vehicle send me a letter that I can not do noting with my car, I have my mother sick also I got to helper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax score is XXXX point less then all other reporting companies the reports identical for all XXXX. 
ive tried calling and you are put on hold for 40 minutes and then the phone just keeps ringing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Invoice # XXXX from XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted Asset Acceptance and I requested that they validate the debt and I got no response. I also requested that Asset Acceptance remove this debt from my credit report and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are XXXX writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.

Company response to consumer: Closed with explanation