BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went to multiple different credit report websites trying to obtain my credit report for the first time. All sites would take me through the entire process just to get to a series of questions where I am asked, " How much is you monthly mortgage payment? '' Being that I 'm XXXX years old and just now starting to build my credit you can trust me when I say I have no mortgages. So after I click that I in fact do n't have a mortgage, the websites all tell me my report is unobtainable. I tried contacting Experian Credit Bureau by phone and could not get in touch with a real person, nor would the prompts lead me in a productive direction, which leads a very frustrated me to you. If you can help in any way it would be much appreciated. 
Thank you. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I filed a complaint on FBC [ Case number : XXXX ] due to the miscalculations for a loan modification. FBC did reply the complaint and admit fault and since I 've re-sent documentations for a loan modification to FBC. On a weekly basis, I call and check on my loan modification but it seems no update has occurred. For example, I called on XXXX XXXX, XXXX and spoke with XXXX XXXX rep # XXXX and she informed me they received all my documents and the opener has 5 business days to review the documents before sent to the underwriter or the consumer is contacted if further documents are needed. XXXX XXXX informed me the day I called, XXXX XXXX, XXXX, was the final business day and there will be an update by tomorrow. So, I called FBC on XXXX XXXX, XXXX and spoke with the same rep XXXX XXXX who informed me she will check with the opener again and will escalate my case. Such " run around '' is frustrating, unacceptable, and unprofessional. My intent is to keep my home yet I feel FBC is dragging the process with the intent to take my home away from me. I faithfully follow-up with FBC and give any requested documents in a timely fashion yet FBC is not working with me. Please look into this matter as my intent to reinstate our mortgage and keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Reached out to dispute information on my credit report that was entirely incorrect and hurtful to my score. Company informed me that they reviewed the dispute, but the information is still present on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are inquiries on my credit report that were not authorized, there are serveral insurance companies that checked my credit when I only gave permission forfor XXXX company to check. and also there is a place called XXXX on the inquiries that I have not given permission to as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Re : XXXX XXXX XXXX ; XXXXXXXXXXXX, XXXXRe- Credit reporting Equifax , XXXX , & XXXX , are not reporting my long-term credit. 
XXXX XXXX since XX/XX/XXXXMortgage since XX/XX/XXXXI have a XXXX XXXX that says on it " Member since XX/XX/XXXX. " None of the credit reporting agencies are reporting that I have a XXXX XXXX. 
On XX/XX/XXXX I called XXXX to request that they report to all of the credit agencies that I have had credit with XXXX since XX/XX/XXXX and that I pay on time. The representative from XXXX said that they do report to all of the agencies regularly. 
I told XXXX rep that despite this, it is not being reported on my credit report. The XXXX rep said she would send the report the credit agencies right then when we were on the phone. 

I want all three credit agencies to report that I have had credit with XXXX since XX/XX/XXXX, what the available credit is, what my balance is, and that I pay on time. 

Also, I have had a mortgage since XX/XX/XXXX and have paid it on-time since XX/XX/XXXX. Yet none of the credit agencies report that I have had a mortgage since XX/XX/XXXX. Instead, my report just shows the last XXXX " servicing companies '' on my report and when I last looked they erroneously said I had a late payment. 
I have disputed this late payment ; and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pressler and Pressler keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made 4 Principal only payments in the last 12 months and everyone was misapplied, two were made by phone and two were mailed. This resulted in numerous phone calls and wasted time to get the charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9500.00} and {$9100.00} with a duplicate account reported as a XXXX and owe amount of {$8600.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax lists XXXX of my wife 's credit card accounts on my credit report as missing a payment. This is a XXXX card beginning with XXXX. This is not my card. I was an authorized user on the account but the financial responsibility is 100 % my wife 's. The initial application for the card reiterated this. 

I filed a dispute with Equifax once I learned this missed payment was on my account. I told them this account was not my responsibility. I did the same with XXXX other credit bureaus, who promptly removed it. Equifax notified me 2 weeks after the dispute that they were still working on it. They never communicated with me again after that. I took it upon myself to check the status yesterday only to find it was closed and they determined the account was my responsibility. 

So my complaint to the CFPB is two-fold : Equifax deliberately did not notify me of the results of the investigation, no doubt because they refused to make the proper change. And the second complaint is that they are continuing to provide libelous information that I missed a payment on a card that I had no financial responsibility to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX reports Pay 31-60 Days 2. Judgement by XXXX 3. XXXX Inquiry 4. XXXX Inquiry 5. XXXX Inquiry I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX.Pa.XXXX Last XXXX digits Soc. Sec # XXXX.Birthdate - XX/XX/XXXX. 
I have contacted Equifax to get the Method of Verification regarding my dispute sent via certified mail multiple times via certified mail and Equifax has not provided me the information that I have requested per the FCRA. 
The bankruptcy is inaccurate and after sending the dispute Equifax has refused and asked me to contact the court. I called them and they advised they did not send Equifax any data or verify this information. 
I believe they are relying on third party information that is inaccurate, I asked them for the Method of Verification and they have refused. 
If no Method of Verification is received as I have requested then I will begin to pursue legal action due to Equifax continued willful non- compliance that has caused me harm .FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states * If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 6 ) ( 7 ) states a credit reporting agency shall provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 DAYS after receiving a request from consumer for that description, Since Equifax has not provided me Method of Verification within the 15 day period required by the FCRA I want this inaccurate bankruptcy removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I entered a repayment plan with Seterus, inc. regarding my home loan. I made a verbal agreement to allow ACH payments from my checking account beginning in XX/XX/2017. Seterus has made a withdraw one month early, causing my account to be severely overdrawn. The refuse to reverse the ACH. This is going to cause many fees, and most likely disconnection of my utilities. When I entered into the verbal agreement over the phone I specifically stated that I would need until the XX/XX/2017 ; the agent said that would be no problem. 

Any assistance you office can give will be greatly appreciated. 
XXXX Or XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX is being reported on my XXXX, Equifax , and XXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a complaint against SCA Collections in XXXX, N.C. ( Tel : XXXX, which keeps sending me demand letters for an alleged " debt '' for a biopsy ordered by XXXX XXXX XXXX and his Billing Office at XXXX, CA, Tel : XXXX. I had seen XXXX XXXX for decades, without incident until a few years ago, when I was a XXXX at the University XXXX. I got bills, allegedly for " unpaid '' services. I brought this to the attention of XXXX XXXX. The bills persisted. XXXX XXXX, however, claimed my balance was " XXXX. '' On XXXX XXXX, 2015, I saw XXXX XXXX, who ordered XXXX in XXXX XXXX. ALTHOUGH I NEVER RECEIVED A BILL ( {$200.00} ) FOR THIS XXXX, AND ALTHOUGH I HAD FREQUENTLY PROVIDED -- in person -- XXXX XXXX AND HIS BILLING OFFICE WITH MY CURRENT MEDICARE NUMBER AND XXXX XXXX XXXX NUMBER, XXXX OFFICE PROVIDED XXXX, XXXX, WITH INCORRECT HEALTH INSURANCE INFORMATION. THIS HAS LED TO SIGNIFICANT PROBLEMS REGARDING MY CREDIT RATING!!! 

In XXXX I received an " IMPORTANT NOTICE '' from SCA Collections. 
It states : " You must contact this office to discuss PAYMENT IN FULL of this obligation. PAYMENT IN FULL WILL PREVENT FURTHER COLLECTION ACTIVITY YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. '' In fact, SCA already reported my alleged non-payment of this obligation to the XXXX XXXX XXXX XXXX. This credit agency then issued an erroneous credit report, based on the ( mis- ) information provided by XXXX XXXX XXXX billing office to XXXX XXXX XXXX , claiming I have an " obligation '' of {$200.00} and I should " immediately '' pay this " debt. '' On the basis of the misinformation contained in XXXX XXXX report, the XXXX XXXX XXXX ( and possibly other users of XXXX XXXX credit services ) refused to reissue to me a credit card -- even though I have substantial accounts with the XXXX XXXX XXXX -- and will not do so until this matter has been resolved. HENCE, BECAUSE OF THE MISINFORMATION PROVIDED BY XXXX XXXX BILLING OFFICE, AND THE ACTION OF SCA COLLECTION SERVICES, MY CREDIT APPEARS TO HAVE BEEN FROZEN AND MY CREDIT RATING HAS BEEN DAMAGED! 

I have inquired further, and, according to XXXX billing office, which contacted SCA Collection Services to " collect the debt : '' " The entire {$200.00} has been waived. If needed, please utilize my previous email as a reference for any inquiries. 

Thank you, XXXX, CA XXXX p : XXXX '' I am seeking redress against both SCA Collection Services and the billing office of XXXX. In addition, XXXX XXXX billing office is also implicated in this mess and the subsequent damage to my credit status. Appropriate compensation ( billed at $ XXXX/hour ) is also sought for the time I have spent dealing with these issues. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pro collect initially contacted me about a debt I owed an apt complex, XXXX. I then contacted the apt complex and after discussing some errors, they reduced the amount from {$1600.00} to {$900.00}. The manager also sent me an email confirming that change. I sent it to pro collect and they refused to correct the error. I contacted the XXXX and filed a complaint, at which time Procollect stated they would correct the error. They did not. I contacted pro collect to settle the debt for the {$900.00} and pro collect responded by stating that the {$900.00} was a settlement offer only if I paid it in XX/XX/XXXX, which if you see the email from the apt complex does not state that it was a settlement, and it is dated more than a year ago, not last month. I offered to settle at {$900.00} on Wed XXXX XXXX and pro collect refused to accept {$900.00} on that date. I disputed the debt with the credit reporting agencies, and pro collect verified the debt as {$1600.00} after I submitted proof it was corrected.

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 2015-05-14
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
key bank is claiming that at XXXX time I owed them money so they wont let me open an account. 2 years ago I spoke with someone at key and they informed me that i do n't owe them any money, but a account from XXXX which is no longer in my area or the united stated, was acquired by key bank when they purchased the branches. I never owed money too XXXX, they refuse to work with, give me information on the incident or remove it from their files

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to short sell my home, the buyer is getting ready to walk away because of Roundpoint 's procrastination! I need to get from under this home, I have a law firm helping me, and Roundpoint just keeps saying it 's being review, no one can be actually handling this?

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 2016-12-22
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home flooded. I received a check from my insurance company endorsed it sent to Roundpoint Mortgage. I have been sending them information from myself and my contractor for 2 months and still have not received a check to pay my contractor for the work they have already performed. They tell me what info they need. I send the requested documents time passed while they work on it then they need more or different documents. Told that all documents are in order check will go out the next day. Wait a week for the check and then call and no still not approved need some more documents. The will not give me my insurance money. Every time I call it is someone with a different story and I can not talk to anyone who can make a decision.

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 2015-07-01
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
we called key bank about opening a new checking account and to see about incentives for opening an account. we were told there was a {$200.00} incentive but we had to do it online and was given no other information. we did the account on line and did n't enter a promotional code because we were not given one. the bank is refusing to honor the word of one of their employees and ca n't go back and get the information from the phone call because they deleted it. we only opened that account with that bank because of the promotion and they are refusing to honor it because they do n't have the information from the phone call we made. XXXX from corporate office told me no and that was the reason. So now we are filing complaints and want what was promised to us. They continually lie to us about this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: TCF NATIONAL BANK
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This complaint is against gateway One Lending and Finance. I am submitting this complaint because I have been trying to work with this company for quite some time. To make matters short, they have been very troublesome to work with. 

In the end I had an agreement with an individual named XXXX XXXX who stated that if I paid off the remainder of a balance that was owed for a vehicle loan I had with them then they would report it on my credit report as paid in full and they would release the pink slip. Besides the fact that I still disagree that i owed money as I made more than 5 years worth of payments on a 5 year loan, I still paid them to get them off my back and get the pink slip. 

I check my credit report and the account is not showing up as paid. Furthermore, an individual named XXXX XXXX was treating us disrespectfully. he stated that the pink slip was never sent because they did not have my address on file. I do n't see how they didn ; t have my address since the settlement letter that was given to me had my address on it .... I will forward it to you. Then, when I presented that fact to him, he kept talking over my husband and made some pitiful excuse as to why the pink slip was n't sent and why the address was on the letter and not in their system. I feel like I was lied to in order to get me to pay them. That is coercion. Unfortunately for them I am familiar with the law. XXXX Fair Debt Collection Practices Act states that no one engaged in collection activities which includes original creditors can lie to you in order to collect a debt. If they do not deliver what was promised I will sue them. 

That was n't the end of it. He also started insulting us by stating that the account had n't been paid and that our concern seemed petty to him. it is not his place to question his companies policies. It is also not his place to try and belittle us, which he did. They should not treat customers especially ones who paid them this way. He even seemed arrogant when my husband told him he would be filing a complaint against him and said that his manager was unavailable when we asked for him. How convenient. 

Again his name is XXXX XXXX and this complaint is as much against him as it is against Gateway One Financing. Please assist me in getting them to do what was promised before I have to sue. They are now holding me hostage with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation