BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: FL
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:
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why XXXX, Experian and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

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 2020-06-29
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
Derogatory info was reported to credit bureaus by Wakefield and Associates, collection agency. Wakefield never tried to contact me as the original provider didn't either regarding a bill for {$150.00}. I immediately contacted them when I discovered this. XX/XX/20 I talked to XXXX and paid the amount on the phone with MC credit card, ( confirmation # XXXX ). Received a text from my M/C confirming payment. Told I would receive a confirmation letter in XXXX days. XX/XX/20 XXXX told me letter had not been sent and she would send it. XX/XX/20 XXXX told me that the letter had been sent on XX/XX/20, but a deletion letter had not been sent to credit bureaus and he would send it. XX/XX/20 XXXX told me confirmation letter was sent to me and deletion letter sent to only one bureau because they all share info. XX/XX/20 XXXX  said they received the deletion and had applied it to my report. However, XXXX  and XXXX XXXX, have not received such info. And told me that the bureaus do not share info. My XXXX XXXX score has plummeted from XXXX to XXXX 113 points! As of today, XX/XX/20, I still have not received even a confirmation letter and 2 bureaus have not been notified. Ironically collection agencies harass people by phone endlessly yet they never contacted me by phone, I've had the same phone # for nearly 20 yrs. They just reported a delinquent account. XXXX XXXX  score is excellent and I have worked hard to maintain it. I am furious. These people seem to think this is some kind of welcome package from a spa that I haven't received. I am looking for a new place to live this month and XXXX  XXXX  score severely impacts my ability to find housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 I paid off {$49000.00} to XXXX XXXX XXXX XXXX and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to JH Portfolio Debt Eq.

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 2021-07-15
Company: EQUIFAX, 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:
In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with Equifax, XXXX, and Equifax. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Atlanticus Services Corporation
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:
XXXX County Sheriff 's Police Report : XXXX XXXX I have never opened/used/authorized this account. I filed a police report with the XXXX County Sheriff 's office [ as instructed to do by XXXX   and XXXX ] disputing this off of my credit report. 

It was removed by XXXX and XXXX, showing $ XXXX/owed- closed- because of fraudulent activity. XXXX will not remove or close out the balance or reporting on my credit report- despite having the police report and a statement that this is FRAUD. 

I would like this to be removed as per the police investigation, this is fraudulent and the other credit bureaus have adjusted my report accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2020, I paid an outstanding XXXX  debt from XXXX XXXX   Group of XXXX to XXXX  XXXX  XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX  XXXX  indicating that I have satisfied the debt in full. 

From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX   credit report as of XXXX XXXX, 2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XXXX XXXX, 2020. On XXXX XXXX,2020, another collection for the same XXXX  debt from XXXXXXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX  by Paramount Recovery Systems. 

I immediately contacted Paramount Recovery Systems to inform them that this debt was already satisfied through another collection agency. Paramount asked me to send them proof of payment. Paramount indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from XXXX XXXX XXXX. I have attached documentation showing where I faxed proof of payment to Paramount Recovery on XXXX XXXX, 2020. 

Now, Paramount Recovery Systems is telling me that they can not remove the collection account until XXXX XXXX XXXX instructs them to do so. I've reached out to XXXX XXXX XXXX, who told me they have not received anything from Paramount Recovery and that I need to follow back up with Paramount to get this situation resolved. At this point, I am getting no clear answers from either XXXX or Paramount. Every time I call Paramount and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe. 

All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from Paramount Recovery Systems relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of Paramount was when I received a notification from XXXX  that this account had been added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: TN
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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Equifax for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I recently gone through a financial hardship and was unable to make the payment on time, and it affect my credit score, now that I am finally back on my feet, will you help me remove the payment that I have missed, so that my credit score can be back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: TN
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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had an insurance claim on our primary home, nationstar mortgage now known as Mr. Cooper has been managing our claim funds of over {$100000.00} for over two years now. They have been extremely difficult and at many times delayed the disbursement of funds which has also delayed the reconstructions of our home. This company caused us incur extra expenses which they have not reimbursed us for yet. This is our second time complaining about this company to your office. Our main issue now is the remaining of the escrow funds left from our insurance claim has been sitting in their " escrow/loss draft '' department for months, after our several attempts in getting Mr. Cooper to apply those remaining funds into the principal of our mortgage loan. We have called multiple times and have spoke to their loss draft department which are in charge of our insurance claim funds and we explained the reconstruction of our home has been completed for quite a while and we specifically asked them to please apply the left over funds of over {$8000.00} into the principal balance of the mortgage loan. At one point we were told this would be completed within 5 days. We called six week later as this was still not completed, we spoke to the same gentleman XXXX in loss draft department and he gave us unreasonable excuses as to why this was not done. He promised to call us back in a week and as of today it has been over 4 weeks since our last conversation with him. We ask that Mr. Cooper provide us with a detail report of all the funds to our insurance claim and to apply all left over funds into the principal balance of our mortgage as previously requested. We are extremely upset with this servicing company on how they have handled our claim funds. Even after two years since our claim, they continue to delay disbursement of our funds even when we simply ask to apply them towards our principal balance. My husband and I want your office to review in detail how these funds have been handled as we are afraid they have mismanaged our funds. This servicing company should not be allowed to handle insurance claim funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX gave us a grace period for a couple of months during the early part of the pandemic. We turned off our auto pay. We received a notice in XXXX that we had missed a payment that nearly a month late. We promptly responded, paid the late fees, and then paid of the remaining balance by the third week of XXXX. The car loan was closed out 6 months early. We have never been 30 days late during the time of the loan. It was just a clerical oversight. We normally had automatic payment. XXXX XXXX never contacted us first before filing the delinquency with the credit bureau. Our credit scores have dropped by 50 points because of this. This action is an egregious abuse of power especially during such a steep economic recession. We even made a payment during the brief covid-19 holiday they gave us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: VA
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:
HELLO, I SENT OFF MY FTC REPORT ALONG WITH MY DISPUTE LETTER TO EQUIFAX, XXXX, AND XXXX. I EVEN CALLED EQUIFAX AND STATED BY LAW 15 USC 1681 THE FAIR CREDIT REPORT ACT, THAT THEY HAVE TO FOLLOW THE LAW THAT PROTECTS ME AS A CONSUMER. I WAS TOLD NO THEY DO NOT. THESE COMPANIES HAVE RUINED MY REPUTATION. I HAVE TRIED TO RESOLVE THIS MATTER PLENTY OF TIMES, AND THEY HAVE YET TO ADHERE TO FEDERAL LAW. EQUIFAX EMPLOYEE : XXXX EMPLOYEE # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 XXXX came to my home to perform a {$99.00} air duct cleaning of my mobile home. While at the house, the technicians told me my home was in danger and I could get sick because of build up and mold in the duct system and that I needed a full fogging of my home. They also told me the unit needed to be cleaned to prevent any future problems and a special UV light should be installed to warn me against possible build up and problems in the future. I'm XXXX and panicked. I trusted the technicians because of the name XXXX. They had me sit outside of the house on my porch and proceeded. At the end, they gave me a bill for {$1700.00}. I am on a fixed income and don't have that kind of cash so I put it on my credit card. 
Once they left my air conditioner never worked well. It would go on and off and on and off. At this point I called XXXX of my sons who had an air XXXX come in. He said that the last people in the unit left a piece of metal casing touching the inside power supply causing constant shorts and could have started a fire. 
I am awfully embarrassed that I was taken advantage of. I asked my son for help and he wrote to XXXX two or three times and called them many more. They have never ever responded. We called my credit card company who were very kind and upset at what happened to me. Unfortunately, they said that it was too long ago for them to chargeback and they suggested I write to you and ask your help.

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 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Manager Capital One ; Hi & How are you doing? Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is opened because the company closed the previous complaint, # XXXX, without resolving either of the issues I asked to be resolved - while lying to CFPB and me by saying they had, as can be seen by the screen shot of my app, attached. I have no access to either of these lines of credit. This feels like psychoterrorism designed to waste our time. We want both lines of credit restored as well as access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: TX
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 am filing this complaint because Equifax did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUI XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to have XXXX. I returned the equipment but was told the charge was from not returning the equipment. I have requested a verification numerous times and have been harassed by repeated phone calls. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, 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:
This Account for XXXX  XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THE COMPANY IS REPORTING A BANCKRUPTCY THAT IS INACCURATE AND I HAVE WRITTEN TO THEM FOR SEVERAL MONTHS ABOUT THIS PROPBLEM. THEY CLAIMED THAT THE COURT HOUSE VERIFIED THESE INACCURATE REPORTING AND I REACHED OUT TO THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DID NOT GIVE OUT SUCH INFORMATION. I THEN SENT THEM THIS INFORMATION AND THEY STILL CONTINUED TO LEAVE IT ON 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 explanation
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/XXXX I sent a wire for {$25.00} over to Coinbase INC/XXXX XXXX in XXXX. On XX/XX/XXXX they sent me an email saying that they could NOT accept the wire and they would send it back to my bank in 10 business days. Has been almost 2 months now and no money. I have contacted coinbase and asked them about it and all they say is we are very backed up and a specialist is taking care of your case and you will get your money soon but so far nothing. I would like them to return my money so I can feed my family. 2 months is unaccepted time to hold someone's money for no reason. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation