BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX* Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXX* Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX*** Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

CAPITAL ONE XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

CAP1/XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a paperwork from the US NY Marshall for garnishment of my check in late XXXX. The paperwork states that I owe a debt to XX/XX/XXXX. I contacted the number on the paperwork and was informed to go to the police station to file a fraud report. I was advised that they are not filing reports since there is no party to file against base off my paperwork. I paid the agreed amount back in XX/XX/XX/XX/XXXX This information reflects on my XX/XX/XXXXcredit report and XX/XX/XXXX reporting. My report this morning reflects zero accounts in collections. I have an email from XX/XX/XXXX that I paid off a collection account with XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian. XXXX. XXXX. 
All of them are responsible for ignoring federal directives regarding student loan payments during a pandemic. 

If the GOVERNMENT says no one can collect during this time, then that means, the reporting companies shouldnt be reporting negative information. 

This began last year and has been extended through 2021. Why are these credit bureaus so eager to defy the very system that allows them to exist? 

Stop reporting their reports. Its not even any payments due right now. I checked the regs and I dont have to ask for the forbearance. It is given to anyone in these times. 

They are literally defying the federal government and have ignored or rebuffed my attempts to remove this negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this Authorizer user account with NORDSTM/TD XXXX and XX/XX/XXXX XXXX multiple times. I already sent letters directly to NORDSTM/TD, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX and XX/XX/XXXXrequesting removal from this derogatory account. I already sent a total of 5 letters just for this request. I am not responsible for this account but it continues to give a negative impact on my credit score. I did all my resources to fix this issue with them. But the only response that I received reporting this account as valid in my credit report. 

I am not responsible for this debt. Please remove me as an Authorized User and delete this from my credit report. Filling a complaint would be my last option for making sure that NORDSTROM TD BANK would do my request. 

1. NORDSTM/TD XXXX 2.XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Me and my wife co-signed my nephew 's student loans for four years at XXXX XXXX  ( New Hampshire ). The lender was Sallie Mae. He XXXX  in the spring of 2019 with the loan payments being due starting in XX/XX/2019. He left our residence just as the loans became due and we've lost contact and are unaware of his whereabouts. 

Shortly thereafter, both myself and my wife began getting robo calls about every 20 minutes at our jobs from Sallie Mae. I thought they would first try to collect from the primary borrower, the student, and  was surprised they came after the co-signers so fast. To not risk losing our jobs, we have been making the payments to Sallie Mae on schedule. The primary borrower, the student, has not paid anything. 

We're both in our XXXX  and were planning retirement in the not too distant future. I called Sallie Mae and asked if they were pursuing payment of the loans from the student. They said that once they have the co-signer paying, they no longer pursue payment from their student. I find this most annoying in that the student received the education and has many years ahead of them in order to make payments. I strongly feel thatSallie Mae should continue to pursue payment from the primary borrower ( student  ) even as the co-signers are making the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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 status incorrect

Complaint:
I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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 status incorrect

Complaint:
I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the 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 explanation
Consumer complaint received 2020-12-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I attempted to transfer {$790.00} to a friend, ( name available upon request ) through Zelle from my XXXXXX/XX/XXXX checking account. The money was suppose to go to her XXXXXX/XX/XXXX account. The money did not arrive. I filed a formal complaint with XXXX XX/XX/XXXX and their response was that the issue is with Zelle. XXXX XX/XX/XXXX called Zelle while I was in the branch and the only information they would give is that the {$790.00} was not deposited into a XX/XX/XXXX account. The transaction number is XXXX. 

I have validated that her name and phone number were correct on the transfer. I have tried to contact Zelle customer service several times without success. They accept no responsibility for losing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have a home mortgage loan on Freedom Mortgage for the property address at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX. I called freedom mortgage on XXXX XXXX to inqury about how much I should expect if I want to pay off my remaining mortgage. The representative told me to get the payoff quote on FreedomMortgage online. I specifically ask the representative if they will be any fee associate with the quote. The representative told me there will be no fee if I decide not to do the payoff finally, generate the payoff statement is free of charge. That's why I do the payoff quote online. But then I find out Freedom Mortgage charge me {$30.00} statement fee for the payoff quote on XX/XX/2021. This is unreasonable as I have asked before and was providing a misleading information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
About three weeks ago i spoke with a rep at experian about my identity theft case and he reviewed my information and told me that the items would be deleted from my credit file within a few days. I then receive a letter from experian showing the items were deleted on XX/XX/XXXX but got a new letter dated XX/XX/XXXX that the accounts were reinserted. I called experian on XX/XX/XXXX and spoke to a supervisor who stated that they contacted the XXXX police department and they could not validate that the police report was valid which is a lie because i called the XXXX police department right after i got of the phone with experian and asked if someone were to call and verify if the report is valid will they give them that information and was told yes they will. But no one had called them because the lady at the XXXX police department said the report was valid once i gave her the report number. DEPT OF VETERANS AFFAIRS acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct # 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 non-monetary relief
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
VIOLATION OF RIGHTS SHARED INFORMATION WITH 3RD PARTY WITHOUT CONSENT SOLD INFORMATION TO THIRD PARTY WTHOUT CONSENT I AM THE ORIGINAL CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Control Corporation has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX  hardship and suffering through loss of sleep and anxiety. I DEMAND TO GET THE FOLLOWING ITEM REMOVED FROM ALL 3 CREDIT BUREAUS : Account information : XXXX XXXX XXXX XXXX XXXX Account number : XXXX. Date Opened : XX/XX/2020 Original balance : {$130.00}. 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Sending statement to old address after. I told cable company of forwarding address. 
Re-aging account. 
Negligence. 
Unfair business practices. 
Robot calls. 

Because all the damages and violations that I have suffered, I deserve to get this item removed from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We repeatedly get calls from Credit Management Company for a " XXXX XXXX XXXX  '' bill we do not owe on. We called the original creditors, they realized it was erroneously added and said they would fix it. Four months later and I get around 6 calls a day even though I owe no money. They reported this to the credit unions and ruined my credit for something I did not do, right before I was preparing to buy a house. This company has ruined my credit and continuously harassed me for a bill I do not owe and have to correct multiple times. This is not acceptable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Strategic Alliances, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi, On XXXX XXXX, 2018, I was in the XXXX XXXX store, and wanted to pay for my car repair. 
They told me that we can apply here for our credit card, XXXX XXXX Credit Card, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined. I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that we were not able to verify your info with your social security number and so it was declined. 
So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: NJ
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:
Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$540.00} No. of Months ( terms ) : 0 High Credit : {$540.00} Credit Limit : {$400.00} Past Due : {$540.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: WA
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:
Experian : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX XXXX  : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 ) doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( XXXX  XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Have been disputing a XXXX award account and I have disputed it for theLast two years the account was originally opened in XX/XX/2012 and was included in the bankruptcy and all three credit Burroughs refuses to investigate the account Ive mailed in my my chapter XXXXBankruptcy papers and its still report in in adequately

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