BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: Southwest Recovery Services, Inc.
State: VA
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:
XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX XXXX XXXX XXXX - Same thing - With XXXX Southwest Recoverys {$890.00} Says it is in Collections With XXXX  XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX  These accouts are definitely not mine

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 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
I logged into my account online. I saw that my payment due and was more than it should be. It was {$26.00} more than it should have been. I paid on XX/XX/XXXX, which I thought was for the XXXX and XXXX billing cycle. I thought that was including the {$26.00} that was due for XXXX. I received an email on XX/XX/XXXX stating I was 2 months behind on my payment. I called in to see what was going on because I knew I was going to need to make another payment the week of XX/XX/XXXX for the month of XXXX. After speaking with a manager he instructed me that I was 32 days past due and would be receiving a 30 day late on my credit report. He informed me the {$26.00} was a late fee for XXXX and that had I paid my payment in XXXX  1 day later the {$26.00} due for XXXX would have been included in my payment. I explained I had a good history with making on time payments, I have never been late on either of the two accounts that I have with them. I told him the impact that was going to have on my credit and that I needed it taken off. Because of that late payment my credit score dropped 93 points and is going to put me in a bad situation with some loans that I need to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: IL
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 sent my letters haven't got a response I will like all errors to be removed

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 2017-10-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
From XXXX XXXX to XXXX XXXX, I was unable to make the $ XXXX payment needed to keep my account active. XXXX XXXX and Navient reccomended at every opportunity to enroll me in forbearance and at some points told me I did not qualify for lower payments nor the public service loan forgiveness program despite working for a non-profit. I was able to learn more about the public service loan program and submitted the application and paperwork however it never arrived at Navient. Last month ( XXXX XXXX ) their stance has completely reversed and was informed of better repayment options through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: NC
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 was denied from buying a new car today XX/XX/2020 because when they ran my credit, I was told that there were four accounts with negative payment history appearing on my credit. I looked through my credit report myself and I saw those four accounts and none of them are mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I have no idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report. I did not get anything out of those accounts such as money, services, goods or anything else nor did I ever make any payments towards any of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: MIDFIRST BANK
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am unfortunate enough to have a mortgage through XXXX XXXX. They are very incompetent and dirty. I had my homeowners through XXXXXXXX XXXX and recently changed it to XXXX. I informed midland mortgage on XX/XX/XXXX that I was changing my carrier from XXXX to XXXX. I sent them the message, via email, with the new company and the new policy number. My old Policy did not expire until XX/XX/XXXX at XXXX, while my new policy became effective at XXXX on the XXXX. They never even read the email I sent to them. S now they are trying to make me pay for a {$1800.00} 3 month policy even though I have had homeowners insurance the whole month! They said I had to go to their website and update my policy, which I did, and it sent me to a third party site. I filled out all the information, but when I tried to submit the form, it would not do anything. it just sat there. It was not locked up because every time I clicked submit it went to the middle of the page. Once again, XXXXXXXX XXXX proves how incompetent they are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt, XXXX account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than XXXX occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. XXXX was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Portfolio Recovery is a junk debt buyer XXXX XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! 

I request that Portfolio Recovery verify the following information. 
1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was sued by Portfolio Recovery Associates, I told their attorney XXXX XXXX, XXXX that I was on SSI and Social Security XXXX he said that it did n't matter, I have received 4 Notice of Levy trying to garnish my bank account, they listed the wrong bank on each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Capio Partners, LLC
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:
I accessed my credit reports and see that  Capio Partners are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and woul d like for them to delete the information they are not bound to report. i have reached out but to no avail they are refusing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Kriya Capital, LLC
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:
Hello : The company is called Credence Resource Management ( CRM ). There address is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. The account number they are using is XXXX, which they claim was opened on XX/XX/XXXX, with a balance of {$530.00}. 

I have attempted to dispute this false or fraudulent information with CRM on XX/XX/XXXX. I informed CRM that I had no knowledge of this debt. CRM has offered no record to support their fictitious claim and has failed to remove this false and derogatory information from the Credit Bureau. 

I believe CRM is engaging in false information for the purpose of fraud. By making a false and unsubstantiated claim of indebtedness, CRM is attempting to extort payment for profit. CRM is improperly and adversely attempting to diminish my potential credit worthiness for their profit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: Sa-Vit Enterprises, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
savit XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX ( XXXX ) XXXX Claims of non payment but bill was paid under XXXX and XXXX XXXX XXXX XXXX NJ Charity Care Program.

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 2018-05-30
Company: AFNI INC.
State: GA
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 XX/XX/2018, I retrieved a copy of my credit report and noticed that AFNI had placed an entry on my report and did not provide me a dunning letter nor any notice regarding an alleged debt. To that end, I sent AFNI a letter dated XXXX.XXXX.18 whereby I disputed the validity of the alleged debt that they had placed on my credit reports. To date, I have not received any communication from them. I have never did any business with this company, never heard of this company and as previously mentioned, never received any correspondence from them. Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI as required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. 

As such, AFNI should have provided me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherin he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and and name and address of the bonding agent for collection agency in case legal actions become necessary. All requested document must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete this erroneous, unverifiable entry from my report and send a letter communicating such. For AFNI to blatantly violate my consumer rights by placing this entry on my report  directly violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not acknowledge this debt. 

Portfolio Recovery is reporting a debt to the credit reporting agencies past the 7 year limit. The date of last activity on this account was XXXX 2008. They are still reporting this account after the 7 year federal limitation. 

The date does not begin when they buy the debt, but the date of last activity with the original creditor. The statute of limitations " clock '' starts ticking on the date of last activity on the account. This is the date of last made payment in XXXX 2008. 

If they continue to violate the FCRA my attorney will immediately file suit for violation of the FCRA. 

Please investigate this collection agent for violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-08-30
Company: EQUIFAX, INC.
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:
equifax is reporting an incorrect age on account " XXXX XXXX XXXX : XXXX '' this account was opened on XX/XX//21 equifax is showing account age as only 7 months old. according to the FCRA this is a violation and this account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I closed my home loan with Veteran 's United in XXXX of XXXX. My taxes and homeowner 's insurance paid by escrow. The lender made an error in stating the first property tax due date was XX/XX/XXXX on the disclosure documents detailing what my costs as the borrower would be to purchase my home. The initial property tax due date was actually due XX/XX/XXXX. There were insufficient funds in escrow to cover the amount due to to the lenders error. Veteran 's United has now raised by monthly mortgage payment by {$710.00} per month to cover the escrow shortage. I can not afford this increase and should have been told of the cost to purchase prior to being issued the loan, not after so that I could budget accordingly.

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 2022-08-30
Company: EQUIFAX, INC.
State: GA
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:
Delete the following accounts, addresses, and inquiries listed below : EQUIFAX : Addresses : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX Accounts : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : XXXX - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CURO Intermediate Holdings
State: WI
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 been disputing an item with speedy cash for the last 6 months and I was getting nowhere. It ruined my credit, reputation and ability to get any credit for my personal use and for my small business I had just started. Speedy Cash denied and refused to budge, the credit bureau and even you guys refused to listen or help. Now, I have the written agreement and they are now fixing the issue by stating the correct information on my credit reports. 
However, that is still not fair to me and that is not the end of the matter. I have been tremendously affected by this and still can not get any credit to save my life. My credit score is XXXX, i have a 100 % payment history. I am not getting turned away due to too many inquiries. My family is going to drowned in debt and end up XXXX XXXXXXXX XXXX soon if I am not able to secure some sort of funding to get capital for my business OR a loan for a vehicle to get a job! Yet nobody seems to understand or care about that. 
I live in a small town with no public transportation at all, no XXXX no nothing. I have done nothing wrong and everything to prove my credit worthiness but untill speedy cash goes back and tells everyone that I cant get any help. 

I am begging for somone to take a look at this. I need help. And if im the one in the wrong then please tell me so i can understand why and then leave it alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: R.M. Galicia, 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 status incorrect

Complaint:
This account has been reported on my credit and should not have been. This was originally a hospital bill. After sending in my insurance information they should have corrected the issue. Back in  XXXX  I contacted my insurance and on a conference call with progressive management they agreed to fix the issue. According to law this should never have been reported. This situation was discussed and cleared and was stated it would be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Because of economic reasons -- we have a lawn business that was hit hard when the housing crisis hit and folks were cutting back on services. As a result, we got behind on our payment. I have been trying for months to get a loan modification so we can get back on track and keep our home. Yet at every turn, Caliber Home Loans seems determined to take my house away. First they told me they would n't modify the loan because I could afford the monthly payments. Yeah. That 's what I was trying to get across to them. If they would just reinstate the loan, we could maintain the monthly payments. I also asked for a reduction in the interest rate of 7.999 % that we 've been paying since 2007, but no go. 
They set me up on a repayment plan that made the monthly payment more than our monthly income so I applied for another loan modification. With the sale date of XXXX XXXX approaching, I called on Monday, XXXX XXXX to check on the status. The Point of Contact called that department and they said to call back on Friday and they would hopefully tell me some good news. So I called on Friday and was told that because the loan modification request had been submitted within 2 weeks of the sale date, it was too late and gave me a month extension on the sale date. They could n't have told me this on Monday when I talked to them? Total deceit. They also neglected to tell me I needed to resubmit the loan modification and I have been waiting all this month to hear if they approved it when they have n't even been considering it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery called about " a '' XXXX XXXX, about a XXXX XXXX account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a XXXX XXXX account, incorrect last XXXX digits of the social

Company response to consumer: Closed with non-monetary relief