BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recoveryis reporting a debt for {$970.00} in 2018. I am a victim of identity theft. I do not have an agreement with this company and I do not owe this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Had a collection account put on my credit report for a cable provider by a debt collection agency. I have filed a police report and contacted the credit reporting agency to have it removed due to it not being my own. I have lived in the same house for 17 years and do not even have the company available in are area. I have never opened an account. Collection agency will not remove this off my credit report as they want me to pay it and say it does belong to me. 
Will not provide any written documents or contracts that have my signature on them stating I signed up for said service. When I asked them they said they do not have anything as there are multiple ways to obtain service with out a signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: AmeriHome Mortgage Company, LLC
State: WY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Amerihome has been reporting to our credit incorrectly. They stated they did not receive a XX/XX/2018 payment and reported to our credit from XXXX to XXXX, when they sold our loan that we did not make payments. We faxed them our bank statement from XX/XX/2018 to XX/XX/2018 showing payment. They would not accept that paperwork and needed a transmittle from our bank showing the money was transferred and where it was transferred to. We had our bank fax the transmittle and contact Amerihome with us on a conference call to make sure this was received. They said they did see that the payment was made and would send it to an underwriter to have a letter issued for correction so we could refinance our home and be able.to have our credit report corrected. Amerihome will not write the letter with the explanation that they need to see what happened to the money on their end. I cant do anything about what they did with the money all I can show is it was paid and they will do nothing for me. This has been going on for 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
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: Public record information inaccurate

Complaint:
On dates XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I mailed each of the three bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the Bankruptcy, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
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 XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 first initiated a dispute with XXXX  and Transunion regarding XXXX  XXXX XXXX in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the XXXX XXXX XXXX account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four dispute letters to Transunion and XXXX  asking to verify the account. XXXX  and Transunion claimed they have verified and validated the XXXX XXXX XXXX account all four times. I sent in a fifth letter to XXXX  and Transunion via certified mail in XX/XX/XXXX showing proof that I was not late on my XXXX  XXXX XXXX account in XXXX and XX/XX/XXXX. I also sent a letter to XXXX  XXXX XXXX in XX/XX/XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XX/XX/XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to Transunion, XXXX, and XXXX  XXXX XXXX that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.

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 2018-11-27
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: Account status incorrect

Complaint:
I've tried to contact them. All they do is try to sell products to me. No other credit people have done this. They won't answer the phone and they already had a breach. My credit report is so different since then. They aren't cooperating. I have a really good score with all of the others but not them. They keep hanging up and I never talk to anyone. Someone needs to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Once again I notice Erroneous and Wrong information on my credit reports regarding the account of XXXX XXXX XXXX  .... See attachment!!! 

On Transunion they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX  they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see experian pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact XXXX XXXX is reporting inaccurate and inconsistent information on 3 different credit reports.

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 2018-06-15
Company: ETHOS LENDING LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am an XXXX XXXX and often have problems with the loan originators in the closing process. At some point an insurance agent issued a wrong document and now the lending institution thinks that is what they should get. There are several problems with this ( I am happy to go over, but do not think there is enough room here ). The main issue is they have no insurable interest, they do not have this until after the loan has recorded. There fore the only document they are entitled to is a binder. In order to get a binder, I need a binder request. 

This company ( XXXX XXXX a division of Ethos Lending LLC XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX L # XXXX ) The contact which has been contacting me from this company is XXXX XXXX ( XXXX ) ( she has copied XXXX XXXX ) The correspondence started with her emailing, asking me to replace the current lender with them and send a copy of the policy and the replacement cost guide. I replied asking if they were the lender and have closed the loan. She advised no, I replied we can not put them on the policy as they have no interest. We went back and forth on that. I continued to tell her to send me a binder request and appraisal in order to move forward. She eventually went over to me to my company ( XXXX ) and had them make this change. My company reached out to me to discover that XXXX was not recorded on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Global Lending Services LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid Global Lending Services the balance of {$24000.00} in XX/XX/XXXX on a XXXX XXXX XXXX. I received the title and original contract stamped paid weeks after. My bankruptcy case was demised in XX/XX/XXXX and global lending bankruptcy department put a repossession order on it XX/XX/XXXX.I can get anyone with the company to tell me when they will release my vehicle. I sent them all the supporting documents but I have yet to get remedy with global lending services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 Essentially, I applied for a loan through XXXX XXXX at XXXX of XXXX XXXX and was declined. I acknowledge and fully understand I authorized this hard inquiry. What I did not authorize and what is not okay with me is that in order to try to get me approved my information was used to apply for a loan elsewhere without my authorization. These banks include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX texas XXXX ), and XXXX XXXX  lndirect ( XXXX AL XXXX ). 

I have recently wrote to XXXX only, however, I have yet to even be acknowledged. 
I don't want these hard inquiries on my credit score, and be at risk or having anymore effect on my credit score.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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:
I see an account in collections on my Experian credit report which I paid off in XXXX. 

I submitted a dispute on XX/XX/XXXX that the account is paid in full and must be deleted. 

Amount {$1600.00} - Experian Account # XXXX Experian took more than 30 days to investigate and did not delete the 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 2019-09-06
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Lexis Nexis is giving insurance company false information about my driving record and claims. XXXX XXXX, XXXX and other insurance company has give me quote and reason perium is higher is because of Lexis Nexis false report stating I have violation. I have never had a violation. I ask Lexis Nexis to remove this incorrect information, I was told it was remove but every time I get a new quote the same incorrect information from Lexis Nexis. I call them again was put on hold and no one answered or when the did answer phone worker hang up phone. I have made a report to department of financial services case number XXXX. Department of financial services said  the do not regulate Lexis Nexis and I show write them a letter. This is my last option. I have this problem more than 1 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to LexisNexis on XX/XX/2019, to place a security freeze on my LexisNexis consumer report but they replied : Unfortunately, we were unable to process your request, as we were unable to authenticate you with the information provided. 
The letter I sent this company had a copy of my current updated Identification card and Social Security card along with other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
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: Information belongs to someone else

Complaint:
The three credit bureaus keep reporting a fraudulent address on my credit reports.

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 2018-12-15
Company: Experian Information Solutions Inc.
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 XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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/XXXX I purchased concert tickets from a 3rd party re seller with my capital one credit card. I received the tickets a week later and the day that I went to the concert venue I was denied access. The front gate representatives stated that the tickets on my smart phone were not valid. I never received what I paid for and the credit card company didnt want to help me. The credit card company stated that its my responsibility to get my refund from the merchant. They have not helped at all in the process. I spent numerous times trying to contact the merchant and the credit card company with no help. I responded to the merchant response in my first dispute telling them that I have notified the merchant right away that I was denied access into the venue. How is that my fault that I have get a letter of denial from the venue! They should be responsible for that part of the investigation. Especially since the merchant sold me a fraudulent concert ticket! 

Now, the credit card company charged me a late fee and they charged me interest. And telling me I have to pay for services I never received!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: CITY NATIONAL BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
City National charged interest fee on two of my accounts on XX/XX/XXXX, one for {$18.00} and {$1.00}. The problem was I made the payment on-time or so I thought as always on the XX/XX/XXXX of every month, which has been my due date for the past few years since I've been with them. For some reason City National changed the due date to the XX/XX/XXXX on all of my account without prior notice and I just found out when I saw the interest charge. I contacted City National and the agent refused to credit me the interest fees. It would've been fair without prior notice and reminder for the new due date then I would've paid on time and avoided interest. Companies can't just suddenly change payment due date and catch people off guard then charge interest on us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: EQUIFAX, INC.
State: AL
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:
After contacting XXXX, Equifax, & XXXX  twice within the past year advising them I was a victim of fraud and the information reporting to my credit was inaccurate. I sent them a list of the accounts in question and did not get a probable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XX/XX/XXXX, there is an fraudulent account on my credit report from Bank of America with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with Bank of America. 

I do not have an account with Bank of America. I've never had an account with Bank of America. I have not given anyone permission to use my credit or to add my name to an account with Bank of America. 

This account needs to be deleted upon receipt of this documentation.

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 2019-09-06
Company: ALLY FINANCIAL INC.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called on XX/XX/XXXX to make my payment has agreed to. I know that I have had a hardship and trying to catch up with my payments. When calling on XX/XX/XXXX at XXXX XXXX, I was giving the run around transferred around and around told we can not help you. When I asked why am I being transferred around so much and being laughed at. I still was advised that i can not help you. I asked if they treated all customers like this. I spoke with more then 4 plus reps. Finally i asked is it because of the status of my account or the color of my ethics back ground I was then transferred to a very nice young lady who helped me. I was on the phone from XXXX until after XXXX before I was help. Im very unhappy with the service and how I was treated. Im doing everything I can to get my account on track but should not get the run around that I received. If i could refi with another company I would. This is not the first or second time this has happen to me. This time Im tired of being treated like dirt, so I decided to complain this time. The last rep I spoke with on XX/XX/XXXX was very professional and could teach the other rep how customers should be treated. Im just putting this complaint in now, because I also have health issues that I have to tend to and did not have time on the XXXX for they had my XXXX XXXX up. Im also a XXXX patient that should not be under a lot of stress. Being behind is stressful enough 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