BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: Experian Information Solutions 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:
I am here extremely upset and Ive cried so much Im here to file a complaint against Experian Ive been calling and have disputed this matter with Experian there are some inaccurate statements on my report such as delinquency and home mortgage loan along with several inaccurate comments on my report Ive address this matter to Experian and have been since XXXX of last year and more recent XXXX of this year a few days ago I am extremely upset because this negative inaccuracies has caused for bank to denied my application for me to buy a home. I have no home I even cried on the phone to representatives because I couldnt hold back this situation has ruined my only chance of getting my dream home if this matter is not resolve soon I will take legal actions and sued Experian for what they have caused not to fix immediately knowing that I should not have those inaccuracies on my report. Its not fair and also all the hard inquires I have due to me applying confidently knowing I had no worries and I was denied and was upset and confused because I didnt understand why this is happening Experian never fixed the inaccurate negative comments on my report. I have attachments with all the inquiries that needs to be removed on my credit report due to not being approved and denied all because of Experian not doing what they were supposed to do. Please I ask that this matter is resolved I am good human being who simply just needs a home and was denied all because Experian fault I paid all my bills and never been late I have an exceptional payment history and my other two credit reports are outstanding with great credit scores I hope that this gets resolved Im in tears because Im literally was denied for my home and I have no home all for something I have no fault and control over and Experian ruined my life this needs to be fixed and removed so that I can start over with no hard inquiries and be able to buy my home because Experian ruined my chance to by my dream home now.

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 2019-09-17
Company: LAND HOME FINANCIAL SERVICES
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a hardship that caused me to default on my mortgage in XXXX. I went into the HAMP program and the 2nd mortgage refused to participate. The second mortgage refused to do anything on the note, and sold the loan several times until after the new servicer Land Home Financial took over the loan. The books were fraudulently changed by one of the mortgage servicer 's to reflect that payments were made through XXXX of XXXX. Land Home has refused to supply payment record 's to myself, but did produce them for the New Mexico Attorney General. The payments reflect false information that the company used to then file for foreclosure, and to make it look as if the last payment was 7 months later than it truly was. They have also refused to hand over the default letters, and if Land Home only has default letters from XX/XX/XXXX, then the previous letters were either erased and hidden to try and make it look as if the loan had been paid through XXXX, and foreclosure would still be valid, but this loan is past the statute of limitations if not for the fraud that was written by the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery services  ( XXXX - XXXX -- - XXXX ) is reporting several old accounts on my credit report which should have never been placed on there. For one I never got a notice and they just put the erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. 

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and XXXX  is NOT reporting this information AT ALL!!! Also Transunion has XXXX XXXX, ACC # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.

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 2020-02-05
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:
My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to XXXX XXXX XXXX  many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.

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 2018-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please do add a fraud alert on my credit report. This is hurting me finding housing and purchasing a car. 

Things I asked you to delete you refused to acknowledge or delete. 

I did not request you add this alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: DE
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 switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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:
I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.

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 2018-08-12
Company: Experian Information Solutions 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:
On or around XX/XX/XXXX, I requested Experian 's method of verification in regard to a specific collection account, XXXX XXXX, that is on my credit file to no avail. Instead, I received a form letter response. To date, Experian has not provided me with any information they utilized to determine that the information XXXX XXXX provided was accurate. Again, on or around XX/XX/XXXX, I disputed the XXXX XXXX with Experian to no avail. Experian has failed to comply with 610 ( 1681h ], clearly and accurately disclose the requested information to 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 non-monetary relief
Consumer complaint received 2021-08-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MCM MIDLAND CREDIT MANAGEMENT SENT ME A LETTER COUPLE OF MONTHS AGO. THEY WERE REPRESTING XXXX XXXX  SAYING I OWED XXXX DOLLARS FOR XXXX XXXX XXXX  NOW I RECEIVE A LETTER THAT I OWE XXXX OFFERING ME A 10 % DISCOUNT. THE AMOUNT HAS TRIPLED. THIS IS A SCAM OR PREDETORY COLLECTION PRACTICES. 
THEY HAD A CLASS ACTION LAWSUIT IN XXXX AND ANOTHER IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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:
Equifax reported 3 collections to my account all at the same time. Thus caused my credit score to drop 60 points. These accounts were all paid and show a XXXX balance on each account. I contacted all 3 collection agencies. All three stated they did not recently contact Equifax or update any information to my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a very confusing situation so I will do my best to summarize it. On XX/XX/XXXX I made 2 checking account transfers from my Bank of America checking account to my XXXX checking account, each for {$800.00}. The first transfer went through and the second transfer vanished. Meaning {$1600.00}. was withdrawn from BofA but only {$800.00} ever made it to XXXX. I have been going around in circles with BofA for months now and getting wrong information and the run around. They have stated that because I authorized the transfers ( which I did ) that they will not reimburse me for the missing money. I was originally told from BofA that this was a duplicate transfer so that we should proceed as such effectively canceling one of the transfers. I have trace numbers, bank statements, etc. They have also admitted they do not know where the second transfer went but stated it's not the banks fault. XXXX number # XXXX is the one that apparently no one can find. 
Originally when I called them they said wait a few days just in case. I called back a few days later and they helped me to file a claim ( XXXX ) however we didn't know if it was the first transaction or the second one that did not go through, so when we filed the claim BofA just took the {$800.00} back from XXXX on XX/XX/XXXX and called it a Misc. Credit Adjustment. This was my money to begin with and not a favor from BofA. XXXX called it a funds transfer return and charged me a {$5.00} fee. I called back again after I realized this and BofA opened another claim ( XXXX ) and issued a temporary credit adjustment for {$800.00} on XX/XX/XXXX while they looked into the matter. That adjustment has since been taken back by BofA because they do not know where the money went. I have written 2 statements and faxed BofA my bank records from XXXX showing that only {$800.00} ever made it and the second transfer vanished. Just that info alone should be enough to realize that {$800.00} just vanished and because they don't know where it went is not my problem. All the other info BofA is stating about authorizations, etc. is irrelevant is they do not know where the money went. Again they have trace numbers and records of both accounts but somehow this is not their problem.

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 monetary relief
Consumer complaint received 2020-06-05
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Barclays has been charging excessive late fees to consumers. I had a payment of {$29.00} due on XX/XX/2020, however, a late fee of {$29.00} was charged on XX/XX/2020. Even though, the previous month I had overpaid my credit card bill in the amount of {$100.00}, which theoretically should've covered me for 3 months. This has inflated my balance and caused negative reports on 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 monetary relief
Consumer complaint received 2016-02-10
Company: Convergys
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was recently assigned a phone number on a new line of service. 
This line is receiving more then 6 calls per 24 hour period, including calls outside of reasonable hours. All calls are from the same incoming telephone number. 
I have called the collector back and advised that this is a newly assigned telephone number, and I am not the person they are attempting to reach. 
The company refused to identify what company they are, and has continued to call after my request that they discontinue and are reaching the wrong person.

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 2021-03-08
Company: SLM 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: Information belongs to someone else

Complaint:
There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : SALLIE MAE BANK XXXX  Account Number : XXXX Amount : {$6300.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6500.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$13000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$20000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6100.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$29000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I joined Capital One credit card program back in XX/XX/2019 with their 'Platinum ' card. After receiving numerous emails and physical mail saying I was preapproved for a 'Quicksilver ' credit card which offered a {$150.00} reward for spending {$500.00} in the first 3 months. Because I was preapproved, and knew I would reach the spending threshold due to the holidays, I signed up for the Quicksilver card through their website. This was creating a NEW card account, not transferring, so I do not see why I would not be eligible for the bonus. However, after time passed and I did not receive my reward I decide to try and call Capital One. They claimed I was ineligible for the offer, because I was an existing capital one member. This seems extremely misleading as I was on their email/mail distribution list BECAUSE I was an existing member and those offer all claimed I would receive the {$150.00} bonus. But now I am ineligible so I will not receive my reward and the trouble I went through to open a new card was fruitless. I would just like to be acknowledged that I met their spending requirements for the reward, so why should I be denied because I was an existing card holder - one that they specifically sent misleading offers to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20
Company: PNC Bank N.A.
State: NJ
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:
Good morning I'm writing that to you help me with a problem that I have, in XX/XX/XXXX I bought a car from the company XXXX XXXX XXXX and who finances my debt is PNC BANK, the car title was sent by XXXX XXXX XXXX to PNC BANK in XX/XX/XXXX and the PNC BANK returned the title because he had some bad, now the XXXX XXXX XXXX says that he has not received anything from the PNC BANK and the PNC BANK says that he does not have it either the title car, they have been blaming each other and the car title does not appear, leading as consequences not being able to register the car, be paying for a car without a title, take public transportation to go to work and do my personal laps, and also gave them my truck as a trade in and now neither XXXX XXXX XXXX and PNC BANK respond. 

I'm paying the loan opportunely. 

I appreciate helping me with this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been actively disputing Calvary Portfolio Services with regards to a debt that I do not owe. I have asked for verification of debt and only received a copy of a payment statement which does not constitute verification of debt. I was placed on probation as my security clearance is at risk with my job, I was given 90 days to clear this matter. Calvary Portfolio Services stated that I owe {$610.00} according to my credit report dated XX/XX/XXXX. I've written letter after letter and still have not received any verification bearing my signature and a contract stating that I owe Calvary Portfolio Services a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed and paid off my American Express XXXX XXXX XXXX in XX/XX/XXXX. There was a credit balance of {$24.00} that was due back to me because of an overpayment. As of today XX/XX/XXXX I have not received a refund. One has been requested twice both by phone and online using the American Express XXXX application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are attempting to refinance a mortgage that was originally financed through Wells Fargo Bank in XX/XX/2001. For the refinance we asked Wells Fargo and XXXX  for quotes. XXXX XXXX offer was best so we decided to go with them for the refinance. During the process, the title company found an additional lien from Wells Fargo on the property. They and we both called Wells Fargo. Wells Fargo said there was no such lien. We continued to call throughout XXXX and XXXX to be told the same thing, but the county recorders office continue to show two liens from Wells Fargo dated the date of the original finance. Finally mid XXXX I sent a letter to Wells Fargo Lien Release Department reporting the issue and they said they would investigate the matter. I was told it would be resolved by the end of the month. 

XXXX came and the matter was not resolved. They sent an extension letter saying they needed more time to look into the matter. Two more extension letters have come since then. It's now XXXX and our refinance with XXXX is still on hold since XXXX, b/c Wells Fargo is holding things up. It is my belief that if they can not find any information about the lien in question, then they need to put that in writing and let the title company proceed. I believe Wells Fargo is just attempting to force us to stay with them by creating barriers to the refinance with 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 explanation