BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Due to Covid-19 and I lost my job, I had my auto payments deferred with Capital One Auto Finance from XXXX to XX/XX/ 2020, and it was approved, and granted. I received a email of confirmation, and a letter of documentation in the mail to show that it was confirmation approval. But on my credit report for the months of XXXX, and XXXX of year 2020. It was reported as 30 days late twice. A 30 days late for the month of XX/XX/ 2020, and another 30 days late for the month of XX/XX/2020. Which has drop my credit score tremendously. I thought when a payment be deferred, and put on the end of a account term. It do not report to the credit bureaus as late so it do not hurt your score. All I ask as a high echelon in the name of XXXX XXXX XXXX XXXX, that this be fix immediately so I may be able to find another job, to support my family in this pandemic. Please, have mercy help me. Because right now I am in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report I fought with a company XXXX which put a debt on my credit report through XXXX XXXX XXXX and the debt was deemed not a valid debt through CFPB. The history is on my account and now they just put the debt again through another company called EOS CCA collection for the same thing on my credit report. I just want them to completely remove this from my account because they are hurting my credit and affecting my life for a charge I never made. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX they were told that this account was paid in full to XXXX Bank they called me a XXXX lier and called my work when ask not to call me at all l told them to send all correspondence by Mall. Have recordings of the conversation.

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 2019-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX XXXX, XXXX and XXXX XXXX has cost me to lose 95 POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account. Other bank credit cards that I paid in full with zero balances and I cancelled the credit cards are reappearing after disputing with balances again!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Account information incorrect

Complaint:
I believe the accounts on my credit file are inaccurate and have not been verified by the credit bureau.

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 2020-12-11
Company: ERC
State: WA
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:
On XX/XX/2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Global Lending Services 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 status incorrect

Complaint:
The Global Lending Services LLC company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, XXXX  and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to Global Lending Services for the last 4 months. Yet they still report a 30-day late  payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from GLS LLC themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got my Skylight One Bank though my first job that how my employer paid my paycheck. 
I received temporary card and no incorrect charge was posted. When I received my permanent card with my name on card that month I notice incorrect charges and they were all from the state of California XXXX ride XXXX XXXX. I live in XXXX Florida over 3000 miles away one day I was paying for XXXX  XXXX in XXXX Florida a XXXX  ride in California was get charge to my card at the same time and the bank did nothing. Give notice of FRAUD to my Skylight One Bank Card they said they would investigate problem then received letter claim was closed. Then I received a new Skylight One Bank card I call they told me it was mail to me because of Data breach. Since then I have received 3 cards with same issues and they never can tell when and what they did to investigate these issue to give me back my money. Skylight One Bank when calling them about this issue you get put on hold for 27-30 minutes. Skylight One claim they will send you a itemize statement that never arrive. Then you start have problem login in account to get the basic information. Next Skylight One know you only speak English they transfer to customer service that don't speak English which make you start the process all over again.

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 2017-08-09
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX  with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CL Holdings LLC
State: WA
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:
On XX/XX/2020, JEFFERSON CAPITAL SYST add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYST has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive tired to have the 3 credit to bureaus to dispute inaccuracies on my credit history. They mailed me out a packet to dispute these inaccuracies. My husband at the time ( im in a XXXX  divorce status ) XXXX XXXX told me they must mot have mailed it out so i never received it. This seems to happen with most my mail with him around. He has a brother XXXX XXXX that took out credit cards in his name an he never pursued to do anything about it. He knows i would have. I also cant log into XXXX XXXX  an it will not allow me to change my password. I emailed them awhile back but no response if you could give them my email that would be greatly appreciated. XXXX If you have any more questions please contact at XXXX. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, oh 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
Consumer complaint received 2021-02-26
Company: Advance America, Cash Advance Centers, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls to my cell phone throughout the day. 

Example : Received calls today, XX/XX/2021 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: MI
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX afternoon around XXXX. I entered Bank of America located in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I proceeded to the Atm inside the branch to activate my business card once i was done with that i tried to deposit some cash. The Atm gave me back cash that didnt go through and keep {$400.00} dollars without depositing into my account. I didnt receive no receipt. The Atm gave me back my business atm card and did not deposit/credit the {$400.00} in my account. I called made a claim and was told to wait 1-2 days. I called the next day and 2nd day nothing still was credit into my account. So now bank of america customer service says that i have to wait until XX/XX/XXXX to receive my money. I feel taken advantage of, i been lied to about 1-2 days now it changed to XX/XX/XXXX. I need some answers to why they lie to me then take my money and i have to wait weeks to get. Im so upset. Please help me solve this problem please. Thank you have a great day.

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 2020-05-20
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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
Consumer complaint received 2020-11-21
Company: NAVY FEDERAL CREDIT UNION
State: IN
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 had a Navy FCU credit card account that was opened in XXXX and closed in XXXX. It had a {$1000.00} limit was closed with a XXXX  balance. They are reporting current use in XXXX and 120 days late with several payments in XXXX and XXXX. This is all completely false information and they refused to adjust my credit report. In addition, it now shows a recent payment of {$250.00} with I have no knowledge of and a current balance of {$2100.00} when the limit was only {$1000.00} when I had the account. 

I want this false information removed immediately as it has dropped my credit score by 100 points and is stopping my from using any credit whatsoever. 

Again, I closed it in XXXX, it 2as never late with a perfect payment history and closed with a XXXX  balance. 

If someone is using this account they should be prosecuted for credit card fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions 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:
THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY AND THAT I AM THE ONE HANDLING MY INFORMATION. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Transunion, XXXX, and XXXX several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-05-20
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid my Wells Fargo mortgage loan # XXXX in full on XX/XX/XXXX. I contacted Wells Fargo at XXXX on XX/XX/XXXX at XXXX XXXX  and was told my escrow would be refunded and I asked about my PMI. When I purchased my home in XXXX we paid our PMI in full for {$4900.00}. I told them I wanted my refund of around {$4000.00} due to paying off the loan. The first female I spoke to told me she consulted with someone in the PMI department and he said due to the Homeowners protection act I do not get my PMI back and they keep my {$4000.00}. I asked them how that is and told them I will file a complaint. She then directed me to The executive office with XXXX XXXX who told me my case would be looked into and someone would contact me within 24-48 hours to talk about my situation. I told her I was told by a friend who does her exact job this is what they would try to do. The initial person could have handled and took care of my situation but instead they pass it on so they can buy time and waste 60 days before returning my money if they ever follow through. She then told me she doesnt think it will take 60-90 days and mentioned 10 day turn around. I asked her again so this will be resolved in 10 days and she said my person would contact me and let me know. This is ridiculous. We paid this money it does not belong to them and it should be refunded. They are giving me a run around and its exactly why I got away from Wells Fargo for my mortgage.

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 2020-02-26
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:
2017 I opened my account with XXXX XXXX service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.

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 2020-12-11
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My most recent request to Experian and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at XXXX  on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.

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 2023-01-31
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a continuation of complaint XXXX. Amerihome after not responding to my phone calls placed my home into the foreclosure process at the end of XX/XX/2022. Prior to getting a foreclosure notice I submitted documentation to Amerihome for a loan modification. Once I got the foreclosure notice from the lawyer I immediately applied for the XXXX XXXX XXXX XXXX XXXX since I fell behind on payments due to XXXX. Both the law firm and Amerihome confirmed that foreclosure proceedings have been halted. With that in mind, I want written confirmation that I will not have any negative credit reporting during this time period. Amerihome has been unwilling to accept my mortgage payments, and negative credit reporting would both be unfair and detrimental considering my payments wont be accepted. I've included the XXXX  confirmation letter for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation