BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've been a personal capital one cardholder for many years. Never missed a payment, credit score around 800 or above.

I applied for a business card 7 months ago in XXXX. I received a credit limit too low for my business activities of {$10000.00}. 

I've requested an increase every month for the last 6 months : around XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I asked for it to be increased from $ XXXX {$50000.00}. 

Each time I received an immediate automated rejection letter without a specific reason or anything to do with my financials or a clear waiting period. The reason stated says they are still evaluating ... 

It does not give me my credit score or credit bureau where they derived information as I read on the CFPB website. 

I finally called in again today XX/XX/2020. The agents couldn't give me a reason and just said wait longer. I escalated this to a manager and he said there was no one I could speak to. I tried to file a complaint and he said he could note my feedback, but there is no way to escalate or file a complaint. He said he couldn't even read the 6 rejection letters in my account. 

What should I do? Am I being discriminated against? Help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
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: Information is missing that should be on the report

Complaint:
Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not 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 explanation
Consumer complaint received 2018-06-20
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was notified by mail on XX/XX/2018 that my mortgage loan was purchased by XXXX XXXX on XX/XX/XXXX My original mortgage was through Quicken ; I closed on my new home XX/XX/XXXX. My loan was only with the original company I CHOSE for LESS THAN 2 MONTHS! Upon conducting some research, I learned that legally both the old and new servicer must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I never received the servicing transfer notice, so I'm filing this complaint with the CFPB. Additionally, XXXX XXXX couldn't even be bothered to update my mailing address to the purchase address ( this should be a given, common sense! ) so I received the notice of them purchasing my loan over 30 days after it was sold because not only was it sent to my old address but it was sent out on XX/XX/XXXX. This is not right, these huge corporations need to be held accountable for the ways they take advantage of everyone! When is the corporation going to be held accountable/responsible and where is the protection for the consumer??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called XXXX to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed 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 explanation
Consumer complaint received 2018-02-23
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I took out a mortgage with XXXX for {$310000.00}. XXXX filed BK in New York. Since then I have made all my payments on time for {$2500.00} per month which were not applied correctly to principal. Recently I was told by Caliber Home Loans that I had a superavit in Escrow and the Unapplied Funds account and they would post it as the XX/XX/XXXX payment and they have not and want a detailed explanation why not asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2014 my father died. A person ( now deceased ) removed monies from a Chase savings and checking account that belonged solely to my father. That Person was not signator. Chase has repeatedly refused to explain or provide an accou t beneficiary form. these are the two accounts # XXXX {$9600.00} # XXXX {$6600.00}. The estate of XXXX XXXX is now closed as the heir I am requesting the the CPFB have the bank Chase # XXXX return the stolen monies. The bank had no right to release any of that money and they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2018, I XXXX XXXX filed a dispute with Equifax credit bureau ( # XXXX ). On XX/XX/2018 I called to check why I havent receive my results from the investigation. I spoke with XXXX from the special handling department where my file is being monitored because of identity theft. I stated to XXXX that I have not received my results and the 30 days had past. She said that the results were emailed to my email address, XXXX. I said to her thats not my email address and she replied, Im sorry for that. I will send it to your home address, I explained to her that the 30 days has past and according to the CFOB and FCRA that you had 39 days. I kindly asked her to remove the items because they fail to complete the investigation within the 30 days and notify me of the results and the fact you sent all of my personal information to an unknown email into the hands of strangers, she refuse to delete the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've submitted a dispute using this site and all I've received were duplicate copies of the same letter but nothing I requested to which is supposed to be furnished to me. Nothing was submitted as proof, validation or verification. So again I'm asking for them to furnish the following documents ONCE again : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: BARCLAYS BANK DELAWARE
State: CA
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 balance transfer

Complaint:
I kept receiving balance transfer checks from XXXXXXXX XXXX. I finally use one to pay off Barclay Frontier Master card. I didn't realize my limit on XXXX was {$1800.00}. I wrote a check for {$1800.00}. Barclay tried to submitted check twice. I was charges a {$27.00} NSF fee. I called Barclay to explain the situation and went online to change the amount to be taken from my checking account from {$1800.00} to {$490.00} because XXXX XXXX did a balance transfer over the phone. So I get a text from XXXX that my account is overdrawn making my balance XXXX. When I went online to change the amount. I didn't even owe on the account to Barclay. So they took out the {$490.00} and {$1800.00} and they will receive another {$1700.00} from XXXXXXXX XXXX. They will not refund the NSF fee of {$27.00} and now they have been over paid on my Barclay amount. I know it is my stupidity to use credit and balance checks but Barclay has been over paid. i have excellent credit. 

I also want to make a complaint to XXXXXXXX XXXX as well for sending me balance transfer checks to make sure use them. They will not reverse the transfer even though I told them Barclay XXXX out my account and their balance is paid in full. the supervisor I was talking to hang up on me and when I called back to ask for her name XXXX would not give it to me. I am so frustrated on the system. I was just being a smart customer to pay off my debt but I am being penalized for using credit card. I know there is nothing that will be done because you will say I am just a XXXX person for using credit cards and transfer balances. I don't think it is right on how I was treated by Barclay and 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 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
On XX/XX/2018, I sent a letter to Capital One Auto Finance to dispute information they were reporting on my credit report about an auto loan I had with them. They responded to my letter by sending me a print out of payments they say I made to them. However, according to the Fair Credit Report Act ( FCRA ), they were also supposed to report to the credit reporting agencies that a notice of dispute be placed on my accounts within thirty days, which they failed to do. On XX/XX/2018, I sent them another letter advising them that they did not comply with the FCRA by issuing the notice of dispute. I then checked my credit report on XX/XX/2018, and they still had not put the notice on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX account is paid and closed but is still reporting on my credit report. 
I asked all three of the credit reporting agencies to remove this account since it impacting my score negatively. However they have yet to even look into this situation accurately. 

account XXXX paid closed

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 2018-06-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 is missing that should be on the report

Complaint:
I obtain this loan in XX/XX/XXXX. Since the first payment date in XXXX of XXXX, I have never missed a payment and it has always been on time. In XXXX of XXXX I filed bankruptcy, but we reaffirmed the vehicle. I have made a payment every month since then. USAA is who this loan is through and I have called them numerous amounts of times about the loan and payments not reflecting on my Credit Report. I've spoken to my lawyer who has assured me that on XX/XX/XXXX the reaffirmation letter was sent to USAAs Lawyers and that the car payment should show positive on my Credit report. Speaking with several different people and departments at USAA, no one seems to be able to give a clear answer on why it is not and they can not even see the loan on my account, yet I have the loan payment history showing the account number and when it was taken out of my account monthly. I am trying to rebuild my credit and not having this show is not helping it at all. I am at a loss on what to do since the people at USAA can not help me. 

Thank you XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I got an email from XXXX XXXX alerting me that a collection had been placed on my account for XXXX XXXX XXXX  on behalf of XXXX XXXX in the amount of {$120.00}. I never knew any thing about this balance spoke to XXXX XXXX XXXX on why they didn't call me they stated that they don't know why, but they mailed out a letter but I have moved from that address since then. I went on and paid the balance in full on XX/XX/XXXX and ask for them to give me a paid in full letter and to have it removed from my credit report, they stated that they would but it is still on there and they didn't provide me with any documentation. I'm asking that this be removed from my report. I'm in the middle of closing on a home, and have no collection on my report besides this one, I'm asking that this be removed from all agency as soon as possible thanks XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Early Warning Services, LLC
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: Reporting company used your report improperly

Complaint:
EWS LLC A CRA HAS SHARED CREDIT FILE INFORMATION, EWS ALSO GENERATED AND INITIATED WITH UNVERIFIED INFORMATION FROM XXXX XXXX. INFORMATION FROM XXXXXXXX XXXX IS DEROGATORY AND WITHOUT EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: ERC
State: MI
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 was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called ERC to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.

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 2020-08-20
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: Information belongs to someone else

Complaint:
XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating fraud, which I have sent to the credit reporting companies.

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 2018-06-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Opened XX/XX/2016 for XXXX XXXX XXXX. 
National Credit Systems XXXX. XXXX XXXX XXXX GA XXXX for the amount of {$1400.00}. 
I wrote to them to verify this account back in XXXX and have not received anything. This account is not validated, and needs to be removed. As of XX/XX/XXXX any civil judgement not validated or proven has to be removed. I am asking that this eviction be removed from all 3 bureaus, and proof of validation. If this can not be furnished then deletion is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Lender Loan CarXXXX, did the annual review of my escrow/impound account and found there was an overage of {$110.00}, the statement showing this is dated XX/XX/XXXX. 
Then I receive a Statement dated XX/XX/XXXX which states now their is a shortage and Increased my payment {$3.00}. 
On XX/XX/XXXX after I had received the overage check I called Loan Care and said I would rather leave the money in the escrow account so as to not increase my monthly payment and gave them the money back, confirmation # XXXX. 

Then I receive the monthly statement dated XX/XX/2018 which says my payment has increased by the {$3.00}, I called Loan Care to inquire about the payment not increasing because I gave them the {$110.00} back and was advised that would do nothing to reduce the payment. This whole process does not make since, I would rather the lender keep any overage or give me the opportunity to pay any shortage rather than increasing my payment. 

This seems like extra work on everyone 's part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 took a loan through XXXX XXXX and it was settled less than full balance. I paid this loan off in XXXX of 2018. In XXXX they reported that a payment was made after 30 days when in fact this account was already paid in full the month before. This has lowered my credit score and no one in this company seems to understand this.

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 2021-06-21
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
during the housing crises my mortgage loan was being service by XXXX XXXX XXXX XXXX. After 6 years in foreclosure I receive a loan modification. I was under duress and facing the homelessness with my XXXX year old child I had no other choice. At the time of the modification the home was valued approximately {$190000.00}. XXXX XXXX  place a new loan on the of {$480000.00} this was unconscionable. Additionally this loan has a balloon payment of {$350000.00} on the loan maturity date. There is absolutely no way they value of the home will every be worth {$480000.00} and there is just now way that the home will be value at {$350000.00} on the maturity date of the loan. XXXX did this knowing that there is just no way out. Recently my loan was transferred or sold to PHH mortgage service who has decline to help me. The loan is now owned by XXXX XXXX  and is being serviced by PHH Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
I have contacted Bank of America even sent documentation that I did not authorize a auto credit inquiry on XX/XX/XXXX or inquires with the bank XX/XX/XXXX or XX/XX/XXXX the bank has told me they do not know why the inquires were done and to dispute it but the credit agencies have stated that bank of America has to remove them and they can do nothing.

Company response to consumer: Closed with explanation