BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a letter today, XX/XX/XXXX, dated XX/XX/XXXX, from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. We have kept your credit limit significantly above your highest balance over the last 1 year to ensure you can continue to use your card as you have been, while providing flexibility for future spending. Thank you for being a Capital One customer. We look forward to continuing to serve your needs. Sincerely, Capital One '' This is not right! I called and told the Rep the above story. He says I have been a customer since XXXX. I told him I had an {$8000.00} credit limit and now your are reducing it to {$2000.00} dollars just because I havent added thousands of dollars of purchases to my account? I told him that wasn't right. It was nice to have the higher credit limit in case I would need it some time. What did I do to deserve this? Have always paid my bills on time! They don't care about the average customer. The Rep didn't even try to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: EQUIFAX, INC.
State: TX
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 pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called XXXX XXXX XXXX and they confirmed that all payments were made on time. Transunion is the specific credit bureau that I am having problems with. I did not get a copy of XXXX 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my Transunion account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!

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 2020-06-28
Company: CORELOGIC INC
State: NJ
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:
I was specifically looking for a prequalification, which only requires a soft pull. However, XXXX XXXX, XXXX XXXX, XXXX # XXXX did a hard pull on my credit without asking for my authorization.

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 2018-06-08
Company: Experian Information Solutions Inc.
State: DC
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, Experian and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 placed a dispute with Transunion requesting that a XXXX  negative item be removed from my credit report due to the first day of delinquency had exceeded 7 years. 
Transuion did not remove XXXX negative item despite the FDOD being longer than 7 years. 
Transunion investigated the dates of the MOST RECENT transactions instead. 
Transunion said the most recent transaction were correct so they were not going to update my credit file. 

My dispute was not about the most recent transactions dates - it was about the oldest transaction dates with exceeded years. 
Transunion removed the older dates from my credit report - having it appear as if the 7 years had not been reached. 

Since I am making this complaint there is another item - A XXXX XXXX debt that has also passed the 7 year DOFD. 
I want transunion to follow the law & update my credit report with the removal of FDOD items. 

I placed the same dispute with XXXX  - they removed both items that were beyond the FDOD reporting window. 
I placed the same dispute with XXXX - XXXX also didn't investigate the FDOD - they confirmed the dates of the MOST RECENT activity - exactly as Transunion has done.

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 2020-10-09
Company: The Receivable Management 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: Information belongs to someone else

Complaint:
I have attempted to reach out to this company via mail and no response. After careful review of my credit report I see that this company is reporting A debt owed of XXXX for XXXX  XXXX I currently have XXXX XXXX and my insurance is active and valid. I have reached out to XXXX  myself and was informed they can not or do not send an active policy to collections. They assured me my poliy is in great standing and my monthly payment of XXXX for my XXXX  XXXX XXXX does not match the balance reported of XXXX. This seems to be some sort of error or misinformation. I was told by XXXX since they have no records of such reports I would need to dispute with credit b. I have submitted disputes there and nothing has been updated. This company is reporting false information on my report which is illegal. Im not sure how they recieved my information if XXXX  is saying they have not reported such information. And again the balance this company is reporting isn't an amount that I would owe because my payments are much higher then this for two cars that I have currentln with this company. I was able to view the last four of the account number on my report and it does not match the last four digits of my actual account number. Whcih confirms this information is indeed incprrect.

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 2018-04-19
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have 2 banks XXXX XXXX that I owe {$2000.00} and Santander bank that I owe almost {$3000.00} that I cant be able to open an account someone used my id and social to obtain a debit and credit without my permission and I was told to pay it back to the bank when I haven't opened the account. I have a lot of fraud going on someone is using my information to open accounts and using my name to claim I did and I am responsible to pay back every penny. I also confronted it to the bank but they cant be able to help me. Please help how can I can go about doing so. thank you

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 2019-08-09
Company: Dynamic Recovery Solutions, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received numerous calls for years " attempting to collect a debt '', from DYNAMIC RECOVERY SOLUTIONS. I believe it is for a student loan of a former co-worker of mine. I have told them numerous times I am not that person. I even provided them her number, years ago when I still had it. I have not been in contact with the person they are looking for, for at least 6 years. I have told them nicely and more forcefully to stop calling me. They reply, in a very rude tone, that they have worked with me before. They obviously think I am trying to get out of paying. I have blocked the number, but they call from another one. I have left them voicemails and as of today, I emailed them. Their website they provide on their voicemail, when I called them is GOTODRS.COM. I will call them again tomorrow and demand a person that is higher in the ranks, in hopes they will listen to me. 
At this point, it has gone way beyond what is acceptable. This is outright harassment. I'm hoping you can help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I want to receive my mortgage taxes and interest refund for 100 % XXXX XXXX. XX/XX/XXXX I was declared a 100 % XXXX XXXX. I was notified in XX/XX/XXXX. I took my letter that stated my 100 % XXXX to my county Tax office who filed it which exempt me from paying taxes. They told me to send a copy of the letter to my mortgage company so they will stop collecting taxes out of my mortgage payment which will lower my payments. I kept calling the mortgage company asking them when they were going to reduce my payments. With each call I was told they would talk to their supervisor and get back with me. No one ever did. In XXXX I called and was told they would adjust my payments when they receive my tax bill in XX/XX/XXXX. I called them in XX/XX/XXXX about my payment adjustment and they said they had not received my tax bill. I was told by the Tax office my tax bill had gone out to the mortgage company and they had payed {$790.00} for taxes for XXXX thru XX/XX/XXXX which was before my XXXX rating of 100 %. I called XXXX XXXX back before XXXX XX/XX/XXXX and they told me taxes were paid and it was a good thing I brought it to their attention because I would not have gotten an adjustment on my mortgage. What he said upset me and I asked for my refund of taxes and interest which is over {$5800.00}. As of today, they are still deducting my mortgage payment of {$1200.00} which is incorrect, and we are in the month of XX/XX/XXXX. I called them today and was told they are still processing my payment and {$1200.00} will automatically be taken out of my account for XXXX. I told them to turn off the auto pay, and I want my tax and interest refund. I looked this company up and they have bad reviews and others have had the same problem I'm having.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX and TransUnion have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX  sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!

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 2020-06-03
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During payment process of my loan, the mortgage servicing company failed to withdraw one of the monthly payments. I called them on this several times, had it escalated but was told each time that everything was current on the loan and to just leave alone. Ive have never missed a payment. 
Later, I refinanced my mortgage with a new lender. The original loan was paid off and I received the released of the deed of reconveyed as confirmation. 
3 weeks later the original mortgage company reached out to escrow saying that the payoff was short. Escrow asked for explanation and none was given. I mentioned to escrow what was probably the cause of the issue but then the mortgage company returned the money back to the escrow company and re-open the loan. 
Ever since myself and escrow have been trying to work with them on this. The mortgage servicing company has been investigating but at the same time is sending me foreclosure warnings and now want to move forward with it. 
They have found part of what caused the problem on their side but are now refusing to address the issue and want to charge me for additional payments ( on top of the one they failed to withdraw ) after the loan was closed when I refinanced.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed erroneous accounts on my credit reports with XXXX XXXX, and TransUnion and my disputes have been ignored. I have attached the latest letters that were previously sent to the credit bureaus along with the certified mail slips. 

Certified mail slips XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TransUnion

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 2019-01-31
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:
From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
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 information incorrect

Complaint:
As of XX/XX/2018 I had a XXXX credit score ( excellent ) with Transunion and a XXXX with  XXXX. For over 15 years the two bureaus have been within 1 to 15 points of each other with the same credit factors being reported. At this point let me express I am fully aware of what does and doesn't constitute score changes both lowering and raising. I have worked diligently raising these scores particularly in the last three years. Within 28 days, while XXXX and XXXX have risen Transunion has dropped 101 points given the same positive criteria like credit card payoff to XXXX  balance ( XXXX up 14 Transunion dropped 49 ) it literally makes no sense. The scores between the bureau are 100 points and two categories different. I dropped from excellent to good to fair in the space of 28 days with Transunion while my scores went up with XXXX. YES there can be a glitch or scoring model inaccuracy and the Transunion representatives that I talked to from level one to level three could not make any sense of this drastic score drop and even asked if I had a recent bankruptcy or default. No. I have excellent history of everything and still outstanding credit with other agencies. We're not talking about a 10 or 20 point difference here. This is 100 points for no reason. Please address this with Transunion and I'm confident they will find the scoring error.

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 2018-02-02
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to a loan servicing company known as LoanCare. I called them on XX/XX/XXXX when I noticed that the property taxes due XX/XX/XXXX had not been paid, and was assured they would be paid on time. I noticed on my county website in early XX/XX/XXXX that they still had not been paid and called the company. They told me to send an email, which I did. I then received a delinquency notice from my county treasurer last week, indicating that they had not been paid. I emailed the company again, since I had received no response. That was on Monday and I still have no response. I called the company tonight and been on hold with their customer service line for an hour. 

My escrow balance is far in excess of the taxes that are due, by the way.

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