BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: Lockhart, Morris & Montgomery Inc.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called Lockhart Morris and Montgomery on XXXX XXXX, XXXX. I called about a debt with XXXX XXXX, to setup a payment plan. XXXX said, " I could n't because I could n't pay a down payment. '' Then we ended the call. After I ended the call, I received a email that my credit was ran for a installment loan. I never asked for or authorized the loan to be ran. I called Lockhart and told them I did n't authorize them to run my credit for any loans. She told me that there allowed to run my credit for loans because, I have a contract with swift. I am now seriously concerned that they will use my personal information for XXXX knows what.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was denied of getting a credit line increase few times due to too many inquiries and high balances on my credit card account and I contacted capital one to see if they can do a hard inquiry on my credit report which they refused and I had this account open in three months with good payment history and no past due and my credit rating with XXXX  is good as of XXXX XXXX and when I did a credit limit increase capital one did a soft inquiry instead and used a XXXX XXXX credit report and I was denied but all the inquires were removed off my credit report last week of XX/XX/2020 and I was so upset that the supervisor wasted my time and didnt provided me contact information so I can email the corporate office to show them my credit report my updated one ... where I dont have any inquires on it and Im still stuck with {$300.00} credit limit for months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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: Account status incorrect

Complaint:
I have paid my debt with credit cards with the bank of XXXX XXXX and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.

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 2020-09-09
Company: World Omni Financial Corp.
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: Investigation took more than 30 days

Complaint:
I am back to date with accuracy on my payments, I have always been a good payer and was told, as soon as I am back in track with payments to be accurate and my lates would come off from my credit report. 

I called to get all the help needed and XXXX had agree not to put any lates on my credit and they still report me late. 

The reason why I was late had to do with my job not been able to work was laid off for a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Long & Foster Financial Services, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my new home on XXXX and over XXXX dollars was put in my escrow. I got my tax bill for 2019, which was XXXX. I sent this 2019 property tax bill over to XXXX at Prosperity Mortgage who closed on my loan. I was told by my contact at Prosperity that the bill was paid along with my homeowners insurance. She said the balance in my escrow was {$6900.00} after these items was paid as of XXXX. However, after my mortgage was transferred to the new servicer, XXXX XXXX XXXX, my escrow balance is showing {$1000.00}. I was told my XXXX that prosperity paid another tax bill of {$7100.00} which there is not such bill. The bill was actually XXXX can't get in touch with anyone at Prosperity to let me know what happened to all the money in my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Before I opened the Savor credit card with Capital One, my husband ( who was also a Savor card holder ) and I specifically asked about whether cruise ship charges would be considered entertainment for Savor card reward purposes, therefore earning 4 % cash reward instead of 1 %. Both agents explicitly and definitely stated that cruise ship charges, including all expenses incurred on cruise ships are categorized as entertainment and would be receiving 4 % rewards. 

As a result of Capital One agents ' response, we put all cruise ship expenses on the Savor card, expecting 4 % reward ( instead of putting these charges on another credit card that give us 3 % rewards for travel ). The transactions included : XX/XX/19 XXXX {$2600.00} XX/XX/19 XXXX XXXX XXXX XXXX {$910.00} XX/XX/19 XXXX XXXX XXXX {$68.00} XX/XX/19 XXXX XXXX   {$3900.00} However, contrary to what Capital One agents told us, we were only credited 1 % cash rewards for these transactions as Capital One claims that these merchants categorize these transactions as travel. Capital One mis-informed us of its reward program categorization and as a result, we did not receive {$220.00} of cash reward that we were informed we would earn with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I took out an auto lease from Chase Bank, account XXXX. The lease was a 36 month lease that was set up for automatic monthly deduction from my bank account, at the end of the term Chase Bank assessed a bill for damage to the car, I did not receive this bill and was only made aware of the issue once I was notified of a 30 day late payment by the credit bureau. 

My issues are as follows : 1. The account was set up for automatic monthly payment and any fees should have been deducted as were the prior XXXX  on-time payments. 
2. I was never sent a bill or invoice from Chase until I called them to query the late charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
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: Information belongs to someone else

Complaint:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I contacted XXXX XXXX to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.

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 2017-11-14
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 filed a complaint on XXXX/XXXX/XXXX against TransUnion credit bureau XXXX, For their refusal to block trade-line I have requested due to Identity Theft. I had forgotten to include a copy of the Affidavit form TransUnion implies is the only form they will accept. I want to make sure their is mounting evidence the form was filled out correctly and notarized. It was mailed back on Monday XXXX/XXXX/XXXX. Therefore TransUnion has 4 days to delete the fraud trade-line. I have forwarded all this information to the XXXX and members of XXXX. 
I would also like to place on the record that prior to my identity being stolen ; -I have NEVER missed a payment in over 25 years of having credit. 

I typically never carry a balance on my credit cards and my credit history backs this fact up. 
Therefore, for TransUnion to not recognize the clear deviation of my credit pattern over the last 25 years is more proof their investigation is reckless or no investigation was ever conducted. 
Further, it must be asked why TransUnion chooses to error on the side against the victim whereas, some harm can not be repaired. Whereas, the alternative if TransUnion had BLOCKED the requested information and then conducted a proper investigation as the law requires. Any information can always be re-added.

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 2019-11-04
Company: Capital Accounts, LLC
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: Old information reappears or never goes away

Complaint:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
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: Information belongs to someone else

Complaint:
I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the FTC  and to my local police department. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing all of this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For months, I have tried to plead my case with Transunion that I have inquiries on my credit report that I did n't authorize. Customer Service representatives refuse to help me and remove the negative inquiries reflecting on my credit report. I am a victim of the XXXX breach therefore, my personal information has been compromised. My credit is very important to me and the fact the Transunion is not willing to remove these inquiries and denying my right to dispute is negatively affecting my credit. I am constantly being told to contact the credit agency even after I let the Transunion representative know that I have done so and have been redirected to Transunion to remove these inquiries. Being a consumer this is very frustrating as I have made multiple disputes to the XXXX and CFPB. I have called numerous times as well and Transunion refuses to resolve this issue. The last representative I spoke with told me that I needed to wait 2 years for the inquiries to just fall off which is not an option for me. The inquiries that need to be removed are the following : XXXX XXXX XXXX/XXXX/XXXX ), XXXX 's TX ( XXXX/XXXX/XXXX ), XXXX B ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXXXXXX ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ), and XXXX ( XXXX/XXXX/XXXX ). My next step would be to file a complaint with the XXXX and once again with the XXXX.I do n't need these items disputed, they should be removed and an updated copy reflecting those removals should be sent to my current mailing address.

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 2019-11-04
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: Information belongs to someone else

Complaint:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2019-11-04
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below. 

ACCOUNTS XXXX XXXX XXXX  XXXX never late DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU 3XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine COLLECTIONS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: Supreme Lending
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was driving home from an appointment, I did not catch the name of the gentleman who called me. At XXXX, from supreme lending, I informed him I was going thru XXXX XXXX, and no he couldnt beat the deal they gave me. About XXXX XXXX I received a text from my loan officer that someone had called her claiming to be me. As she has known me for 15 years and we had just spoken an hour earlier she knew it wasnt me and told them so and they hung up. The call I received was from XXXX, I know this is a routed number. My loan officer received a phone call from XXXX. Which I have saved in my phone from another supreme lending guy named XXXX who I was first working with n told me to save that number in my phone. When I called the number I was told it was XXXX  XXXX, but Since I have the phone number saved in my phone I highly doubt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: J & B Endeavors, LLC
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX I enrolled in the Student Loan Movement plan. On XX/XX/XXXX I requested information regarding my payments and student loan status. I received no response. On XX/XX/XXXX I contacted XXXX to find out that my principle balance had not been affected and that my payments were not be credited for the public services loan 120 payment plan because paperwork was still needed. I completed the annual recertification and changed my passwords to my student loan accounts online. 

The same day, XX/XX/XXXX, I contacted the customer service number to Student Loan Movement to cancel my plan. I spoke with a man by the name of XXXX, who informed me that he would be contacting XXXX to tell them that I do not qualify for the income based plan or that I didn't want it. XXXX stated that he would be sure to have my payments increased to at least {$400.00} a month. During this conversation, I requested that all payments be stopped from withdrawal of my account and specifically stated that I give no one but myself permission to access any of my student loan accounts. XXXX continued to threaten me saying that he was going to contact them and increase my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TWO WHOM IT MAY CONCERN I AM REPORTING J P MORGAN CHASE FOR DISCRIMINATION AND FOR CLOSING MY ACCOUNT DUE TO THE FACT OF THERE XXXX XXXX. AND THEY STILL OWE ME MONEY AND THEY KNOW IVE TALK TO THE COMPANY AND THEY WONT DO DO ANY THING ABOUT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS DEPT OF EDUCATION/XXXX  XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX   XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine U S DEPT OF ED/XXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PXXXX  XXXX XXXX XXXX not mine

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