BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 I noticed that my credit score with Transunion dropped by 76 points over night! I contend that this is not only arbitrary, but also credit  discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with XXXX. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, 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 2018-07-13
Company: North Shore Agency, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The North Shore Agency debt collection agency attempts to collect {$100.00} for the XXXX XXXX ( Creditor ) Account # XXXX It claimed that they sent me jewelry in which I had never ordered nor did I receive it.

The debt collection agency web is XXXX The automated attendant toll free number is XXXX The address is North Shore Agency -- XXXX  XXXX XXXX XXXX XXXX XXXX, NY 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 2021-03-04
Company: ID Analytics, Inc.
State: SD
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:
SageStream , LLC which relates to previous case XXXX, which you closed without a satisfactory resolution. 
Requested credit report on XX/XX/21, and have not received report or any communication from them. 
Requested definition of decline statements made to XXXX, and used by XXXX, to decline credit request in previous complaint. XXXX has also not responded to similar requests made to them on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I sent a request for a credit limit increase to Capital One Bank which has been denied many times arguing that my credit score is under 600 but it is actually over 650 according to XX/XX/XXXX 
XX/XX/2021 request was denied. Current credit limit is {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my 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 2018-05-07
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: Information belongs to someone else

Complaint:
This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX- orginally removed from my account and placed back onto my account through a collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express charged me a late free in XXXX for allegedly missing a payment. However, I got an email confirmation that says I submitted a payment on XX/XX/XXXX XXXX payment is due XX/XX/XXXX. ) I attempted to contact American Express using my account 's online web portal but there is no way for me to dispute this charge ( unlike other charges which provides an easy link ). I attempted to call them, but have been disconnected or put on wait endlessly. This is most likely due to the COVID-19 situation. I was charged a total of around {$45.00} in late and interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account 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 2021-02-23
Company: EQUIFAX, INC.
State: MA
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:
XXXX account number XXXX this account was never late. however it is reporting on equifax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 120 days late. it is also commenting all on 3 credit reports incorrect comments. we have asked they verify this information and have not done so. after multiple attempts we are using CFPB before filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PNC Bank N.A.
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:
To whom it may concern : My family and I are in the process of attempting to purchase our first home. We were supposed to close at the end of XXXX but due to issues on the sellers side, the closing was postponed until the end of XXXX. My lender did inform us that due to the delay, paper work would have to be updated and a closing could not take place until the issues with the sellers were resolved. 
On XX/XX/XXXX th I was called by my lender and was told that after a credit refresh was run on my husband a 30 day late appeared on his credit report for a PNC credit card. This came as a total shock to us, what made matters worse was that the late resulted in a credit score drop of over 100 points on each credit bureau, this drop in score has basically eliminated us from getting our mortgage and essentially leaving us homeless. 
The reason I am writing to you is twofold. The first reason is the way the credit billing was handled by PNC. The due date for the card was XX/XX/2020 the day before XXXX, at that point my family and I were getting ready to leave our apartment, due to Covid 19, my husband was working extra shifts and I was packing up the house, but we never received a paper bill from PNC. I am not set up for paper free billing so we rely on the paper bill. In addition, our history with the card was excellent no late payments ever. Because of this mistake, our mortgage approval is in great jeopardy. 
The second reason for this letter is the unreasonable nature of the credit score drop. As they say let the sentence fit the crime. Even if they say the late payment is ruled legitimate which I do not believe it is why would my husbands credit be impacted so much for 1x 30 day late on a credit card. According to my lender, my husbands middle score dropped 130 points this is unfair and has been devastating to my family. We have been hit hard by the pandemic I was laid off and have been caring for a XXXX child, the loan was under the name of my husband and my Mom, we need help to resolve these issues as quickly as possible. We need a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I made a payment for {$2000.00}, that payment amount was a mistake. My monthly payment is {$250.00} a month. I am an XXXX veteran with XXXX XXXX and did not notice this mistake until XX/XX/XXXX when Ally Financial contacted me because of late payments on the account. That day since I noticed the over payment I told them to take the payments that were due from the {$2000.00} and refund me the rest. I called again on XX/XX/XXXX to check the status of the refund and payments and they told that they needed another 24 to 48 hours to complete the process. I called again today XX/XX/XXXX and they said that they applied part of the {$2000.00} to the months past due and the rest they applied it to the principal balance of the loan. They do not want to refund me anything and did not authorized the transaction to apply the remaining part of the {$2000.00} to the principal.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am going through the covid-19 problems and issues financial problems Capital One don't care about nobody but themselves this a very XXXX and unprofessional Bank but that's what happens when a bank be hacked so many times charging late fees on crisis I wish Kohl 's select another consumer Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home that was purchased in XXXX. My mortgage has changed servicing companies a few times over the years and has always been seamless. The refinance was done through Mutual Mortgage and closed on XX/XX/XXXX. There was a signed agreement to disperse escrow funds to the town where the house is located. This is a split property where I have 2 acres in XXXX NH and 4.5 acres in XXXX NH. My home is in XXXX and of course the bulk of my taxes are owed - XXXX XXXX yearly. The town of XXXX gets about XXXX XXXX  yearly. The XXXX taxes were due in XX/XX/XXXX for {$2400.00}. As of this writing, Mutual has dispersed {$86.00} in taxes to XXXX and {$0.00} to XXXX. My escrow is well funded with over {$4600.00} balance. I began making Mutual aware of their failure to pay these taxes in XXXX. The town plans to place a lien on the property on XX/XX/XXXX. Of course if this happens my credit rating will crater and my home would be in danger. After numerous calls and emails to Mutual, my issue was place with a resolution specialist named XXXX. XXXX informed me of such and said she would get back to me no later than XX/XX/XXXX with a resolution or update. This is the 3rd deadline I have been given for resolution by this company and they have never honored one of them. Emails to XXXX starting on XX/XX/XXXX have gone unanswered. Calls to XXXX have gone a voice mail box that is full and not taking messages. When I closed on the refinance one of the pages I signed stated that taxes of {$2400.00} would be paid on XX/XX/XXXX and {$3000.00} paid on XX/XX/XXXX. This was signed in presence of notary. Of course penalties are accumulating daily. Can I demand a return of my closing costs and refinance with a reputable company? Can I file suit for potential damage to my credit or possible action to take my property? Or are they just allowed to do this to people? Mutual Mortgage is a subsidiary of the Mutual of Omaha company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Bread Financial Holdings, Inc.
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: WELLS FARGO & COMPANY
State: AL
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-04
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I am writing in today about my Car lease with Kia Motor Account # XXXX. This account is reporting a late pay in XX/XX/2020. I would like to address this matter. My account was on autopay the entire duration of the loan. Upon extending the lease I was under the impression that the payments will continue being withdrawn out of my account. Unfortunately that did not occur yet the minute I was made aware of this issue I made the payment and fixed the problem as not to have that 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 2018-07-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a follow-up to CFPB case number XXXX, Wells Fargo case number XXXX. I was told by Wells Fargo on XX/XX/2018 that my next statement would contain the correct promotional terms ; however, my XX/XX/2018 statement still contains the incorrect promotional terms.

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 2021-02-10
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today I called Rocket Mortgage to make sure going forward to XX/XX/XXXX they mark my account to only put payments towards Principal since this I don't owe any monthly payments till then. This bank seems to collect money on interest that didn't happen yet. I have been paying $ XXXXweek automatic payment from my bank. Rocket Mortgage only has an option of paying monthly or biweekly so therefore in order to make sure my payment gets there I make sure to have in place an automatic withdrawal the day I am paid so I don't overspend. 
On multiple occasions I have called in to Rocket Mortgage and they have magically put in the computer to put all money sent to them into Principal only until I hit the date my mortgage is due which usually is several months in advance. Since inception I have paid weekly paying more than I need to pay each month. Instead of having the extra go towards principal they stick it towards the next payment. When doing so I have been paying months of payments ahead of schedule and the bank has been keeping the interest. If I don't owe a mortgage payment till XX/XX/XXXX why in XXXX did they collect interest on XXXX, XXXX, XXXX & XXXX BEFORE it has happened. These banks are collecting interest when all additional $ $ should be going towards principal. Because their app and website only has 2 week and monthly options people like me that get paid every week do not have the option of sending weekly unless they go thru their local bank. I am sure if you look back Rocket Mortgage has collected lots of interest they didn't earn. All previous occasions the bank was able to have all money go towards principal until now. Very upset banks get away with this. They should be held accountable for collecting interest and making money on us. If you look at my attached bank transactions I called to them on XX/XX/XXXX and asked that they make sure all payments go towards principal since I was ahead in payments until my next payment that was due XX/XX/XXXX and did it again on XX/XX/XXXX till I owed a payment on XX/XX/XXXX check my attachment I highlighed in yellow!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2017, I switched phone companies from XXXX to XXXX. XXXX has a switcher or buyback program where they will buy you out the phone up to a certain amount. I spoke with a representative from XXXX at XXXX XXXX as to how long it will take to pay the whole bill off before it reflects on my credit and she told me 6 months. When I was doing the switch for my wife & I, we have to give XXXX both phones, which we did, in order for the switcher program to proceed. They sent one box to my house and as instructed by XXXX ( a worker at the XXXX store ), I put both phones in the box then a week later a second box was received. Up to this day, I've been still trying to resolve receiving credit for the second phone that was traded in and because of that, XXXX has still not paid for the second phone from XXXX. XXXX, in 2 months, sent the bill to a debt collector where I tried to dispute it and they were rude and told me it would affect my credit badly if i didn't pay it and when I do pay it, it would come off my credit ( which i found not to be true anyways ).

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