davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have had a business visa through Capital One for many years, NEVER been late on a payment and always pay more than the balance due. When I got this credit card the credit limit was approved without any problems or issues, so I do n't understand why all of a sudden the credit limit was decreased. Today XXXX I received a letter via email from Capital One informing me my credit amount was lowered ( see below for copy of letter ). I called Capital One immediately and they could n't provide a good reason why this happen and that there was nothing they could do about it, it was a decision on their part. As a business owner I use this card a lot and yes I always keep a balance on my credit card, per my personal Accountants request. No one from Capital One has ever called me to discuss this matter, I was blindsided by only an email with a standard brief message. As a consumer I feel this is terrible customer service on their part especially when my account with them is in outstanding status. There is a reason I asked for the credit limit I did when I opened my Visa card, I even told them at the time I would be using this card regularly, Capital One approved this credit limit years ago without any problems, they even told me with Business accounts they know balances are higher than most credit cards, as long as I pay the min. payment by the due date ( which I pay more every month on time ) everything would be okay and now they decide to lower the limit without just cause or any warning. Nothing has changed on our part, if anything my income and credit score is better than when I applied for this card. LETTER FROM CAPITAL ONE Our goal is to always keep you informed about changes to your account and how they impact your business. Today, we want to make sure you know about a recent change to your account. <P/>On XXXX/XXXX/XXXX, your credit limit was changed from. The reason ( s ) for this change : Recent monthly payments have been too low compared to balance on this Capital One account Proportion of revolving balances to credit limit have been too high on this Capital One account recently Use of all of your available revolving credit has been too high on your XXXX  credit report Recent payments have been too low for your credit limit on this Capital One account No other changes are planned at this time, and all other terms still apply. An official notice of this change, with additional information, will also be provided to you via mail and through the secure inbox with your online account. <P/>We value you as a customer, and we hope this change doesnt cause any inconvenience for you. If you have any questions, please give us a call at
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.
Consumer complaint received 2017-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/XXXX, I filed a complaint with the CFPB, # XXXX, Specialized Loan Servicing, holder of my second mortgage. In the meantime, I finally found out what was happening. Below is the statement I wrote yesterday on their website when I submitted the electronic document for a hardship loan modification, and attached all the necessary supporting documents : As of XX/XX/XXXX the terms of my loan changed from an interest only to principal plus interest payment. I was only notified about this in XX/XX/XXXX, when it was already 3 months late, and by then was over {$2000.00}. The only way I came to know about this change was with a conference call between XXXX and SLS. Until then, I had called numerous times trying to find out why I had such a large bill, which is now {$2500.00} due XX/XX/XXXX, and was unable to get an answer. I was transferred and disconnected so many times that I finally wrote, and still received no answer - just another bill. If I had been notified in XX/XX/XXXX, I could have borrowed the {$500.00} and gotten a refinance. By the time I found out, I was n't eligible for a refinance, because your company was reporting me late twice in a 30-60 day period. ( By the way, thanks for that! ) I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I have contacted the CFPB, and will continue to do so until I can get the modification that I need. <P/>This is really unfortunate, not just for me, but for SLS, who would have received the total amount that I owed, around {$28000.00} in the month of XX/XX/XXXX. I was informed by the company doing the refinance that everything else was perfect ; the only thing that made the loan fall apart was SLS reporting me late. I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I wanted this to be on record with CFPB, and will continue to do so until I can get the modification that I need. Yesterday, I submitted the electronic form to SLS with all the corresponding documents needed in order to modify this loan.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XXXX XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my Visa " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had XXXX credit product, a Visa card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the Visa account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account ( " loan '' ) : I provided that documentation ( "  transaction record '' ) to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, through XXXX XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX XXXX has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX XXXX XXXX XXXX. The account was closed XXXX of XXXX, yet Equifax is reporting that it was closed in XXXX XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CA)

XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XX/XX/XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XX/XX/XXXX 30 day late via XXXX 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XX/XX/XXXX and XX/XX/XXXX ). XXXX, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XX/XX/XXXX ; I had XXXX credit product, a XXXX card ( " loan '' ) displayed on my XXXX credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XX/XX/XXXX, and just recently ( XX/XX/XXXX ), Pentagon Federal Credit Union ( " XXXX XXXX' ) bought XXXX XXXX XXXX ; However, XXXX STILL shows the XXXX account as XXXX XXXX ( XXXX never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 'My accounts ' page included my savings account and I would pay my XXXX by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided that documentation ( " transaction record '' ) to XXXX showing this activity for XX/XX/XXXX AND XX/XX/XXXX, through XX/XX/XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX FCU has supplied XXXX with incomplete, erroneous, and contradictory information, yet XXXX continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XX/XX/XXXX thru XX/XX/XXXX. The account was closed XX/XX/XXXX, yet XXXX is reporting that it was closed in XX/XX/XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC (FL)

Loan was paid off early via wire transfer XX/XX/2024 lender Specialized Loan servicing LLC now known as shell point mtg filed satisfaction of mortgage XX/XX/2024 in XXXX XXXX Florida. Should have filed in XXXX XXXX Florida. I need a corrective action take to resolve title issue this caused. I have also requested they send a letter advising this is being addressed so I can close XX/XX/2024. They are not very helpful in resolving their mistake. I was just made aware of the problem and have spoken to 5 people with shell point mtg over the last XXXX days. I have asked to speak with management and was told they do not have any management.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My credit card account was closed and when I called to speak to capital one to ask why they said it was for too many return payments, I explained to them that the last 5 month my account has been active and up to date sometimes even paying off the balance in full also at the time of the return payments my account was already up to date with monthly payments I was just attempting to make a extra payment I also explained that I made the payment but never made it to my bank to put the cash in because I had to go to work so I just simply cancelled it and attempted the next day. Didnt think my account would be closed for this especially when I have been on time and accurate with all payments prior. So I was told an account cant be reopened and I should apply for a new account, so they run my credit again I got approved for a new card account and then after receiving it in the mail a day later that account was closed they said in association to the other account when I was just following there advice. So now after filing bankruptcy last year and starting to reestablish my credit I now have a closed account with a balance now and a brand new account that was closed right away. I believe I was treated unfair.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX    XXXX    XXXX , which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX . Equifax did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years.  XXXX  has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition,  XXXX  was not even the owner of record who had the right to foreclose but i doubt anyone cares about that
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I close my account with discover bank credit card around  XXXX   XXXX .  2017  and I was told I was I will get my secured deposit back i n 7-10 days and I have n't received it and I called discover and they told me I have to wait 2 billi ng cycles to get my  XXXX  dollars back and I told them that there no need to keep my deposit I paid the rest of the balance in full I do n't have any pending refunds or pending transactions on my account ending  XXXX  and I need this money cause I 'm unemployed
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NH)

The debt reporting company place this collection on my record years ago despite notification that it was not a valid debt. They have now updated it again to look like a current debt. This from 2012 and is the result of an accounting error between XXXX and XXXX when they changed over accounts during the transition from a sale of their business. I have disputed this repeatedly with this company. Is n't there some law that keeps them from reporting a debt like it is new to create a maximum destructive impact on your credit rating? Do n't they have to report the truth?
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017,  {$6700.00} Thank you. Best, XXXX
Consumer complaint received 2017-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX XXXX XXXX I opened a business checking account, CD and business credit card at the BofA branch located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I selected Bank of America because they were advertising a bank credit for new checking accounts and credit cards. It was {$150.00} for new checking and {$100.00} for a credit card after 6 months. <P/>I followed up with Bank of America in XXXX of XXXX because I never received a credit for either promotion. I was required to submit request with both the credit card team, and checking account team. The credit card team honored the promotion, but the checking account team sent denial letter for case number XXXX dated XXXX/XXXX/XXXX. <P/>The denial letter stated the promotional code was not entered when the account was opened. I opened the account at the branch the same time the credit card was opened. If their banker did not enter the promotional code correctly when opening the account I do not see how that releases them from honoring their promotion.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I applied for a credit card with Capital One and received an instant approval with a credit limit of {$2000.00}. When trying to download the ap I noticed the account was restricted and I reached out to capital one. I was told by 3 fraud reps that Capital One made an error with my application and it was approved in error and I would receive a letter in the mail on how to proceed. No one was able to validate what error was made by Capital nor how  it could effect an account being approved. On XX/XX/XXXX I noticed that account was closed and I reached back out. I was told that Capital One accidentally linked a promotion code to my account and that the account was closed to " protect me ''. I advised that the excuse given was NOT acceptable. when applying for credit a customers profile is pulled along with income information to determine their creditworthiness. Capital One told me to reapply but its not a guarantee I will be approved. This is a poor credit practice and it is not fair to me as a consumer to be approved for a product based on my personal information imputed and then told there was an error on CO side and the account was closed. capital One still has not explained to me how a promotion code could affect my approval. As I stated an approval is based on each individual consumers person information and credit report.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Spec Hoffman Auto Sales Inc. (NC)

On XX/XX/2018 I took my XXXX XXXX XXXX daughter to a car lot o look for a car. We told the salesman that we were going to look around. He kept asking for my information and I only gave him my name and stated I was not ready to proceed and did not want my credit ran until I had made a decision. There was a car that my daughter liked and she gave him a check to hold for earnest money deposit. She later went back and picked up the check because we found another car she liked better. This salesman contacted my daughter on XXXX and hounded her as well as somehow found out my employer and contacted them trying to reach me.I do not know how he got this information. He also made a hard inquiry on my credit without my consent. This is still showing up on my credit report after I contacted the company Hoffman Auto Sales in XXXX NC. I explained to him that I did not authorize him to pull my credit and that it was extremely unprofessional of him to contact my XXXX XXXX XXXX daughter on XXXX as well as " dig '' into my personal information to find out my employer, contacting them just to hound me about buying a car from them. I reported this to the manager of the dealership but was never giving any resolution or contacted further.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX  account XXXX. This debt was settled and paid, but has been causing my credit score to be low. <P/>I was not aware of my consumer rights for accounts that were sold to debt collection agencies. <P/>Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. <P/>I would like this to be deleted from XXXX and XXXX <P/>The date this was recorded as paid was XXXX/XXXX/2014.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (VA)

In XX/XX/XXXX I discontinued service with XXXX XXXX. I at that time brought in my boxes and all equipment. I received an email the following month showing that I had no balance and nothing was due for the next billing cycle. In XX/XX/XXXX when I applied for credit I saw a collection on my account that I had no knowledge of. I reached out to the company and they informed me it was from XXXX. I called XXXX and was told they are not handling my account any longer. I sent in a validation letter to Credit Protection XXXX on XX/XX/XXXX with no response and again on XX/XX/XXXX. I then received a notice from them the balance was correct with a screenshot from XXXX. I requested they show how they got to this amount and to validate how the total was calculated as I had a XXXX balance statement. The company has not provided any of this b/c it does n't exist. When I call and push 2 for s dispute the call is disconnected. I have called several times. I want this information removed as it is not correct.