BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
My Kohl 's charge account had been unused for approx a year and I bought a couple of items on XX/XX/2019. Based on email confirmation from Kohls I updated my billing and shipping address for my account on XX/XX/2019. I never received a monthly statement by mail or email. However, I had received emails for updates to my account information, shipping information of my purchases and hundreds of emails of advertisments. On XX/XX/XXXX, my mortgage loan officer pulled my credit report and informed me that Kohls was reporting my account as 30 days past due. As soon as I was informed, I immediatly contacted Kohl 's to resolve the issue. The first person I talked to advised that there had been no paper statements sent but there should have been email statements. I immediately searched my email account including my junk and deleted email and found no monthly statements or notices that my payment had not been received. After speaking with his supervisor, the Kohls representive said he would remove the late fees and submit a request to remove the past status from the reporting to the credit bueras but that would take several weeks to update on my credit report. After several weeks, my credit report had not been updated so I called back and spoke to another representative that said that she saw the request and that it would be updated at the end of the month when the account updated with the credit bureas. A few days later, I received a letter that stated that Kohls had investigated the credit reporting and it was correct. We contacted Kohls customer service again and they told us that the department that handled the credit reporting had made the decision not to remove the 30 day late reporting and that there was no one that we could speak to about the issue. Given that Kohls had my correct email address, mailing address and phone number, I dont understand why no attempt was made to contact me when my payment was not received. How does the account get to 30 days past due and no attempt is made to contact me. Most creditors would at least mailed a letter letting you know that your payment was not received. When it was brought to my attention, I brought the account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: LA
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 no knowlege of the following credit inquiry XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY WENT TO PURCHASE A CAR AND I NOTICED A ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX FOR XXXX XXXX FOR XXXX THIS IS TOTALLY FRAUD I AM REQUESTING A INVESTIGATION BE CONDUCTED AND THESE ITEMS REMOVE FROM MY CREDIT REPORT ASAP!

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 2019-06-13
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: Information belongs to someone else

Complaint:
fraud the account is not mine never to any school

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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Trans Union has been a problem for awhile. They never have the correct information. They never update. Now when every other bureau have my score at a XXXX. These idiots lower it by 47 points to a XXXX. They are messing with peoples lives and they really don't care what they do. Something has to be done about them. They reported my score going from a XXXX to a XXXX which is not right. Someone needs to shut them down!

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 2021-10-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with FAIR COLLECTIONS & OUTSOURCING , INC .

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 2017-11-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
my card and idenity was comprimised i never used this chase freedom account for a while and the card was stolen i called this bank and went to the branch to prove to them this card was stolen this account is reflecting a balance of XXXX.+ that was never used by me it was fraud charges i filed a report with the police and they refused to credit the charges i sent proof i was in XXXX when this fraud occured there violating my rights with the fair credit and billing act the lady said XXXX remarks and thats why she denied by claim i sent my travel papers to her supervisor showing i was out of the country they still denied by claim she wanted me to go the police and get her a copy of the report and i dont have to do none of that thats her job no where does it say under the fbca i have to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-13
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I still dont know why it happened. I got a text from skylight, which i have had for 3 years from my job for direct deposit, because I didn't have a bank, so I just kept the card. Saying i needed to call them. I called they said there was fraudulent activity on my account and they closed it out. Ask me which way I wanted my money that was in the account, my whole life savings, no other way to get money. They just keeped saying fraud department did it. No one could tell me why. They tried to send me my money twice thru XXXX XXXX but because they had the reason for the transfer marked as Freud on my account, XXXX XXXX marked my pick up as freud. Now i have to 10 days for all my money I have no access to any other funds. Plus my paycheck is now going to try to go into the account and hopefully be returned to my job, which even then they have to do the same thing and issue me a check which will take 15 days. They said I wasn't eligible for another account.

The only thing I can think about is a purchase I made on XXXX  that I refused the package. The other party didn't expect returns, but it wasn't a return, i didn't even open the package. Then they were trying to charge me for them to ship it back to me. I disputed with skylight, they gave me my money, the tracking number showed they got the package back. Then they took the money back out of my account without sending my package back. Now I have no item and out {$35.00} with no way to do anything because my account is closed out.

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 2019-05-19
Company: Experian Information Solutions Inc.
State: PA
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:
Reviewed credit report and saw a number a hard inquiry from XXXX XXXX XXXX, SD XXXX. Never applied for a XXXX Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.

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 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Reviewed credit report and saw a number a hard inquiry from XXXX/XXXXXXXX XXXX XXXX, SD XXXX. Never applied for a XXXX   Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.

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 2019-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizens Bank charges poor people at every chance. I opened my account on their app today to see while my account is in the black, they charged me {$30.00} Again. Yet today is Sunday XX/XX/2019 and the most recent {$30.00} charge is dated as tomorrow. They already owe me {$70.00} for forcing me into an overdraft without my permission. Now, in three days, MY Bank has stolen {$100.00} from me. I want MY {$100.00} back at once!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is set for a property foreclosure sale, I have tried to acquire mortgage assistance from my mortgage servicer Select Port Folio. I  don't want to lose my home I submitted a mortgage assistance request with financials XX/XX/2019 
I would appreciate your help with helping me keep my home. My mortgage servicer is very difficult to work with. The foreclosure notice I received for the sale dates of my home was XX/XX/2019 from XXXX XXXX XXXX. I read that Tennessee law says the homeowner is to received notice of sale date 30 business days before foreclosure. 
The attorney and my mortgage company is not complying with Tennessee state law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase 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 2019-06-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2018-10-22
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are retired senior citizens whom do not owe this collection agency or any other collection agency not one dime. We live in southern California and every morning around XXXX our sleep is interrupted by these unwanted telephone calls. My telephone recorded the message on Monday, XX/XX/2018, " Hi, this is Dynamic Recovery Solutions, we are a collection agency, call XXXX, about a debt owed. We are sick and tired of our telephone ringing all day long with unwanted calls. They are the unwanted phone calls that do not leave a message on the voice mail recorded. I called back Dynamic Recovery Solutions on the same above date and told them to stop calling my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loan # XXXX it was Modified on XX/XX/XXXX that time ocwen calculate the Amount monthly as there break Down pricipal, Interst, Insurance, real Estate StateTax and I was paying timly and in the mean time ocwen advised me if i provide Hazards Insurance then premium will reduce and I did that, But from time after 3 month they made little reduced which is i decided that is not helpfull the way ocwen provide me information. 
then XX/XX/XXXX-XX/XX/XXXX ocwen provided me statement with eveything my monthly premium {$2100.00} which is we paying continued. 
in the end of XX/XX/XXXX ocwen send letter that from XX/XX/XXXX Monthly premium will be {$2400.00} I called and asked ocwen why too high raise I need to see reason, on XX/XX/XXXX ocwen send me statment that they missed by reveiw XX/XX/XXXX - XX/XX/XXXX Insurance is not Found on there end. 
I asked how they have done the Modification Grand total. amd from there i was shocked and Doubt that they are not fair. 
again i called and asked ocwen and they ocwen provide me information is not match as previously ocwen given. 
I told them if the issue will not resolved before the XX/XX/XXXX or XX/XX/XXXX I will not making any more payment, and conversation in there recorded. 
this point I dont know how to solve this and i think since year XX/XX/XXXX I paid mortgage still my principale never coming down and going up this issue is effect my family 's Bread and foods. 
I need help, and stop ocwen to taking this kind advantage on me. 
I am not healthy person I am not not Young I am XXXX year old and I am Disable person I could not take anymore streess as they ocwen giving me. 
Today again I called and they ocwen informed me my loan is tranferred to XXXX i dont know what is this. 

Please see the letter ocwen sended to me on Dated XX/XX/XXXX and letter dated, XX/XX/XXXX is not match and phone explanation is Error. 
Thank XXXX and XXXX XXXX XXXX email XXXX Note I haved sended so many requesting to resolve and satisfy my morthahe issue I am Tiered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Good morning, I have submitted a complaint on XX/XX/XXXX and was assigned Resolution Specialist XXXX XXXX and I informed her that I have signed purchase contract on my property. Closing date is XX/XX/XXXX, and now I have information saying the foreclosure is in mediation process and this is an issue with my titling company. They are unable to reach XXXX to receive a mortgage payoff. 
Please advise, 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 non-monetary relief
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with a SUPERVISOR agent from Transunion who told me that I can not dispute any inquiries because a creditor does not have a time limit to respond on a dispute. I requested a dispute on 19 unauthorized inquiries to be removed from my credit report and the agent refused to even open an investigation dispute. They are deliberately not allowing consumers to file any type of disputes online, via the mail, or over the phone and that is violating my rights to fair credit. 

My file number with Transunion is : XXXX My name is : XXXX XXXX The inquiries are listed below : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX National Credit Cards/XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union I did not authorize these inquiries nor do I have any open and active accounts with these companies and I would like for these items to be deleted immediately as it is causing damage to 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 2018-10-22
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 fraudulent accounts reporting on my credit report. I have contacted them letting them know I never have opened accounts with them but they are still reporting on my credit report. 

- XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation