BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: CO
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 has reported that my payment in XX/XX/XXXX was more than 30 days late. I have never been more than 30 days late on any of my payments to XXXX. I have been trying to purchase a home and this late payment on my creidt report is hampering me from getting a decent interest rate. I have called XXXX and the credit reporting agency XXXX uses more than a dozen times. I've had 3 way calls with them and my loan officer numerous times and can not seem to find anyone who knows what is going on. I did talk to 2 different customer service rep 's who told me that the late payment was posted to my account in error. XXXX had made a mistake but the credit reporting agency would not remove the late payment. XXXX would not remove it either. I can't get anywhere with these people. This has been going on for over 2 months! I still haven't purchased a home yet because of XXXX and their credit reporting agency. Last check of my credit report shows that the late payment is now for XX/XX/2017. It no longer shows a late payment for XX/XX/XXXXXXXX : /

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 2021-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This is a systemic issue with Kohls occurring in XXXX XXXX, XXXX XXXX, and once again XX/XX/XXXX. I scheduled payments online and or via the kohls app for days well before the payment was due. Kohls scheduled payment system does not always show payments, so it is not always clear if a payment is truly scheduled and just not showing, or if it didn't truly go through. 
In XXXX and XXXX, when my payment did not go through, I did not receive paper notifications that my payment was missed, until it was already posted negative ( 30 days past-due on my credit report ). The only reason I knew the payment was late was due to credit monitoring services for fraud which alerted me my payment was 30 days past-due. Once I was aware, I paid in full immediately, but Kohls refused to acknowledge there was a problem or investigate the data/accounting/payment issue. I normally set up payments on the weekends, typically Saturday night/Sunday morning, which tends to coincide with when banks/financial institutions have a break in their account/payment maintenance processes. 
Furthermore, when Kohls credit called me, they did not leave a message indicating who they were calling from, and they did not provide their name on caller ID. Due to the prevalence of spam calling in DFW, I do not answer unknown phone numbers and check my voice messages as well as text messages for notifications. Even though I am opted in for text messages, phone calls, voice messages, and emails Kohls did not text me to alert that I was late on my payment, so I could pay before it impacted by credit standing. 

Now I scheduled my Kohls payment within the last 2 days for the end of this month, but it was still not showing in my scheduled payments as of this morning. When I called Kohls, their automated system reported there was a scheduled payment, but it would not give me information. I made it clear I wanted this to be reported as a possible systemic consumer wide issue, as some of my friends have experienced this same issue and I believe it is widespread, but not being researched by Kohls. 
I ended up going directly through the website and scheduling a payment for today which finally did show up. 
I am highly concerned this is a long-term systemic issue with Kohls. 
I am going to be reaching out to law firms on Monday to find someone that will take this on as a contingency, as I believe it has serious potential for a class action lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am a homeowner in XXXX XXXX XXXX Texas. I am XXXX XXXX XXXX, ( " XXXX '' ), an individual and the property owner I have a Home Equity Line of Credit with an institution that lists itself as " BoKF, NA, dba Bank

of Texas ( " BoT '' ).

BoT is wrongfully asserting an interest in insuance proceeds. 

The loan documents convey a right to BoT for what the loan documents designate as " Fire INsurance. '' The Loan Documents were drafted by BoT and BoT insisted on the language controlling the transaction. The documents explicity limit any duty of homeowner ( me! ) to maintain flood insurance if, and only if, the property is in a FEMA designated flood zone. BoT agrees that the property is not located in a FEMA designated flood zone. 

In XXXX the property suffered flood damage. XXXX maintained a FEMA backed Flood Insurance Policy - seperate and apart from a Homeowner 's ( aka, Fire ) policy. On XX/XX/2021 XXXX XXXX XXXX, managing the FEMA flood program executed two checks to XXXX XXXX and BoT. I informed XXXX/FEMA of the presence of a HELOC on the property in an abundance of caution. 

Upon receipt of the checks I telephone BoT for instruction on obtaining their dendorsement so I could begin work on the property. Twice I was instructed to bring the checks, the insurance adjuster 's worksheet and my Driver 's License. Twice I appeared at at a BoT branch and both times, the " bankers '' refused to endorse the checks and instead spoke on the phone to a mysterious person called " XXXX ''. I was told that I needed to provide more documents, but upon my demand that every prerequisite BoT insisted I complete be put in writing, I was told BoT would not do that. 

During a visit to the BoT Branch at XXXX XXXX XXXX XXXX in XXXX Texas, a Ms. XXXX XXXX demanded I endorse the checks ( and refused a BoT endorsement ) and then attempted to have me " deposit '' the checks in a BoT account, with no assurance of repayment or written specifications for BoT to make repaymennt. 

In short, BoT engaged in fraud, bank fraud, attempted theft by larceny and various misrepresentations. On XX/XX/XXXX, Ms. XXXX accepted my written demand/notice ( as required by the loan documents, to allow BoT to cure its default. BoT did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A call from XXXX identified himself as Barclay Bank 's attorney. We have never dealt with that bank. He demanded that I send him {$6600.00} to resolve a credit card debt. This is a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: EQUIFAX, INC.
State: NY
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:
Recently I went on the Equifax web site the company set-up after the data breech that exposed personal information of 143-plus million consumers. The web site was advertised as a tool to determine if your ( meaning consumers ) personal information was breeched. I entered the required information and received the following reply from Equifax -- - '' based on the information entered, your personal information MAY HAVE ( emphasis added ) been compromised. '' I knew that already! I went on their web site to determine with specificity if my personal information was compromised. My question to the CFPB is this ... Does Equifax have an obligation to inform all people by mail ( since the web site is useless ) IF they are one of the millions effected by the breech?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Both companies did not reply to my letter stating that I wanted to see proof that this was my account. XXXX responded with no proof and CMRE Finance did not respond at all but verified debt to XXXX. The attached letter were mailed out certified mail in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I sent an international wire transfer that Chase claims was sent, however the receiving bank has not seen payment. After several attempts for information from Chase, I was left on hold for extended period and later told to send an email to online support in resolving my issues. Where is nearly {$490.00} USD of my money and why don't I have answers about the receipt of funds? This is unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, TransUnion and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure

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 2021-03-30
Company: Experian Information Solutions 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 have previously disputed the late payments reported on my credit report by this company XXXX XXXX with experian and nothing was corrected. 
I took out a small personal loan with XXXX XXXX over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. Upon checking my credit report, I found that XXXX XXXX reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, and was told that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. Report my account as current, and remove the late payments from my payment history. I was affected by covid and used the tools available by the lender to reschedule payments. This is affecting my ability to buy a home for my family.

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 2022-03-01
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:
This is so despairing. What is happening with you ( CFPB ) and the bureau ( EXPERIAN )? FYI, I have submitted this complaint 4 times already & you still claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm sick and tired of this! The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( Original Creditor : 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 2019-02-01
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 am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im writing this due to the non compliance with Transunion, XXXX XXXX, I have sent information regarding supported information with inaccuracies and wrong information that does not pertain to me listed on my report, they have failed to remove the information that was affiliated with information that was challenged in the past I strongly believe they are in complete violation of of The FCRA and are just refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX Hurricane Irma came through Florida. We had a 30ft tall oak tree fall on our house. It was XXXX to have it removed. Insurance wouldn't cover it. We did a 90 Day mortgage forbearance with FBC Mortgage so we could pay to have the tree removed. In XX/XX/XXXX, I called several times and spent hours on hold only to be told someone from the loss mitigation would call me back. It was XX/XX/XXXX before I could get a hold of someone who would actually talk to me. We talked about options for that 3 months of payments and started the Loan Modification process. I received a Letter from FBC stating that they had received my information and it was sent to the underwriters and I would have a decision 30 days from XX/XX/XXXX. It is now XX/XX/XXXX. I call them every week to find out what's going on. All I ever get is it is still with the underwriters and that's all they can tell me. We are way past the 30 day mark, by months. In XX/XX/XXXX they made me resubmit all of my paperwork because the batch I sent over in XX/XX/XXXX had expired. I resumed my normal payments every month, by having to call them because they suspended my online and automated payments. But in the time they have been stalling, they have been reporting me late to the credit bureaus and charging me late fees on the 3 months that is supposed to be modified back into the loan that they were supposed to complete months ago. If they had completed it, there would be no late anything. I am being penalized because they are stalling and I don't know why. I did everything they asked and followed all of their rules. No one will tell me what ; s going on. They are ruining my credit and I don't know if they are going to take away my house. I can't find anyone from FBC to help or give me actual answers. I don't know what to do. I need someone to help me. All I can get from them is that my account is in underwriting where it has been since XX/XX/XXXX and that there is no one there I can be transferred to that can help me. They give me the run around every time and avoid giving me any information. Making payments is hit or miss. Some of the people who answer will take a payment and others tell me to wait until the modification is complete. I just keep calling back until someone takes a payment but I shouldn't have to do that. I shouldn't be treated this way. I have attached the documents I have received. After the letter in XX/XX/XXXX I have received no further paperwork regarding the modification, only many many upset phone calls I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My check account was locked out and froze by Huntington National Bank on XXXX XXXX XXXX  I was locked out with out any notification.. 
Between XXXX XXXX XXXX  and approximately XXXX XXXX XXXX Huntington National Bank Fraud Department allowed obviously forged counterfeit fraudulent checks to be deposited into my account.Even though I was locked out and froze for suspicion of fraud. I dont know the exact number of forged counterfeit checks that were allowed by Huntington National Bank Fraud Department to be deposited into this froze account or how many thousands of dollars were laundered. I do know that I should have north of XXXX to the good at my disposal today. I am mentally XXXX and a vulnerable Adult.Huntington National Bank Fraud Department took my regular scheduled social security direct deposit and put it on hold sometime around midnight XX/XX/2022. The funds in the amount of XXXX were then placed in to said locked firing foreclosed account somewhere around XXXX am on XX/XX/2022 Huntington National Bank Fraud Department took my check and with held it to pay the negative balance and every line item overdraft fees on the account. 
They were so gracious to allow me to have XXXX of my money out of my Rightful more than XXXX of my dollars. They have embezzled my Government only source of income to pay for their incompetence in allowing XXXX of dollars of obvious known counterfeit forged checks to be funded when I had no access, or alert or knowledge that something was happening. Even today XX/XX/2022 Huntington National Bank Fraud Department refuses to even reverse 1 accessed overdraft fee to bc allow me to bc go bc buy something to eat. I bc went from Monday XX/XX/2022 to bc Saturday XX/XX/2022, with out so much as a crumb to eat due to Huntington National Bank Fraud Department not allowing me access to XXXX XXXX of my missing over XXXX cash.And to make matters worse, when I asked a Huntington National Bank Customer Service Specialist if I could somehow apply for a small loan to pay my rent, I was flat out told no.. Have no right as a human being to try to apply for a small loan

Company response to consumer: Closed with explanation