BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: OR
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:
Four and a half years ago in the summer of 2017 I applied for a master 's in finance program at XXXX XXXX  XXXX & XXXX. I was told I couldn't start the program because I hadn't finished some prerequisites. A week before school started I was informed that I was actually going to be allowed into the program. I signed up for classes and signed up for financial aid where I was then informed I could not receive financial aid because I had not finished those prereqs and I wasn't fully accepted into the program. I then dropped out of the program that week because I had no way to pay for it. They charged me a 20 % fee even though I never attended a class and I dropped the classes one week after being admitted into the program and immediately after finding out I wouldn't receive financial aid, thereby I would have no way to pay for school. 

Eventually this ended up on my credit report where I was then able to dispute it and it was removed due to these circumstances. They have since sold that debt to another company and again 3 years later it shows up on my report. I've tried disputing it again saying what happened and saying it's already been removed, but I can not get it removed again for some reason. This is unfair being on my credit which otherwise is very good. And is very disheartening because I've tried very hard to keep my credit strong. Please help me remove this from my credit reports. Thank you.

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 2019-10-10
Company: JPMORGAN CHASE & CO.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
had a flights taken with XXXX XXXX in XXXX price paid extra included carry on up to XXXX kg for each passenger ( have been paid for that extra ) XXXX XXXX was forcing me to pay for them as check in luggage they has been less of the size of carry on standard and was less then XXXX kg each they was also claiming them that the overhead bin is full and they needs to check in the luggage ( which is ok ) but they has told me you either pay or you not going to be on the flight in very insulting way! 
I have been ask from chase several times to open investigation but no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: RFNA, LP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX and XXXX XXXX have a loan at Republic Finance XXXX XXXX XXXX XXXX, in XXXX, Mississippi. Phone # XXXX. We have our payment sat up on AUTOMATIC payment to come out the XXXX Wednesday of every month. We take the Money from my XXXX check and put it there for Republic Finance to take out. It has always been this way for 3 years. On XX/XX/2020 Republic took the payment out early which there was not any money there to be taking out. This was on a Monday. Monday morning I looked at our bank account and notice the loan payment had been taking out. Was not due for 3 days. I called Republic office to ask them why they took the payment out. I talked to XXXX XXXX about it. She said she didnt know it happen and would call me back. She called back and said she put it in Friday to be taking out. We got charged a overdraft for it. XXXX and I ( XXXX ) went down to see her about it and told them to pay the overdraft. They gave us a check for {$37.00} to pay overdraft. We told XXXX XXXX that we was not going to take it off automatic payment and it better not ever happen again. 
On XX/XX/2020 XXXX looked at our bank account and again Republic had taking another payment out of our account and it was not the day to be taking out. She called XXXX XXXX again about why they did it again. Same excuse as before, she put it in to take out. XXXX told her to take it off automatic payment and have the paper ready to sign that afternoon for her to sign and she would be there after she got out of school. XXXX couldnt get anything but excuses but no real answer from XXXX to why it happen. XXXX called the Corporate Office and talked to a lady name XXXX at # XXXX XXXX. XXXX told her she would have XXXX XXXX ( Regional Manager ) call her back. XXXX talked to him about the payment problem and what had happen on XXXX XX/XX/2020. Nothing but excuses from him also. As she talked to him about it, she said something about it happening before in XXXX. He didnt even know about it. After talking to him, come to find out it was sweep under the rug so it looked like no one would know. XXXX told him she was going to the office that afternoon to sign a paper to get the automatic payment taking off and to get another check for a second overdraft. XXXX went to office to see XXXX XXXX and the girl up front said she went to lunch. Who goes to lunch at XXXX knowing she told her she would be there that time. They tried calling her and she wouldnt answer her phone. She has not contacted us yet. Nothing. We did take it off automatic payment anyway. But we still have not heard from her or anyone about this problem. We hope we can get help and something is done with CFPB Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Upgrade, 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: Account status incorrect

Complaint:
I had a balance due to Upgrade , Inc. when I filed for personal bankrupcty protection on XX/XX/XXXX ( XXXX XXXX ). My debt to Upgrade Inc. was discharged when my bankruptcy was discharged, and my other creditors began correctly reporting the status of my accounts to all 3 major credit bureaus. Upgrade was so slow to change the reporting, that I had to dispute the debt with the credit bureaus and Upgrade , Inc, to have it changed to the appropriate status of discharged in bankruptcy and {$0.00} balance. Throughout XXXX, however, Upgrade Inc has changed the reporting of my closed account several times with the different credit bureaus without provocation or reason. I disputed the changed reporting ( status, amount, etc, were even reported differently at different times by Upgrade , Inc ). In XXXX and XXXX, XXXX, they began reporting to 2 of the 3 credit bureaus a total amount that is far more than I ever owed, and showing part of it charged off and part of it still owed and very late. They also added derogatory history back to XXXX, as well. I have attempted to contact Upgrade Inc, but there is no one I can talk to that handles credit bureau reporting at that company, and when I dispute with the credit bureaus, the company seems to retaliate by adding additional derogatory info. I need help getting Upgrade Inc to correctly report by discharged debt to all 3 credit bureaus before it hurts me financially and in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: GA
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:
In contempt of my previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct the account in my credit file. This is the inaccurate account : XXXX XXXX Balance : {$660.00}.

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 2022-08-29
Company: EQUIFAX, INC.
State: NM
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 a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RE : Loan Number XXXX Shellpoint Mortgage Services Phone : XXXX XXXX Fax : XXXX Agent that service that case XXXX XXXX XXXX ( XXXX ) XXXX Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX I requested at end of the XX/XX/2020 to send me payoff letter and mortgage assignment letter so I can refinance my home I need mortgage assignment letter to arrange for my existing lender to assign, or transfer, the mortgage to the new lender.so I  dont have to pay the states mortgage recording tax all over again. 

I have received a payoff letter but i have never received mortgage assignment letter My attorney sent to Shellpoint Mortgage Servicing mortgage assignment request I filled and signed it. My attorney submitted that form to the Shellpoint Mortgage Services beginning of the XXXX and it seems went in vain. Multiple calls and requests to confirm mortgage assignment and letter from Shellpoint Mortgage Servicing stating it are disregarded. Promises to call back and resolve that issue also not delivered. I feel hopeless. 

Taking into consideration now days situation and my financial status I'm asking you help me in this situation. 
Thank you so much for your consideration and attention to that matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can't login to my Experian Online Account. Experian customer support requested to send all my identification documents. I sent it through mail on XX/XX/2023 and according to USPS tracking number they received my letter with the documents on XX/XX/2023 ( see attached ). 

As the issue has not been resolved, I called to Experian again on XX/XX/2023 and was shocked when they lied to me saying they did not receive the documents.

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 2021-12-15
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not consent to authorize nor benefit from these account ( s )

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 2021-12-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged in double for XXXX XXXX XXXX insurance for my phone. I didn't realize that it was going on for a year. When I did realize the issue I contacted XXXX XXXX and was told I would be receiving a refund of {$220.00} XX/XX/XXXX. I never received the refund that was sent by check. I have contacted XXXX for months regarding not receiving my refund and have gotten the run-around. I have attached the statement that shows that they intended on refunding me the amount. And below are the multiple phone attempts I made to try to receive a refund. 

Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Spoke to TD Retail XXXX I was told to call XXXX XXXX XXXX that handles XXXX XXXX and they said they sent out a refund check XX/XX/XXXX for {$220.00} but I never received it. XXXX said it looked like the check was cashed. I told XXXX I went through my bank account to verify that I hadn't cashed it and forgot. I asked XXXX if she could request a copy of the cleared check to verify who signed it and cashed it. XXXX said she would contact the back office and look into what happened and get back to me. 

XX/XX/XXXX Called back for status update spoke XXXX according to her she was getting this escalated, she didn't see any notes from my previous conversation with XXXX, and get a refund in XXXX business days XXXX # XXXX XX/XX/XXXX Spoke to XXXX regarding XXXX # XXXX and she said the back office is looking into my refund they sent out for an update on XX/XX/XXXX and did not receive a response so they are emailing again. I was told to call back Friday with new ticket # XXXX to check on the update. 

XX/XX/XXXX Called XXXX XXXX XXXX XXXX Spoke to XXXX who was reaching out to the back office to see if there was any update. She said the back office spoke directly with TD Retail card services and they said the check was cashed. I told XXXX that I had previously requested a copy of the cleared check to be sent to me. I went through all my deposits in my bank account and saw nothing for this amount. She said I should contact TD Retail card services directly XXXX. I mentioned that I received a letter on XX/XX/XXXX from TD Retail stating that they were notified that some electronic correspondence was unable to deliver because the email address on file was incorrect, invalid, or correspondence was flagged as spam. I have NEVER reached out to TD Retail stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-07-15
Company: Experian Information Solutions Inc.
State: AR
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:
Today, I am sending my second request to three Credit Bureaus about the information they reported in my credit file that are seems to be an error or a fraud. In regards with this, I am asking for your help to remove those items which are fraud and these items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was shocked when I pulled my credit report and saw fraudulently credit card accounts where open in my name. 
It also has incorrect personal information on it, such as my multiple names, addresses, birth year, and phone number and social security number. 
I have called, mailed, and disputed online and XXXX, XXXX, and Equifax still have not remove the fraudulent items from my credit report. 
I never opened XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not have any knowledge of any of these accounts on my credit report. I never authorized any of these credit cards to be open! 
At the time some of these accounts where open I was only XXXX XXXX XXXX. I have called, mailed, and disputed online and they still have not remove the accounts. 
I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX 2021 Past-due bills from original creditor received. Never an original bill received. Calls to the number provided resulted in unreasonable long waiting times and I was never able to reach a human operator to discuss the nature of the bill. 
XX/XX/2021 Company Credit Collection Services ( CCS ) contacted me about a debt they are trying to collect. No supporting information was send with this collection notice ( CCSXXXXf ) XX/XX/2021 I responded to this request in written form asking for more information. I'm specifically interested into the original bill of the original creditor. Due to me only having one interaction with this company, it would be easy to determine if the requested amount is valid ( which I think it's not ). 
In this communication it is stated that the debt is disputed. ( XXXX XXXX ) XX/XX/2021 CCS responded but failed to provide the original bill, instead they send a past due notice of the original creditor. ( CCSXXXX ) XX/XX/2021 I responded asking specifically about the original bill and all associated transactions of my account with original creditor. 
XX/XX/2021 CSS reported this disputed debt to the credit bureaus. 
My complain is that CCS should not report a disputed debt and that CCS could not provide even the minimum asked for of information to support their claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation