BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Credit Control LLC. XXXX XXXX XXXX XXXX No XXXX and XXXX XXXX XXXX XXXX MI XXXX. 

Credit Control LLC. started calling me daily once the stimulus checks were announced XX/XX/XXXX-XX/XX/XXXX daily and then sent letter stating they would garnish my tax return/stimulus check for the so called amount owed for a debt by XXXX XXXX XXXX without presenting any proof or information other than amount due {$1300.00} with no credit information or address. I have sent them my response but PO Boxes do not accept Certified mail.

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 2016-06-21
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX My husband and I separated. I kept the house with the XXXX kids and was working part time ( could n't afford house payments at that time ) but got a full time position with the same company fairly quickly. I asked for a loan modification back in XX/XX/XXXX. After a year, could not come to an agreement. XXXX then sold the loan to Statebridge. In XXXX XXXX, I went to a housing counselor to help with a loan modification. Statebridge kept losing my paperwork over and over again. Every 6 months I had been submitting paperwork, only for it to be lost. Fast forward to XXXX XXXX, XXXX. We had finally come to an agreement of a loan modification via phone conference in the Court of Common Pleas Of XXXX County Pa between Myself, XXXX ( My counselor ), mediator, investor and a member of XXXX XXXX XXXX XXXX XXXX ( for investor ) and I accepted those terms on XXXX XXXX XXXX with an acceptance letter that was faxed to Statebridge, XXXX and XXXX & XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX we had modification meetings and was told at each meeting that the loan modification was still being drawn up, no issues presented at any of these meetings, I was told congratulations. On XXXX XXXX XXXX, I received the loan modification in the mail and the monthly payments was a different amount of what we agreed on. The agreed amount was {$1400.00} per month, it jumped to {$1600.00}. I had emailed Statebridge and asked them why it had gone up and that I could n't afford those payments. The response from Statebridge " Unfortunately the terms sent was what the investor on your loan approved. '' They wanted the payment made on XXXX XXXX XXXX, but I had to talk to my housing counselor about why the loan payment was different than what was agreed on and according to their lawyer on our XXXX XXXX meeting, they did n't want to accept any offers that I extended. They were done and told that there is nothing that I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In Regards to XX/XX/2021 Response to Complaint # XXXX XXXX XXXX from Executive Office of Customer Advocacy is a fabricator. Recognize that he dodged the parts I mentioned about how all phone calls are monitored and recorded. He did not address that and would not provide the CFPB or me with all the phone calls that took place starting the Tuesday before XXXX up until a month ago. That is because it would work against everything XXXX XXXX stated. Not sure where he's getting the initial amounts of {$1600.00} and {$2300.00}. There were two ACH payment requests put into the system on XX/XX/XXXX and XXXX -- one for {$680.00} and the other for {$610.00}. The agent on the XXXX requested the second amount in addition to the first because the agent from the XXXX requested the wrong amount. And instead of having two ACH payment requests, she cancelled out the first and just put in one request for {$1300.00}. The two amounts of over {$300.00} that I later received in the form of checks had nothing to do with that amount. They were for other credits that had been applied to my account after the fact. His response to your agency will be used in my supporting documentation in my lawsuit against them. The judge will order them to present all the phone calls, which will prove and confirm XXXX XXXX is a liar ... 

Again -- No need for Company to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
most of the personal information on my report does not belong to me, addreses..n listed are totally unfamiliar to me my credit report is full of innacuracies to many to list here, please investigated all the addresses listed in my report as the greatt t mayoroty the not belong to me and is afecting my score, thank you for any you can provide. 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 2016-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This is happening with alarming frequency with XXXX of the credit report bureaus : they simply refuse to show my credit report online when it 's time for my free check-in ( I keep them on a rotating schedule in my calendar, so I know when it 's been a year since each report ). THis time is Experian ( XXXX is the other frequent refuser ) Instead, they suggest I fill in a very long form, attach many documents and send in a snail mailed request. I am sure this would not happen if I was willing to pay for my report.

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 2017-01-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have disputed these issues so many times and still no outcome, first I am a man, my last name does n't change Experian has XXXX names on my credit file that are NOT mine which are XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX XXXX, there are so many business inquires listed on my personal credit file. When I apply I use my XXXX so they should not be listed on my personal credit file. Experian has never once investigated my complaint. Please help

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 2015-07-12
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXreditor : XXXX XXXX XXXX, XXXX. 
Convergent Account : XXXXOriginal Creditor : Household Orchard BankDear CFPB : The credit card I once had with XXXX XXXX was closed after 10 years. The account was in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
KEEPS CALLING MY WORK, CELL AND FAMILY MEMBERS AND SKIP TRACING AND ILLEGAL BACKGROUND CHECKS. THEY HAVE VIOLATED TCPA, FCRA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I noticed XXXX erroneous accounts on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( Experian ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to Experian in which I dispute the account on XXXX XXXX. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to Experian regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letter was sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as they are unverified accounts they must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2 of the U.S. Code, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct Experian to remove these XXXX unverified and erroneous accounts from my credit history.

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 2015-09-11
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Additional documents attached to support complaints XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Disparity in credit scores still continues. Key factors that adversely affected my credit scores. Serious delinquency, number of accounts with delinquencies, time on delinquency is too recent or unknown. A review of credits reports does not support these adverse comments. There no delinquencies. If there are no delinquencies time on delinquencies are null and void. Several accounts continue to be reported as and adverse accounts or accounts that may be negative. Information creditors are reporting to bureaus does not support adverse/accounts that may be considered negative. Several accounts have inserting bankruptcy comments, which I believe is the reason for reporting as adverse. Public record was a chapter XXXX bankruptcy which was dismissed in 2009. There were never any liens /liabilities against this file. These accounts were never included in bankruptcy. Information received from a creditor reveal that they throw out the high credit score and the low credit score, using the middle score. Based on their processing, I missed the cut off by XXXX points. Why do credits continue to use credit bureaus information as gospel?. Believe the creditor should communicate with customer before making any decision on an application. Creditor questioned why is there such disparity in my scores. scores. This question has been asked with responses from the credit bureaus. Why do the credit bureaus have such power to dictate who is credit worth or not. In response to my disputes, the end results are that information is accurate and will no longer investigate. Their re investigative results are verbatim Like they copied and pasted their results from previous investigative results. XXXX account show that records were updated based my dispute submitted over one year ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Took a trip to XXXX XXXX XXXX in XXXX 2015. Was invited to a timeshare presentation by reps for " XXXX XXXX XXXX '' working in the airport arrival area. Attended their presentation, eventually they convinced us to sell our old underused campground membership to them ( at a profit to us ) in exchange for a timeshare condo product, discounted via various incentives, presently being built in downtown XXXX. They took a down payment of {$10000.00} on our Chase XXXX Visa for purchase of their timeshare. 
Incidentally, because this was a very good deal for us ( sale of our old campground membership covering cost of new timeshare ), we actually called Chase before committing to ensure that if things fell through we could be protected ... and we were assured they would cover us. 
Long story short, " XXXX XXXX XXXX '' never provided funds via correct/save/valid escrow process to purchase our old campground membership, we never got any timeshare product from them at all, and they still have our {$10000.00}. The down payment was never returned *despite* a signed contract addendum saying monies were to be returned to original parties if transaction fell thru. 
We later found out it was all a money-laundering scam ( via XXXX ), many other parties have been defrauded in exactly the same way, by the same guys. ( Documentation is attached ). Disputed transaction with Chase, they disagree that it was fraudulent and/or not valid. However we never got a timeshare, we never sold our campground membership to them, no money was returned to us, we are out {$10000.00} and we have nothing. This was a scam. 
After we made a dispute/fraud claim with Chase Visa, Chase denied the claim. ( XXXX XXXX club simply provided " evidence '' showing a receipt of the transaction ). 
So we attached more documentation and re-submitted. Chase eventually replied with a letter stating they simply " disagreed '' that our claim was valid. Despite the transaction being a definite scam, we were " jacked out '' of {$10000.00} for NOTHING. 
Not sure how Chase can rationalize that we received a " valid product or service '' for our money. 
Chase should honor their card fraud protection guarantee with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Chase XXXX XXXX credit card and was turned down because of having XXXX new credit accounts open within the last 24 months. However, I have a credit score of over XXXX, make $ XXXX and many of the cards counting against me have {$0.00} balances and are from small retail stores ( like XXXX XXXX , XXXX XXXX , etc. ). There was no reason to be denied and applying for the card resulted in a credit pull which had a negative effect on my credit. Chase did not clearly advertise that having XXXX credit lines would result in a denial which I find is misleading and fraudulent. Two of the cards they are counting against me have been closed ( XXXX XXXX XXXX XXXX XXXX ) one of the other " cards '' is my ATM card!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
After having my XXXX credit card number stolen ( attempt to charge online fraudulently on XX/XX/XXXX ), I closed my account and received a new card number. On XX/XX/2016, I pulled my credit report and saw an incorrect ( fraudulent ) address listed and a XXXX credit inquiry filed on XX/XX/2016. I disputed the fraudulent address with Experian, placed a fraud alert on my credit file, and contacted XXXX that an account in my name but new address was fraudulent which they then denied. The incorrect/fraudulent address ( XXXX, XXXX OHIO XXXX ) is a homeless shelter called " The XXXX ''. I want to file a police report re : this fraud. I am now concerned about how much of my personal information has been compromised and am concerned about the extent of my identify theft and safety of my credit file.

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 2022-10-01
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Bread Financial Holdings, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a XXXX XXXXXXXX working in the XXXX XXXX. A few fraud accounts appeared against me during a recent required security clearance check. After I contacted XXXX XXXX management to let then know I never had opened an account with then or Comenty bank, they hung up on me. Then they began calling my father over and over and demanded he pay the bill! I have called them over and over from here in XXXX and they hang up on me every time and say they can't talk to somebody outside of the XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX assisting a client with a modification. There are XXXX issues that are complicating the modification process stemming from new company/servicer procedures at Chase. First : The rep I have been dealing with has been very courteous and informative ; however, due to the " new company policy '' the direct phone extensions have been XXXX and other reps who answer my call are no longer allowed to transfer me to the case rep. which is making things very difficult as I have to explain the situation to multiple people ; many who are not as trained as well. This is a new procedure that has just taken effect over the last 2 weeks. Second : Although we have used the XXXX Loan Portal in the past when dealing with Chase, none of the reps in the modification department seem to know how to access those documents and I have had to resort back to faxing them in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Late fee

Complaint:
I paid my bill late on the due date late in the day & send a email. Asking chase not to charge a late fee. their did & well not remove. My name is XXXX XXXX my email address is XXXXXXXXXXXX. the transaction # XXXX on XXXX/XXXX/2016 It is a XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The bank that issued my credit card is showing on my Credit Report that I have a current balance on a credit card, yet they have no documentation on this account. The account has been closed, but they are reporting there is still a balance of {$7800.00} on this card. It is endangering my ability to refinance my home, as my credit lock is set to expire soon.

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 2015-11-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Despite my repeated requests for them to do so, EXPERIAN refuses to delete outdated, inaccurate accounts containing numerous errors and issues of ownership stemming from an acrimonious divorce dispute with my former spouse. Specifically, they continue to list judgments from XXXX XXXX from XXXX XXXX BANK and XXXX ; a repossession/late payment account with XXXX ; XXXX " charged off '' credit cards with XXXX ; a collection account with XXXX XXXX XXXX ; and lastly a collection account with XXXX XXXX. In addition, they also refuse to delete an outdated account with XXXX which contains numerous errors as well as an inquiry XXXX XXXX made on XXXX/XXXX/2014 without my authorization or knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief