BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-05-02
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/22 XX/XX/22 XX/XX/22 Ive submitted letter with cerified mail to XXXX, XXXX, Equifax regarding credit inquiries and remove old address. This credit bureaus simply ignored my request. I check my credit report every month still the same and i keep sending the Certified mail letter to 3 credit bureaus and none of them respond nor return that they receive my mail. As Im frustrated and i need to file complaint with this 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
This company furnished my auto, which that auto was totaled and this loan was paid by the insurance company. This company has inflated fees and cost, I have asked the company several times to provide me with original contract, with my signature and consent, and a breakdown of payments and what the insurance company paid them, and they keep responding to my dispute as verified as accurate. Ive asked them to also provide me with how they verified the information, Ive received no response.

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 2022-05-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2022 I sent a letter to the company requesting removal of several accounts reporting to my credit with incorrect information showing. I patiently waited XXXX  days and received no response at all. So I proceeded with another letter requesting this information be updated & corrected or completely deleted from my credit file. Today is XX/XX/XXXX and I have received no response nor have this information been removed. It is illegal practice as credit reporting agencies are required to report 100 % accurate information. These accounts are inaccurate and its very clear of that. The credit reporting agency is not complying with my investigation. Previously I was told that they were unable to locate my credit file. I sent ALL information needed. This was clearly an attempt to stall or completely stop the investigation process. I am now ready to file a lawsuit if I have no results of accounts being UPDATED with the 100 % ACCURATE information, or completely DELETED from the credit file under my social security number.

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 2019-12-22
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in Loss Mitigation with Flagstar bank since XX/XX/XXXX. Since XX/XX/XXXX they have asked for a copy of the HUD 1 to be sent to them. The document has been faxed to them at least a dozen times and each time they say they have not received it. I have uploaded the HUD 1 directly to my account to make sure they have received it including again a few minutes ago. Its the only document that is missing from the file per XXXX a supervisor I spoke with tonight around XXXX. 



She stated that on XX/XX/XXXX they closed the case again for that one document that has been sent over and over and over again. I have a buyer that offered {$350000.00} on the home that I owe {$350000.00} on if he walks because of this incompetence I will have no choice but to do a deed in leiu of foreclosure. 



I have tried to do my best but I am a XXXX XXXX  XXXX ( 25 years of service ) that was in a serious on duty cruiser crash on XX/XX/XXXX, my injuries were so severe that I can never be a XXXX  XXXX again. I am still awaiting approval of my XXXX   pension and the city is fighting me for it. They fired me on XX/XX/XXXX because of a XXXX contract clause while waiting for my pension to be approved which caused this loan to go into default. 



Can you Please Help! Its bad enough I have to fight the XXXX of XXXX XXXX. But I have no energy left to fight this bank! 

XXXX was fined by you in XXXX for XXXX XXXX dollars for the same issues I am having now, apparently they have not learned their lesson. 

I also attempted to send a email to XXXX XXXX who is a supervisor of the loss mitigation department in XXXX Florida at : XXXX. The email went thru on XX/XX/XXXX @ XXXX XXXX, but I still have not received a response back yet XXXX XXXX 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 2019-11-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Thank you for reviewing this : Prev complaint XXXX made XXXX XXXX and closed. Citibank replied by restating the terms of the Promotional Balance program but not admitting to wrong doing or that I had complied with the rules completely. This newest part of the issue is because they failed to process my payments as requested by me and acknowledged by them. Attachments show : Stmt XXXX XXXX shows : XXXX due for Promo Bal due XXXX XXXX / XXXX due for Promo Bal due XXXX XXXX ( side fact, I paid the XXXX on XXXX XXXX and requested it be applied to the Promo Bal Due XXXX XXXX ). Ltr from them XXXX XXXX confirms I requested payments in excess of min bal should apply to Promo Bal due XXXX XXXX Payment XXXX made XXXX XXXX ( after minimum due paid XXXX XXXX ) so the XXXX shd be applied to Promo Bal due XXXX XXXX. The payment made XXXX XXXX was NOT applied to Promo Bal due XXXX XXXX but applied to the Promo Bal due XXXX XXXX. The result of their constantly misapplying my payments is that they charged me {$160.00} for interest on the Promo Bal due XXXX XXXX for not paying it off in the agreed upon manner.

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 monetary relief
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reported this item to the equifax 16 times this time this calendar year. Each time they are citing there has been an investigation, this account was 'verified as belonging to you ( me ), and no removal of a fraud account in the name XXXX ( XXXX ) has been made. I sent copies of my police and arrest reports showing the fraud account number, address, and company information. On my credit report it is listed XXXX. This is a subsidiary to a company called XXXX. The account was opened in XXXX Arkansas. XXXX 's company headquarters is based in Louisiana XXXX XXXX XXXX, XXXX, LA XXXX but the contact number listed as the company 's resolution contact for question post-investigation is a personal landline number that has no affiliation with any business or conglomerate. I 've sent both the victimized debtor and Equifax via USPS mail, Fax, and online upload submissions of the police investigation And arrest reports and both are aware of details of legally upheld claim of identity theft and the arrests made due to these accounts. I have made many failed attempts at resubmission of the same disputes regarding these fraud accounts with the credit company, Equifax, to resolve the quandary and each time being met with stonewalling and returning to the same unfounded results. XXXX and/or XXXX are the same entity. The account number is verbatim the same which is referenced as an identity fraud account in the police report. Equifax has stated this will remain on my credit report because it was ineptly verified by Equifax with the company that was also victimized by the actions of the offending parties of which the account genuinely belongs to. I have provided the credit agency with documented evidence of these fraud accounts with the same account numbers, charge off balance amounts, and business addresses.

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: Investigation took more than 30 days

Complaint:
I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: TX
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 not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) ******

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Creditor Contact Details :  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/17    Negative impact to my credit by  XXXX   XXXX   XXXX .       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 ,  no response recieved.       CREDIT COLLECTION SERVIC  XXXX   XXXX   XXXX   XXXX , MA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/2017    Negative impact to my credit by credit collection services.       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 , n o valid response recieved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BB & T was offering a promotion for new customer ( I am a new customer ) for a {$300.00} bonus if an account was opened using a code and by midnight XX/XX/2019. I opened the account with the code before midnight. On XX/XX/2019 my opening deposit of {$50.00} dollars was credited to new account. The terms said 2 ACH deposits of {$100.00} dollars needed to be completed with 75 days of account opening or another action. I had multiple ACH deposits of {$100.00} within the 75 days. one on XX/XX/XXXX and one XX/XX/XXXX and thus completed all the terms of the bonus. 
1 ) New customer 2 ) Opening a bright checking account by XX/XX/2019 with code 3 ) Two ACH deposits of at least XXXX with $ 75 days. 

After several weeks I began calling BB & T, I got many lines. It takes 3 months, it takes 90 days for account review plus 4 weeks. Then I started emailing them about where was my bonus. First it was 90 days plus 4 weeks, when that passed it was only for people who got it by mail, and I could not remember if I got it by mail, with my high credit score I get lots of offers, then it was you opened it on XX/XX/XXXX and it was too late. I sent the email screen shot of NEW ACCOUNT OPENING, dated XX/XX/XXXX. Banker told me this now needed a corporate review. 

They are lying to me over and over and have no intention of honoring the bonus after I played by their rules.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 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 2022-05-02
Company: Experian Information Solutions Inc.
State: CT
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy. 

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

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 2017-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am being charged by Experian for some premium credit monitoring services which I never signed up for. The company makes it extremely difficult to cancel the service. There is no option to cancel the services and get the refund on their website or their app. Calling customer services requires more than one hours of wait time. The first time I called ( XXXX ) and waited for half an hour  then the call got dropped. I called again on the same date and my calls keep getting dropped. After about 8 attempts and three hours later, including waiting for more than an hour, I finally got a call with a representative. I ca n't simply stop payment on my credit card because it may hurt my credit score. The way they treated their customers is unacceptable. Please look into this behavior on consumers 's behalf. 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 2021-03-04
Company: Experian Information Solutions Inc.
State: NJ
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:
My students loans were paid in full & were never late. XXXX continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My students loans were paid in full & were never late. XXXX continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.

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 2022-08-06
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want to close the account. They require me to go to branch, which is very limited and too far away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/21 I made a transition with XXXX  using my Chase bank app. I thought I was transferring money in the sum of {$600.00} to my other bank account with XXXX XXXX XXXX.I noticed that the transaction did not immediately go through so after further investigating I saw that the money was sent to a XXXX account with the phone # XXXX which was not the XXXX that I thought it was going into. I have contacted Chase and XXXX several times to no avail. Basically Im out the {$600.00} with no way of even filing a police report because no information on the receiving party to be able to do so. 

Please Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing it

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 2022-05-02
Company: Experian Information Solutions Inc.
State: CA
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 & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXXXXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 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