BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I applied to have my loan payments decreased in XXXX of 2016, I was denied by Chase/XXXX and the reason stated was " income '' but no further details were given. 

I called XXXX and they told me I was denied multiple times so Chase must have done their best to make sure all my paperwork was reviewed. 

What I want to know is more details about how my income was denied. I am currently working part time and receive partial unemployment benefits. I have medicaid as receive a modest amount of food assistance. 

I do n't understand why I am not able to know more details about why my application was denied. 

I work diligently to keep financial life afloat and my credit in good standing. I continue to make payments, even if they are late I do it as a sign of good faith that I am doing what I can and not just defaulting on my loans. 

I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: GREAT LAKES
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After reviewing my credit report i noticed accounts from XXXX reporting as collections. I disputed the accounts as fraud contacted the agency and sent over police reports and affidavits of fraud and forgery. The agency sent me information that this " debt '' was from XXXX college, a school i have never attended. The credit bureaus sent XXXX a dispute with a 30day timeframe to respond. GLHEC rather than stop reporting and update these as disputed, sent me a letter stating that the investigation was closed and if i had further documents i could send to them, i then tried calling them to set up a payment even though the accounts are not mine only to find out the investigation isnt closed and they just sent out that letter to avoid the 30day timeline sent to them by the credit bureaus. To this date these accounts are still reporting as collections and GLHEC isnt helping nor following the rules of SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2016-12-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I followed Experian 's online protocol to correct addresses. I received their response and the information was still incorrect. When I again followed protocol to correct, the options provided on the website do not allow for additional options. The only options from a dropdown menu are : Never lived there Belongs to another person with same or similar name Identity theft I just need these XXXX addresses deleted as they are incorrect. The correct address is already correctly listed in my report. These are the XXXX that need to be deleted : Address : XXXX XXXX XXXX XXXX XXXX ( This should read XXXX, but as stated above, it is already correctly included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX Address : XXXX XXXX XXXX XXXX # XXXX ( This address is incomplete, and again, the correct address is already included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX I HAVE NEVER LIVED AT THE BELOW ADDRESS and after using the drop down option of " Never lived there before, '' the following message I received was to contact the creditor who provided this information. I do not know who the creditor is. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : 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 2021-03-16
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX I was notified that i had an open account with XXXX  XXXX XXXX  that had let payments on it. The account was open XX/XX/XXXX. The credit limit on the account was {$400.00} dollars. and it was charged for XXXX dollars. I never opened the account with XXXX  XXXX XXXX. I have reached out to XXXX  XXXX XXXX  multiple times to get the account removed. no luck still

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 2016-06-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have received 2 e-mails from Experian stating they have my results ready. Yet when I go into the " get results '' on their Website..it states I am not able to retrieve this information. I have e-mailed them..and tried several times to get to my final results with Experian but am not able to get it on online even though they have given me the Report # XXXX ID XXXX -- nothing comes up. 

I need my final dispute results please.

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 2016-10-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have recently went through the mortgage process and purchased a home. During this process it was brought to my attention that I had a couple negative items on my report. XXXX being an {$8.00} med bill and XXXX I realized was for an business auto loan that I NEVER signed any loan documents for. I did work for the company and was on the board at the time but when they said I would need to sign for the loan personally instead of as a corporate representative I out right refuse and never signed for this vehicle. I let the company a short time after. I have disputed this with all XXXX credit agencies and believe it have been removed from XXXX, I 'm not sure at this time about XXXX but Experian asked that I contact the lender direct which I did and they said they had no records to show my signature, only an electronic file showing I was a customer of theirs, and they suggested I dispute it and it would be removed. I told them I did and that 's why I was contacting them so they suggested I ask for a reinvestigation. Which I did and so far on XXXX occasions Experian has refused to remove it and just keeps telling me it 's " Updated ''. Here is the deal, show me my XXXX signature because I NEVER signed for it, and if someone forged my signature I want to know. I have a short email chain between me and the lender but obviously no script of my calls. This may seem petty since it is only listed for being 30 days late once but it is the point. I did NOT sign for this loan ... ... so WHO did. The credit reporting agencies should have to report who they spoke to and contact information for them and what documentation that they obtained " validating '' or " confirming '' an account belongs to someone. Not just send a generic letter stating they " updated '' the status and I can add XXXX words as an explanation? Whatever, show me the evidence.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XX/XX/2022 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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely 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 explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-10-14
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously opened up a complaint ( XXXX ) and it has been closed without the issue being resolved. Mr. Cooper provided an untruthful response that they are working on the issue. I am currently on the phone with XXXX XXXX  and they ( rep ) have informed me that Mr. Cooper has not been in contact with them to assist with resolving this issue. Can someone take the time to do some research on this issue? At this point, I am filing a complaint with the OCC and seeing what other course of action can be taken since no one seems to be able to resolve our issue. I thought the purpose of the CFPB was to actually do research not just accept a " canned '' response that a company provides.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

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 2015-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This would also relate to cfpb case numbers : XXXX & XXXX, filed against XXXX. 
On XXXX/XXXX/XXXX, I contacted " XXXXXXXXXXXX '' to notify them that my mortgage account being serviced by XXXX XXXX XXXX, XXXX was paid in full on XXXX/XXXX/XXXX by wire transfer, with such enclosed documentation so that my credit report could be updated and consequently improved. However, XXXX XXXX 's email response on XX/XX/XXXX was that I needed to initiate a dispute, which was effectively immediately done through their very restrictive website prohibiting ways to adequately formulate the nature of the complaint. Today, through EXPERIAN 'S report number XXXX, dated XX/XX/XXXX, it refutes my claim that the mortgage loan which XXXX had been servicing has indeed been paid. In fact my newest credit report dated XX/XX/XXXX, my order number : XXXX, shows the real estate accounts with Experian ; XXXX and XXXX remain at {$170000.00}. And to make matters even worse, the report also indicates that my credit scores with Experian and XXXX have been lowered to XXXX from a high of XXXX most recently, and probably XXXX will soon do the same. 
This is vexing and extremely humiliating since I have gone to extraodinary lenghts to pay off the mortgage loan to XXXX for an overall sum of {$170000.00} on XXXX/XXXX/XXXX, plus additional closing cost of {$16000.00} and an addtional remittance of {$2900.00} for taxes for which an escrow account already existed with XXXX. The closing could not be effectuated if I had not disbursed that sum of money for real estate taxes. In total, in order to safeguard a good credit report, I sold my house for {$180000.00} on XXXX/XXXX/XXXX and which I paid for on XX/XX/XXXX in the amount of {$230000.00}. But the damages to my credit report continues because, Experian will not amend the report to show full payment of the loan and on top of it, the newest report shows payment latenesses on XX/XX/XXXX and XX/XX/XXXX, when XXXX was informed that the loan was due to be paid in full in XX/XX/XXXX and for which it provided a PayOff Quote Valid Through XXXX/XXXX/XXXX for {$170000.00} but which it ultimately increased to {$170000.00}. EXPERIAN is acting in bad faith and does not show any concern for the right of the consumer who attempts, even through incredible financial losses, to maintain an honnest and credible financial status. When the financial mortgage sector had collapsed in XX/XX/XXXX, I could have foreclosed on that loan but decided against it, despite numerous legal advice, in order to preclude such a negative notation in my overall credit bureaus rating. But instead, the response is absolute contempts by the credit bureaus. I demand that these wrongdoings by Experian and the other credit bureaus be immediately corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
American express serve/XXXX  XXXX prepaid cards are the main cards that most people I have talked to are haveing problems recieveing the economic impact payment. Why can't the IRS deposit payment to my card? This is a problem state wide. I followed email instructions from American express serve to check the status of my stimulus payment but each time ends in error. American express bank lenders who ever is responsible needs to fix this problem so people can receive there available govt funds. I did everything right but still no money had posted to my card. I am tired if waiting I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had filed ID theft with all companies in 2015 with a police report. It took till someone was brazen enough to get my bank accounts turned over to them to have proof of theft. 
XXXX XXXX XXXX then knowingly sold the fraudulent debt to CFSI and gave me 30 days to dispute it. 
I went to the website as instructed on the letter and there they where more than happy to talk to me till I provided legal proof of what I was referring to and then they just disappeared and stopped talking. I was using their live chat. if I leave the chat it will show I ended the chat and there would be no proof I was on hold for over an hour. As I am writing this, I am still on hold and no answer from them. Chat timestamp, chat started at XXXX XXXX, XXXX XXXX to XXXX XXXX, no answer. Then the outcome is that they are sending the information to the client for approval. But they are the ones collecting the bill yet they have no control over the bill and act as if they do n't even own the bill. So now I am not even sure if this is a real company, I may have just given all my information over to someone very bad. 
When the chat ended I clicked the save transcript button and it took me to a page that said it was timed out. There was no time out, my internet was working just fine and I do not have a proxy. 
They did not want me to have proof of that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 explanation