BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: IL
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 disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX  has removed the public record from my file but Experian and XXXX keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed this.

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 2021-11-16
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To whom it may concern, I opened a new JetBlue Credit Card with XXXX on XX/XX/XXXX. At the time they had a promotion offering new applicants XXXX XXXX XXXX bonus miles with the payment of their {$99.00} Annual Fee and purchases on the card in the amount of XXXX XXXX dollars within the first XXXX days or so. Both requirements were fulfilled well within the allotted time frame and the bonus miles should have been awarded within six weeks of XX/XX/XXXX ( the date in which all requirements were fulfilled ). As of XX/XX/XXXX the XXXX XXXX XXXX bonus miles have yet to be awarded. 

I attempted to resolve the issue with both XXXX and XXXX on XX/XX/XXXX. At the time, XXXX informed me that XXXX did not transfer over the points and that I was in fact eligible for the bonus mile promotion. When I called XXXX they opened a ticket ( reference ID is : XXXX ) to try to resolve the issue and informed me it could take up to a calendar month to resolve. As of XX/XX/XXXX no resolution has been achieved and no progress ( according to their systems ) has been made since the dispute was opened. As of XX/XX/XXXX XXXX claims that XXXX XXXX in the Rewards Department has been assigned the case but are unable to tell me whether or not the case will be resolved and under what timeframe it will reach resolution. 

I could really use help in obtaining some clarity on the hold-up or at least an update on the issue as it seems for the past month, no progress has been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: Conn's, 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: Account information incorrect

Complaint:
Around XX/XX/2019 give or taake a few days I went to Conns home plus in XXXX XXXX Texas which is identified as Conns store # XXXX I purchase a XXXX OLED Tv and put it on a Conns loan for the amount of {$3100.00} and the next day went back and asked to buy a XXXX vacuum cleaner. They said that would be great and to keep me from having two desperate loans they would do a loan re write ( meaning take the original tv loan and add the vacuum to it ) making it one loan and one bill. I was told at the time the original loan ending in XXXX would be cleared out and the new loan XXXX would have both purchased items on it. I noticed the following month I was getting collection calls in the original loan cause I paid my loan XXXX on time which I have never missed a payment ever. I called them and they said the old loan number I still owed {$100.00} I went to the store and spoke to a manager and he agreed that wasnt correct and the system made a mistake and a ticket would be filed to correct this. Two weeks later still received calls and now collections emails. I emailed Conns customer service, collections and the store of the issues and they all promised me that this would be handled once again and not to worry. 30 days later again the collection calls happened. I explained the story again and again they said it would be taken care of. I called the sotre and asked to speak to another manager and he said he would handled it. This same process has repeated itself for four months straight in which I have over 30 emails with different people telling me it was handled and not to worry. I asked would about my credit report? Would this not be reported as delinquent since its not my loan and Ive made timely payments each month in the correct one. They said dont worry it wouldnt be. 10 days ago once again collections .... I be livid to say the least. She said she would escalate this and again not to worry. I have lost all faith at this point and today I get a credit alert stating I now have a 30 and 60 day late reported from Conns. How is this even legal? My credit is good and important to me and never pay anyone late but now its ruined. I need help with this. I shouldnt be responsible for this companies screw ups. I have no choice but to seek legal advice to file civil charges against this company. This has been the worst experience Ive ever had with a big company. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, 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:
Please see the attached forms. I have been calling all XXXX, Equifax and XXXX and they have not been very helpful. I have inaccurate information on my credit report and I would like for all inquires and derogatory marks to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed.  XXXX ,  XXXX , and American Education Services ( AES ) are all refusing to remove fraudulent information from my credit report after providing verification from   XXXX   that the tradelines were successfully removed from their report.  XXXX  and  XXXX  claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, AES, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid AES and never will. AES is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves AES engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. AES is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several AES employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT   XXXX    according to the original default date. Somehow AES managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also,  XXXX  is reporting that  XXXX  of the   XXXX    tradeline s is closed/paid in full and the remaining   XXXX   are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX ,  XXXX , and AES. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
this is my 2nd complaint as the 1st one made on XX/XX/XXXX was closed after 1 email that stated to call I called then left voicemail and they closed stated it was resolved HOW I didnt get the money they stole from me back all they did was email.. EMAIL. 

YOUR COMPLAINT I applied for unemployment in XX/XX/XXXX and my account was hacked and all my money was stolen after MONTHS of calling and after properly id me linking it to the bank of America and walking into a branch to have the employees talk to XXXX as well to confirm who I was this employee actually told me the address of where my card was shipped to, that was on XXXX XXXX I reported that day that everything prior to XXXX XXXX was a fraud on my account this totals XXXX I had to live throughout the pandemic without any income lack of representatives to answer at XXXX and bank of America. XX/XX/XXXX I went to the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX the staff at this XXXX  store told me I had mail and in order to get it I had to sign up for a box, so I did and the box name was under XXXX XXXX and XXXX XXXX and sure enough, there was my card inside his box. I reported this to edd and to bank of America filed numerous fraud reports and still nothing, I am in major debt because of this and need help refunding me my money. an edd rep told me on XX/XX/XXXX, that the issue was already sent to the bank of America to reissue the funds to me and it would take 7-10 days but nothing has been done.

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 2017-06-02
Company: Experian Information Solutions Inc.
State: KY
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 disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. Experian,  XXXX , and   XXXX   XXXX   XXXX   (  XXXX  ) are all refusing to remove fraudulent information from my credit report after providing verification from  XXXX  that the tradelines were successfully removed from their report.  XXXX  and Experian claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor,  XXXX , is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid   XXXX   and never will.  XXXX  is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department.
<P/>
I have substantial evidence that proves  XXXX  engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies.
<P/>
  XXXX   is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several  XXXX  employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT  XX/XX/XXXX  according to the original default date. Somehow   XXXX    managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from   XXXX   to some distant year.
<P/>
Also,  XXXX  is reporting that one of the  XXXX  tradelines is closed/paid in full and the remaining  XXXX  are current.
<P/>
This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX , Experian, and  XXXX . This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. 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 2021-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
They have failed to respond to my dispute letter that I send out on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I called to have this debt removed from XXXX and XXXX they said they would remove it because i cant pay it off XXXX  deleted it but XXXX and XXXX keeps telling me they will remove it and havent yet dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: First Consumers Financial LLC
State: LA
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:
First Consumer Financial   XXXX   XXXX ,  LLC is reporti ng incorrect information showing the wrong date when the payment should be paid. The payment is due the   XX/XX/XXXX of each  month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cove r the  XXXX 17 payme nt because I mailed the payment and was lost in the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid  one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occas ions in which it was not. I have not missed a payment because the  manager told m e to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for   XXXX   2017 and   XXXX  2017 not  date due which is the    XX/XX/XXXX    of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XX/XX/XXXX  of each month and pai d  XX/XX/XXXX  p ayment on   XXXX 17. The payment was due on   XXXX  17 and 10 days before a payment is due but reported.   XXXX   is   showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't pay on the due date but sending to the Credit Bureau. I am paying more than what is due at tim es. See atta ched

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CITIBANK, N.A.
State: WI
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:
On  XXXX   XXXX ,  XXXX  ; I ordered  XXXX  pairs of  XXXX  boots online total {$470.00}. After I placed the order I felt uncomfortable and call ed Citi Ba nk to stop the purchase. At that time, I was told I could not and I had to wait. Since I had no other options, I decided to see if the boots would show up. I wait ed 8 we eks for the merchandise and did not receive. So early  XXXX   XXXX   XXXX  ) I cont acted Citi Bank and mailed a dispute to them. I did not retain a copy for my records, big mistake on my part! Time went by and I thought everything was taken care. Citi Bank sent me letter saying they never got a response from me. I contacted them and stated I had mailed all information to  them in  XXXX . At that time, they said they would give me another chance ; so I completed another dispute form detailing everyt hing thing I did. This included multiple attempts trying to contact the company, with no response. I was then told but Citi Bank I had to wait 45 days. In the process of going back and forth with Citi Bank I received numerous different answers of what was being done and what to do. Never the same direction. I was even told, it is fraud when merchandise is not received and we can work around the date. Now Citi Bank has closed the case and charged back the amount of {$470.00} due the the date of the original charge and was told there was nothing further I could do. I am beyond frustrate and disappointed in Citi Bank 's customer  service.

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 2017-06-02
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Optimum Outcomes are still reporting on my report credit report even though the bill was dismissed by the original creditor, I have sent in the copies of the dismissal paperwork to the debt collector and also to the credit bureaus, and nothing has changed. I have disputed it with The credit bureaus and they are still retuning it to me reporting it as a verified. How can they say its verified if it has been dismissed. I have sent all of the paperwork and they both have yet to delete it from my file. I have never signed a contract with optimum outcomes nor I have I ever verified that I owe this debt, because I do not. It was dismissed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Claims Bureau, LLC ( pcb ) keeps sending collection letters demanding I pay them a debt I do not owe. I have sent them written dispute letters asking them to cease all communications with me, since I do not owe this debt and and completely disputed the validity of the debt in its entirety. I sent my written correspondence via XXXX and XXXX XXXX XXXX several times, but they ignore my correspondence and just keep demanding payment. See attached correspondence ( XXXX, XXXX demand letters and XXXX dispute letters ). It is now harassment via the mail, and I want them to cease all communications with me, except for any legal process that I am fully ready to defend.

Company response to consumer: Closed with explanation