BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I contacted Bloomingdales credit about charges on my account that were not by me ( fraudulent ). They responded on XXXX/XXXX/2015 with a letter asking me to fill out a fraud claim form. I did and have been given the run around ever since. The matter has still not been resolved and I have called every 2-3weeks. They have said they are still investigating, they said my claim fell through the cracks and they are working on it now, they have said I will take another 1-2 billing cycles to resolve it. Every time I call, it 's the same story. 
I contacted XXXX and they had me fill out a police report for Identity Theft and they would help me. However, Bloomingdale 's is giving them the same run around as they give me. 
In the meantime, I have bill collectors calling me and sending me threatening letters. I call every time and explain the situation and they promise the calls will stop, but they do n't. Most importantly, my credit score has dropped from XXXX to XXXX!! I am at my wits end and do n't know what to do next. Please help- however you can.

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 2020-08-11
Company: Experian Information Solutions 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 are not my accounts. Please remove them.

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 2016-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested that Equifax remove inaccurate information from my report since XXXX 2016. Not only are they reporting false information that I have requested verification of debt on they have failed to provide to me. They just keep sending me letters saying that they verified the debt but no proof. They also have the same accounts on my report XXXX which is negatively affecting my score and causing me great XXXX. I contacted the federal trade commission they advised me to write them and give them a chance to correct it and they have failed to do so I will attach the XXXX accounts and proof that I sent everything certified mail. I have asked them to provide me contracts and signatures saying that I had an account with XXXX XXXX and XXXX XXXX XXXX. Why are these on my credit report XXXX for the same amount and they fail to fix it. I have spoke with a lawyer my first step is you and my next step is to sue. This is causing me great XXXX. Please help me with this situation attached is the proof. Please take a close look at how these items are on my report XXXX for the same amount for the same company. I do n't know what else to do I have contacted them numerous times. They can not verify that I had an account with XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX XXXX I discovered there was more fraud account appearing on my file from Identity thief.I contacted all three credit bureau and discussed the matter sent a police report and aff admit to all XXXX bureaus and creditors.The bureau failed to remove the fraud accounts in a timely fashion.I had letters from the creditors who have 90 days to investigate fraud.. the accounts such as XXXX XXXX and XXXX was removed XX/XX/XXXX.After disputing XX/XX/XXXX.After going threw my report again.I notice XXXX accounts was showing on Equifax file.So I contacted the fraud department who I normal discuss my file with.The employee namely XXXX was nice and decided I need to speak to an higher office. ( office of Consumer affair ) employee namely XXXX after trying to get Him understand my creditors do report the accounts.i via XXXX Him a letter next day mail.my reports from XXXX and XXXX. And the accounts reporting and I need them to report on here cause my creditors are reporting my account.I verfied.XX/XX/XXXX All the fraud accounts was reinserted back on my file.Over XXXX accounts day by day.So I ended up calling the fraud dept.Spoke with XXXX again. He said wow What happen.He said I can see where these account were previous disputed and removed due to fraud.He transferred me again to XXXX. He never gave any indication why this happen and how to resolve this.He put each account back in a separate dispute.I called in to complaint and asked for His supervisor namely XXXX.She said fax over the documents.I fax them over.Yet it account remains in a long drawn out Dispute.i have XXXX until I 'm off work with a XXXX.after continuing to contact higher supervisor.XXXX told me he was high as it go.after continuing to contact Him .He stated XXXX was his highest supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
COMPLAINT : XXXX : EQUIFAX : XXXX : VS XXXX XXXX XXXX XXXX. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND 40 MILLION IN CAL 12 MILLION IN XXXX XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX XXXX XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX XXXX XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE 12 MILLION PEOPLE IN XXXX XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: AMERICAN EXPRESS COMPANY
State: VA
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 a loan with XXXX XXXX XXXX, AMEX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX  XXXX, AMEX, and XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I notified ERC twice about an alleged debt owed to original creditor " XXXX XXXX XXXX '' for the amount of XXXX. 

I sent them a letter by regular first class mail back in XXXX of XXXX asking for verification and reporting dispute. They did not respond. I sent a second letter by Certified Mail Return Receipt Requested in XXXX of XXXX requesting a settlement in which I agree with pay a partial amount and they agree to remove the account. They did not respond. 

They have failed to respond either time and have since changed the " Date of Last Activity '' on the account on my credit reports to a more recent date -- harming my credit score. 

I have contacted XXXX XXXX XXXX directly and no one can validate that any debt belongs to me under my social security number or name. 

The company has now violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by 1 ) Never sending me an original DUNNING letter that such a debt existed 2 ) Not responding to official requests for validation of said debt nor reporting the debt as disputed 3 )  Updating or " re-aging '' the account on my credit report to make it look current and harming my credit score. 

I am in the process of trying to get a mortgage and this score damage has caused me to not be eligible for the best rate. This constitutes actual harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY EXPERIAN FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. Experian gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. XXXX AND XXXX also as well have been continously sending me emails and furnishing things on my reports listed under " experian works '' " XXXX XXXX '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''

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 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ) and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) and BK OF AMER with no successful resolution. There was definitely an error on their part.

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 2016-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We currently have a mortgage with Chase and are buying a new home so thought we would go through Chase as well for the new loan. We uploaded all documents as requested within 24 hours and for the past 3 weeks we were told no issues and should be able to close the week of XXXX XXXX. We just learned that the only item lacking is an appraisal and they use the term that no appraisers are picking up the order. They said the appraisal order has been out for 2+ weeks and recently escalated XXXX XXXX and again this week. The issue is no one and Chase can explain why that is being held up. 

We are in downtown XXXX XXXX, TX and have randomly called 5 appraisers, 3 of which said they work with Chase and certainly could get out in the next day or 2. So clearly there is a disconnect. 

We are at risk of the builder voiding our contract since we likely ca n't meet the contracted closing date now and at this point we do n't know what we can do as a consumer. The mortgage bankers, processors, etc are all saying nothing can be done and now have stopped returning calls. At this point we do n't know what to do. I understand banks ca n't call appraisers directly but why would this appraisal not be picked up for 2+ weeks? Is that really the hold up? 

We have to be out of our current house next week and with it unlikely that we will be able to close next week we do n't know what we can do. If there is some regulation or process then they should be able to articulate that or at least better set closing time expectations as opposed to waiting until the XXXX hour before delivering the issue. 

At this point I have never felt more frustrated or helpless and with the red tape and lack of concern on the part of Chase I feel like this is simply not right. I 'm not sure what we are supposed to do with our pets, belongings, etc while in the interim and that assumes we can talk our builder into extending the contract. If not we have to start over. Simply not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: MarkOne Holdings, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
During 2013, I was leasing to own a vehicle with Mark One Financial and one time I was late between 30-59 days. I was paying on-time and up to that point and every single month afterwards I was never late. I asked while I was still under contract with them if I could have the late removed they said no. I asked again with a goodwill letter if it could be removed and again was told that the decision to be made was it would stay. It has been my only late with a vehicle and the only one listed on my credit report. If you could please assist me in getting this XXXX late removed on my credit report it would help me. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX / XXXX XXXX PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 3 inquiry 's that were unauthorized, inaccurate, or made in error along with violating the Electronic Communications Privacy Act of XXXX. 
The following inquiries are impermissible : 1. AD ASTRA RECOVERY SERV on XX/XX/XXXX for the amount of {$820.00} 2. XXXX XXXX XXXX XXXX and XX/XX/XXXX for the amount of {$1400.00} Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit 4. The right they have to record me without my consent Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 are not my accounts. Please remove them.

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 2015-06-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I own a condominium in XXXX, XXXX XXXX. I had a mortgage with J P Morgan Chase that was paid off in XXXX of 2013. I just found out recently that Chase never submitted the satisfaction of mortgage with the County Register as required by NY State Law Chapter 50, Article 8, Section 275. I contacted Chase and the bank admitted the error and is now in the process of submitting the satisfaction to the County Register, approximately 2 years after it was paid off. According to the NY State law, Chase is obligated to pay me {$1500.00} as a penalty for late filing. I asked Chase to pay me the money, but the bank refused. The person I spoke to is XXXX XXXX ( XXXX, extension XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
For the past few months, I have attempted to get a credit card through XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.

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 2021-09-25
Company: Experian Information Solutions Inc.
State: MA
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:
On Friday XX/XX/XXXX. I called Experian to file a Dispute with XXXX. XXXX Charged off an account in my name even though I had a payment agreement with them due to covid. when filing a dispute with Experian they ask for the reason and 1 of the options is " Due To Covid ''. so I explained to the representative at Experian that my problem was due to Covid 19 Pandemic. 
On XX/XX/XXXX I received a update on my dispute from Experian and they said that the information was accurate. why would Experian offer covid 19 as an option for a dispute even though I was truly affected by Covid 19? 
The XXXX Account was charged off for {$760.00} eventhough I had a payment agreement with them. Just seems like these companies are working together to hold me back

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 2022-05-18
Company: Experian Information Solutions Inc.
State: PA
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  and Account # 's XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S. Code 1681 Section 602 A. States I have the right to privacy 15 U.S. Code 1681 Section 604 A. Section 2 States that a consumer reporting agency can not furnish an 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