BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have incorrect information on my credit report. I went to dispute items that were incorrect again and experian will not let me do so. Message came up that i have already disputed these XXXX items and will not re-dispute the information. I tried to add a statement as XXXX item was a result of identity theft and again it would not allow me to add a personal statement. Now i need to spend my time on the phone again tomorrow to call experian and I want these items re-disputed. It 's not right that I have identity theft on my credit report which is affecting my credit score and they wo n't remove it. I also contacted the ceo of XXXX to complain as I was getting nowhere trying to contact XXXX XXXX customer service. There are also items reporting as potentially negative for a late payment. When in fact I have valid proof from the bank that these items ( XXXX ) should be reporting as accounts in good standing.

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 2016-04-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian reports of an account, partial account number XXXX in the name of XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have a passport, birth certificate, social security card and driver 's license which confirms my name as XXXX/XXXX XXXX and has been for XXXX years. 
The account is with XXXX XXXX and claims I owe {$5.00}. This is identity theft and that identity theft has been reported previously to other credit reporting agencies.

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 2017-01-09
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was sued by Midland Financial and they ended up getting a judgment and I paid that, via a forced payroll deduction, then they came back on another loan and were relentless in their efforts, however ; this time I fought back although it pushed me into bankruptcy once the chapter XXXX is complete I will be free of this scourge of a company. I recently read there was a judgment that the company had to refund those who were wrongfully sued. I am inquiring about that, as I have heard nothing from Midland on this, and the first loan I feel I should get the refund. 

Encore and XXXX Must Refund XXXX Dollars and Overhaul Debt Collection and Litigation Practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Bread Financial Holdings, 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 filed my complaint on XX/XX/22, XXXX XXXX XXXXXXXX responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: OPORTUN FINANCIAL CORPORATION
State: NV
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:
XX/XX/22 RE : XXXXXXXX OPORTUNPROG,  XXXX we have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I asked multiple times to cancel PMI on my loan, and they continued to refuse. The only way I could reduce PMI was to refinance with a different lender, costing the time and expense of refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2015-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX and Experian refuse to remove the accounts from my credit. Even though those were never late and we 're both included in a bankruptcy chapter XXXX that i filed in XXXX XXXX. It is well over 7 years since filing, and they refuse to remove it, I have disputed it several times before to no luck. Even on their own website, Experian explains that they are removed 7 yrs from the day of filing, they state that both accounts are to remain in my report until XXXX, even though the 7 years after filing have already passed, in fact it is about to be 8 yrs now. This is harassment, what is the point of filing and paying if they will do whatever they want in spite of the law?. Please right this wrong, they are supposed to remove this from my report yet refuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Atlanticus Services Corporation
State: NC
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:
Fortiva was paid off XX/XX/2020. I set up a draft for biweekly payments of {$32.00} I never received any communication that there was a problem with the transactions and did not know anything was a problem until It ended up with collections. I tried to talk to fortiva and they said take it up with the debt collection write off company and that company could not verify my payments. This should be illegal. Credit card companies are doing this all the time. It is not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank offered a promotion for me to open a new checking account. I applied using the promotion code and was accepted. The acceptance on the code gave me the steps needed to receive my bonus points with XXXX XXXX. I met all of the requirements and confirmed with Citibank. Citibank Agents confirmed the requirements were met and bonus points would be posted. After many months and multiple communications Citibank denied my bonus stating " you were not targeted for this offer ''. This was not in the written promotion and not part of the application disclosure. Citibank owes me XXXX XXXX XXXX XXXX or they fraudulently dealt with me and misled me into opening a new account and depositing my money. 
The promotion code issued by Citibank was : XXXX. When I opened my new Citi Gold Checking I recieved this confirmation electronically : " When you opened your new Citibank checking account by XXXX/XXXX/2016, you provided the special offer code XXXX to be eligible to receive either : XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citibank ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Basic Banking Package and completing the qualifying activities indicated below. '' I have communicated this request verbally on multiple occasions, in electronic format at Citbank online, and in writing via certified USPS mail. All have been met with no response or a response indicating that Citibank will not issue the bonus points as promised. Please help me resolve this. 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 non-monetary relief
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a dispute with Equifax and asked that a trade line account for XXXX XXXX XXXX be removed from my credit report that is was inaccurate, last payment on the account was made in 2000, the account was closed and no longer being reported to the credit bureaus by XXXX XXXX XXXX. To date Equifax is refusing to remove this trade line from my credit profile with full knowledge the account in question is in good standing PAID, NEVER LATE and the last payment on the account was more than 16 years ago. Equifax is refusing to disclose how this account is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is my final request to have the remainder of {$230.00} in overdraft fees rebated to me before filing in small claims.     I am being represented by  XXXX   XXXX  Firm.     I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX     2017  even though I never elected to have overdrafts allowed on my account. I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded or I will bring the matter to small claims.     My Account number is  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There were XXXX unauthorized charges on my chase credit card account. I contacted Chase and initially they credited my account while they were doing their investigation. Later after about 2 months they told me that the charges were valid and charged my account. But I have told them over and over the charges were not mine and I never authorized the charges. The person who made the charges has a totally different name, living in a different state! I do n't know the person, I never authorized the person and I have no idea how that person used my Chase account number to subscribe to XXXX! 
Since XXXX XXXX, 2015, I have sent chase XXXX messages ( through their online customer service ) telling them again and again that the charges were not mine and every time they say they are looking at my issue and will get back to me in 2-3 days, but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: FirstCash, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a consumer who seeks or acquires goods or services for personal, family, or household use. I traded in my items ( property ) in exchange for a purchase money loan pursuant to 16 CFR 433.1 ( d ) at the designated location of XXXX XXXX XXXX, XXXX, TN XXXX. Your employees are charging me a " finance charge every month which is illegal pursuant to 15 USC 1605 ( a ) ; 12 CFR 1026.4 ( a ). The " finance charge '' in connection with any consumer credit transaction shall be determined as the sum of all charges, so why are you charging a finance charge every month when the finance charge is the sum of all charges? I never agreed to waived my rights pursuant to 15 USC 1693l, and 16 CFR 433.2! I want you to waive all charges and allow me the consumer to only pay the finance charge to get my items back before litigation. You can keep all the previous cash payments I submitted in the past which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report from Experian has a wrong address listed on my report. I reported that I am not and have not nor never been associated with the address of XXXX , MI XXXX or XXXX. They sent me a report back with the same address listed on my report but with an additional address that is not associated with me XXXX, MI XXXX. They sent me credit report back with the same addresses that are not mine, still on 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 2016-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I was part of the XXXX glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response. As a result each credit reporting agency has now been alerted that I have new inquiries being reported and it bringing my scores down.

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 2016-05-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All of the accounts listed have been removed by both XXXX and XXXX. Experian is continuing to report all of the accounts on my current 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 explanation
Consumer complaint received 2017-02-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is falsely reporting XXXX dismissed bankruptcies and a XXXX. Disputed with bureau all items came back verified. Contacted the court and the told me they never verify to any 3rd party lenders. Nobody has called or wrote to there office. XXXX was disputed by Experian came back verified, contacted XXXX Directly and was told that they do n't even have all the documents from the very beginning of the credit card. So I 'm very interested in how they 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 explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my XXXX XXXX. The company does not provide customers with an up to date XXXX XXXX in the XXXX XXXX section of the mobile app. Today is XX/XX/XXXX using the XXXX XXXX tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my XXXX XXXX to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.

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 2016-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America holds my mortgage and I pay into an escrow account for my property taxes and homeowners insurance. My homeowners has now been cancelled for nonpayment, because Bank of America never paid the bills. When contacted B of A says my insurance company never sent a bill and that I can contact my company to send them a bill and it will be paid. However my insurance company will not reinstate my policy. My agent has searched for a new policy, but due to the cancellation can only find insurance in surplus lines which will cost almost {$2000.00} more than my original policy. I have the papers that show B of A was sent a bill along with later cancellation notices. How could Bank of America know to send me notice that my insurance had been cancelled if Bank of America never received anything from my insurance carrier. Plus I have enclosed the original bill that was sent to Bank of America. I want B of A to pay the difference on my homeowners insurance as they caused my dilemma. It is ridiculous to think this company can just say " oh we never got a bill '' and it relieves them of all responsibility. If I tried that with my mortgage payment I highly doubt B of A would just let me pay if and when I got a mortgage bill without repercussion. Bank of America needs to either pay for the surplus insurance line or they need to get my insurance company to reinstate my full policy at my original rate.

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 2015-07-07
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a trial modification plan which we paid. In XXXX, 2015, our trial modification was converted to a permanent modification. We made our Payments in XXXX and XXXX 2015. On XXXX XXXX, 2015, Statebridge sent us a Notice of Intent to Accelerate our loan, claiming that we were behind {$7700.00}. This is simply not correct. We are current on our mortgage per the modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Due to a recent ( successful ) credit card application, I received a notice that I could get a free credit report within 60 days. The notice gave a phone no. for Experian ( XXXX ) which I called. After answering the prompts on the phone tree, I got a message that said if I did n't have internet access, to stay on the line to get a report mailed to me. I waited and the message cycled through 3 times then said something like, " I 'm sorry you 're having trouble. Pls try again later. Goodbye. '' I called again and this time, pressed " XXXX '' at that same point, which was for people who wanted their free annual report. ( Since I was n't trying to get that, well, I did n't know if it was the same thing or not, I did n't go that direction on my first pass. ) So, from " XXXX '', I got a message that said to go to the website and, eventually, ended the call, similar to the first time. ( One of the options in the phone tree was for those who had received a negative response to a credit application. I did n't go that route because I had received a positive response. ) The bottom line is that Experian says they will mail you a copy of your credit report and that you can order it by phone but then, it does not let you do that. Now, I came over to a relative 's house to use the computer and went to Experian.com, where they list a 2nd number to call ( XXXX ). I did so and got the exact same phone tree and the exact same recordings that led nowhere. It was the same as the first time, I called and pressed " XXXX '' and waited there until they hung up on me, called back and pressed " XXXX '' until they, again, hung up on me. 
Luckily, for me, I have fairly reliable computer access, so it 's not a big deal but what does someone with no access to computers do? Experian 's phone response is all automated, so it 's impossible to actually talk to anyone and ask questions, get help, etc. Experian is not servicing our consumer community as it purports to nor is it servicing us as I understand it is obliged to by law. What do you think?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian continues to report inaccurate information on my credit report. I have disputed the name listed on my credit report numerous times & they keep reporting it. This information is NOT ME, HAS NEVER BEEN ME and I 'd like it removed at once. I 'm attaching all legal documentation to prove my legal name ...

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