BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have been disputing the same collection for to years. The account in question is a collection for a checking account with what was then XXXX XXXX. The date of assignment with the collection agency was XX/XX/XXXX. This account remained open and active with XXXX XXXX until XX/XX/XXXX at which time I closed the account with a XXXX balance due to XXXX being unwilling to allow me to have a checking account unless I had overdraft protection. So I closed my account. I disputed the collection with all XXXX CRA 's and it was deleted from all but Experian. In my multiple disputes of this account I have sent Experian documentation of both deposit and withdraw activity on the account in question AFTER the date that the account was said to have been put into collection. I also sent them documentation from XXXX stating the account was closed with a XXXX balance on XX/XX/XXXX. Experian 's response was that they verified the account info with the collection agency, and the the collection will remain. I believe that Experian is violating the Fair Credit Reporting Act, and the new settlement agreement that all XXXX CRA 's entered into the the NY state Attorney General.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I googled " Free credit report '' and link to Experian showed up. When requesting a credit report supposed to be " free '', they signed me up for monthly monitoring for {$21.00} without my realizing it. My FICO score is excellent and I am not in the market for any loans. I found out about this charge from my credit card statement. When contacted, they refused to refund the fee. When googled, this is XXXX of the top XXXX complaints against Experian as many other people have had the same unfortunate experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I have another complaint that 's related, # XXXX. I tried to get my XXXX free credit reports because my FICO scores with XXXX of them were XXXX points different. But I was not able to get my FICO score from Experion without paying {$1.00} for it. At no time did the representative tell me that I was signing up for a credit checking service and she told me what to click and where. She never explained I 'd have to cancel the " free '' service within 7 days, nor where I could do so. They charged me {$21.00} for this service that I did not want, did not order, did not ask for, was never told about, and they would not refund the charges. This is the biggest scam going and these credit bureaus are what all the rest of the good people of this country are being held hostage by and being scammed on a daily basis. It 's no wonder the financial systems in this country are in major trouble. 
It 's shameful that people are being ripped off every minute by the XXXX credit reporting agencies that we 're all dependent on for obtaining credit and that this continues daily with no recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are XXXX student loans and an account with XXXX and XXXX that have been disputed with the bureaus and the information varies on all three bureaus. The late payment months are different amounts etc., I then requested information directly from the companies and they have not responded at all. The address that were used for these letters were those listed on the credit report. It has been over two months and there is still no response. If the creditors are not responding to me the person that is suppose to be responsible then they would not reply to a true investigation from the XXXX bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute to both XXXX and Experian online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, Experian informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. XXXX appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ XXXX ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- XXXX and Experian -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if Experian and XXXX want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are Experian and XXXX using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?

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 2016-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account has been pif, the entire {$720.00} amount and the acct closed and per our agreement with XXXX bank it was to be deleted from my credit reports entirely. XXXX bank 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
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have subitted proof over 12 times in the past few years in regards to XXXX. which is XXXX for the amount of {$2300.00}. I have disputed this information and yet the item still remains. The apartment complex was paid directly XXXX XXXX and the property manager gave me a signed letter after receipt of payment indicating they received the full balance and my balance was XXXX. All the reasons I provided are BY LAW grounds to have it deleted and I am still dealing with the same issue. If this item is not deleted, I will be forced to use all avenues provided to me as a consumer if the credit bureaus do not abide by the laws governed and remove the items.

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 2016-08-17
Company: Cooling & Winter LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been fighting with various names of this same collection agency for years. I have stated numerous times that I do n't even believe this debt to be correct, but have paid over the years because they obtained a judgement ( which I also challenged ). Most recently, I sent XXXX letters to XXXX XXXX and XXXX along with a payment and requested a break down of my account showing my payments and balance. They never responded. Instead, they rolled the account over to another name law firm which is really the same as theirs and they start all over again. The new firm is Cooling & Winter. I just saw they lost a law suit from CFPB for doing this sort of stuff. I am asking for an accounting of the payments I have made and a balance owed. I am also asking for a verification of the debt. Third, the judgement is nearly ten years old and I want to know if it is even enforceable since it was done in yet the name of a third law firm. They just pass the debt back and forth between their various sham firms. I have evidence that this debt was taken care of via a XXXX I was sent from the bank years ago but they do n't answer my complaints in this matter. I have written dozens of letters to them over the years and they fail to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited XXXX citizens bank checks into my account and I never received any of the funds from the checks for the XXXX and the XXXX citizens bank checks that I deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information. 
It is impossible to speak to a person ... 
I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan. 
Not happy .... thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking account at Citizens Bank for many years. In the past year the statements are not correct. Last winter I spoke to XXXX different service reps and they could not help. More recently I spoke to another service rep who started to help and then said it was too much work. Lastly I met with a rep who after spending considerable time with me borrowed my ledgers for several days and then said after going over the bank figures and my figures could not find the mistake. There is a difference of about {$200.00} in their favor. I can not close the account until a lot of checks clear or until this difference is settled. Meanwhile I will not do any more business with them. I have opened an account with another bank but I need to take the money out of Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent Experian numerous requests asking them to please investigate and correct some accounts in my credit report that are reporting incorrectly and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Personal information has my name as XXXX XXXX. My name is not that. My name is XXXX XXXX XXXX ONLY!

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 2015-06-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/XXXX I called Experian about an ongoing issue with my Credit Report for in accurate items that are listed on my credit report. I talked to a representative named XXXX from team edge for XXXX minutes and XXXX seconds. She went on to tell me that the incorrect account status that I 'm viewing is n't the same thing that she is seeing on Experian 's system, which is a charged off account with the bankruptcy notation. I have XXXX accounts that are listed under bankruptcy that are supposed to be deleted after 7 years of the discharged date. These accounts list that they will be removed XX/XX/XXXX. These accounts are still listed as negative items after my discharge. I then asked to speak to a Supervisor and she stated within XXXX seconds that there was n't one available. I then told her that I recorded our conversation and she immediately said that I did n't have a right to do so, but that Experian records all phone calls. I asked for the CEO and she refused to give me that info but gave me a pone number to call. My rights have not been abrogated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I attempted to access my annual free credit report from Experian, as guaranteed by the Federal Trade Commission. I submitted my information to access my report, and submitted credit card information, understanding it to be for identity verification purposes. I realized a few months later I had been charged for a monthly " membership '' to Experian, which I had absolutely no knowledge of purchasing and had zero interest in. I absolutely would have not purchased this if it had been labeled clearly. This was a complete bait-and-switch to sell a product buried into a free service guaranteed by the federal government. Upon calling to request a full refund, Experian provided one month 's refund but refused to refund the rest, implying that I must had indeed wanted to sign up for this useless product since I had n't cancelled it immediately ( despite not knowing I had signed up in the first place ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my husband passed away and he had credit life insurance so my mortgage should be paid off but loancare are still makin me pay and and they keep raising my house payment and now they are sayin I owe XXXX $ late fee which I do not I mailed and owe them nothin

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 2015-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Items purchased at a XXXX XXXX department store were charged to my credit account, by an individual unknown to me and, of course, not authorized by me. I notified XXXX XXXX as soon as I received the bill, and completed their fraud affidavit. They sent a copy of the transaction with a signature that is obviously not mine and claimed that they verified the transaction by calling my home telephone. I sent them a copy of the phone company XXXX XXXX XXXX transcripts of all calls coming to and from my phone number on the day of the charge showing no call to or from XXXX XXXX, but they have still denied my fraud claim and have reported the account as delinquent to at least Experian XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Last ReportedXX/XX/XXXX XXXX XX/XX/XXXXCollection AgencyXXXX XXXXOriginal CreditorXXXX XXXX NEVADA XXXX XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXClosed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectionXXXX has sent me correspondence offering me to pay XXXX but i wont becausethe highest credit line i had with them was XXXX and my last bill was not that muchalso wasted my time i wanted higher limit and after 6 months would not do soi had to pay to enroll credit card and pay yearly feesi would offer to pay in installments past due amount before all these crazy fees minus enrollment fees and yearly fees due to not honoring the credit limit increase waste of time in trying to build credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been having an ongoing problem with  XXXX  for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least  five  times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,  XXXX  and Experian just follows   XXXX   and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.

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 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT TRANSUNION AND XXXX NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collection agency has accepted information to collect a co-pmt. from XXXX XXXX XXXX. Not only have they turned it over to the Credit Bureaus ( XXXX at the least ) and damaged my credit ; yet also have continued to call XXXX daily ; or XXXX time at the least. Once turned over to the Credit Bureaus it is not to be collect by them. Fair Credit Act ; Law..I believe. The same accounts are being collected by another collection agency. Which has worked with me to stop the collection calls now that I have told them it is " Double Jeopardy '', Law, I believe ; only XXXX Agency can collect a debt. Also, and I am complaining here against " Rash Curtis XXXX XXXX along with other numbers. I lived with roommate and have since moved from the home number the roommate knows he has no right to share information. The ex roommate has told only that I do not use his phone number anymore and can not locate me for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have filed multiple disputes about an aged out student loan delinquency on my report. I have never received any findings from transunion. When I log back in, i see that the date the delinquency is constantly moved back so that it never falls off. I have called and reported this and Transunion tells me that there is nothing they can do about it. No matter how many times I report it, nothing is ever done. All of the other agencies have taken care of it, but they refuse to do anything about it and are rude when approached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Trans Union requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a collection on my account for 7 years on all XXXX of my credit reports and when it was time for it to come off the company went and got a judgement against me. Is this even legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation