BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX/XXXX/XXXX I received a mail from Experian in regards to my credit report. I have noticed that the fraudulent XXXX account number # XXXX is still on my credit report and considered negative. I have already contacted XXXX on XXXX/XXXX/XXXX to dispute the fraudulent charges of {$2100.00} due to Identity Theft. XXXX sent me XXXX letters on XXXX XXXX, XXXX and XXXX XXXX, XXXX and advised me that the fraudulent account will be removed. Experian still refused to remove this fraudulent XXXX account from my credit report. I have already filed numerous complaints against Experian in regards to this XXXX fraudulent account for the past 2-4 months. Experian responded back to me and told me it will remove this fraudulent XXXX account. Experian failed to meet consumer 's expectation and serve its customers properly. Experian has been investigating my Identity Theft case for the past 2-4 months and still failed to conduct its investigation properly. I wish Experian will be 100 % honest with me by telling me that it will NOT assist me at all with my Identity Theft case and refuse to remove the fraudulent XXXX account from my credit report. I have proof that XXXX sent me XXXX letters and advised me that it will contact Experian, XXXX and XXXX to remove the fraudulent account from my credit report. XXXX also sent me a letter of apology for my pain and suffering in regards to my Identity Theft. I still have NOT received a letter of apology from Experian. The ONLY thing I received from Experian is negative remarks on my credit report such as XXXX. It is bad enough that the suspect stole my identity on XXXX XXXX and committed the crime of theft at my expense for the past several months. But the situation is getting worse and worse because Experian refused to remove the fraudulent XXXX account from my credit report and falsely accused me of several things such as filing a lost or stolen credit card. I have NEVER filed a lost or stolen credit card in my entire life. I ALWAYS paid my bills on time without penalty. I obey the laws. Experian treated me like a criminal or suspect instead of supporting me as a victim of Identity Theft.

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 2016-08-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 there were a number of fraudulent ATM withdrawals made from my account. A police report was filed. I disputed the charges with the bank but after asking for no paperwork or documentation they rejected the claim and now my account has a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed AN sent to transunion to remove a hard inquire to XXXX credit card. AN also set to the credit. 30 days have passed with no reason. I told them it 's not me an no response to remove the item nor any info updated.

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 2016-03-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received a consumers report # XXXX from Experian stating that XXXX XXXX Acct. XXXX ... would be deleted XX/XX/XXXX. The date of that report was XXXX XXXX, XXXX. I requested and received an updated report # XXXX dated XXXX XXXX, XXXX. On this report I notice that XXXX XXXX Acct # XXXX ... was not going to be deleted until XXXX, XXXX. I worked on establishing new credit and in XXXX, XXXX I disputed XXXX XXXX and other items on my credit. They did n't remove it saying I had made payments since then, I did n't understand and continue do n't understand. I disputed again in XXXX, XXXX they refused even look @ it again. This account is listed as closed, yet it is reported as late every month. There are XXXX other accounts that are closed and also being reported as late. I believe these account should be deleted already. Finally, what is so puzzling to me, is my fico score has been consistent for months between XXXX and on XXXX XXXX, XXXX my fico score went from XXXX to XXXX. On XXXX XXXX, XXXX my score dropped from XXXX to XXXX but nothing changed on my credit file. The only reason I can see it changed is that I canceled another Experian product around that time. Things that right on my credit file should stay, but things that are in question or in error should be removed. Thanks for consideration.

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 2016-07-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
As of XXXX 2016, my credit scores was XXXX, my debit to credit ratio was reduced, my credit limits were increased, as of today no negative information including inquires were place on my Experian credit report. I applied for a low interest credit cards and was notified my credit scores was lowered to XXXX. 
I attempted to reach out to Experian to obtain explanation and copy of the report, first problem which I have filed several complaint about, is due to the fact I have filed complaints against Experian I am now discriminatorily placed in a special department and only permitted to speak with one representative. If that representative is not available I have to wait days sometimes weeks for a response. 
In addition Experian database was attacked and I am suppose to have free credit protection and access for a set-period of time which I have been denied. 
I placed several calls to Experian to obtain copy of credit report and scores and rational for lowering the credit score to date Experian has refused to provide credit reports, scores. 
Each time I called I have been told I am able to go online to retrieve the report this is not true please find attached a copy of denial of online access from Experian. 
Therefore, I requesting the CFPB investigate the above mentioned discriminatory actions and enact, enforce laws that protect the consumers from this abusive practice.

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 2016-08-19
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice that my new mortgage payment is XXXX. The following payment was not in step with this document. I refuse to payment this new amount and any late fees. This problem needs to be straighted out ASAP. They will not answering any questions about my account and the discrepancy with the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: GA
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:
The FTC report was sent to Equifax ( see attached ) as they requested, and the inquiries still haven't been removed. See the report. Please remove inquries that were not authorized. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
EXPERIAN refuses to comply. Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have requested this information twice already? XXXX refuses to send verifiable proof and comply with the laws set forth by the FCRA. This is a deliberate violation of a Federal Law and I want these account removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX DISPUTE LETTERS SENT XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

I ALSO HAVE CERTIFIED RETURNED RECEIPTS VERIFYING THAT EXPERIAN HAS RECEIVED MY REQUEST DATED XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am writing in regards to my credit report Inquires. My computer was stolen early last year in XXXX. Ihave been turned down for credit because of the quanity of inquires that are on my credit report, these are inquires that I have no credit with these companys, and never made the inquires. My computer that was stolen had all my information on it and all the passwords.Here is a list creditor first then the date the inquirey was made. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ... .All of these I do not recognize and did not make make them there are duplicates and triple times put in for XXXX creditor Please delete from 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 2021-11-25
Company: Franklin Collection Service, Inc.
State: MI
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 submitted multiple complaint letters to franklin collections & all credit companies that this is a error. they still have not brought my dispute a resolution. they failed to send me any response in regards to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
All of sudden, I received an ATM card from Citizens Bank on XXXX XXXX, 2016 and then another letter following day that welcomes me for opening an account with them ( which I HAVE NEVER DONE ) and asking for my signature. So I called the XXXX XXXX XXXX ( found on letter ). I told the Citizens Bank customer service how I have never opened an account with them and requested closing the account immediately but I was told I need to provide my social security number or somehow go to their branch somewhere in XXXX to get any help. Either that, just cut the ATM card. How that solves any problem knowing that an account is opened under my name without my knowledge and permission? I believe my 2 phone conversations with them is recorded. Prior to this, I have never even heard of Citizens Bank. I read online this is a very common phishing practice to acquire new customers. It 's very disturbing and worrisome. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: GA
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:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I'M SORRY THIS ISN'T ABOUT A MORTGAGE. I'VE BEEN TRYING TO GO THROUGH Neighborhood Assistance Corporation of America ( AKA NACA ) SINCE EARLY 2021. I'M IN A PUBLIC HOUSING PROGRAM WITH A HOUSING VOUCHER WHICH NACA WAS WELL AWARE OF. IF I CAN NOT USE MY VOUCHER TOWARD THE PURCHASE OF A HOME, I CAN NOT AFFORD TO PURCHASE A HOME. I WAS TOLD BY NUMEROUS NACA EMPLOYEES THAT I COULD IN FACT USE MY VOUCHER WHEN IN FACT I CAN NOT AFTER ALL. I'VE PAID {$25.00} FOR THE MEMBERSHIP FEE THEY REQUESTED ALONG WITH MONEY TO PULL OUR CREDIT. NACA HASN'T DONE ANYTHING FOR US, THEY NEVER RETURN CALLS OR ANSWER EMAILS. I'VE REQUESTED A REFUND OF MONEY I'VE GIVEN THEM WHEN ALL ALONG I COULDN'T BUY A HOUSE THRU THEM AFTER ALL. THEY'RE INGORNING MY REFUND REQUEST. I JUST WANT MY REFUND OF {$56.00}. I'M ON XXXX AND LIVE ON A LOW FIXED INCOME I CAN'T AFFORD TO JUST DONATE MONEY TO BIG ORGANIZATIONS AND THAT'S WHAT THEY'RE TREATING MY MONEY AS. I WANT MY MONEY BACK BUT THEY'RE IGNORING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: NY
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:
The credit reporting agency has not provided me with proof that the inaccurate accounts on my credit report are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I will continue filing complaints until Chase decides they are willing to help me and the XXXX of other borrowers in financial distress and no way out. I have repeatedly asked chase for some type of modification to lower my loan payments - denied every single time by Chase. I desperately want to pay my loans, as well as my cosigner but we are in desperate need for some type of relief. XXXX, when I spoke to them on the phone, informed me that I can only get a modification once every 12 months - this was not disclosed during the initial round of questioning when I first requested lower payments. What is happening here is completely and utterly wrong - I am begging Chase to make payments that are lower than the current payment. I am not understanding why a agreement can be made to allow me to continue to afford food and living expenses as well as paying my loan. Thank you for issuing a non certified student loan and being unwilling to help the borrower make payments to the loan. PLEASE ALLOW ME TO LOWER MY PAYMENT TO THE XXXX THAT WAS AGREED UPON ORIGINALLY. PLEASE EXTEND THIS FOR 6 MONTHS THAT IS ALL I AM ASKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
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: 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 2015-10-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. XXXX is always blocked by my anti-virus system when they try to transfer me to a malicious website and Experian always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to 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 non-monetary relief