BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$4100.00} XXXX  XXXX {$3000.00} XXXX  XXXX {$5400.00} XXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$3000.00} XXXX-XXXX  XXXX  XXXX {$13000.00} XXXX XXXX {$130.00} XXXX  XXXX {$9300.00} XXXX  XXXX  XXXX {$250.00} XXXX XXXX {$850.00} XXXX XXXX XXXX {$830.00}

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 2022-09-07
Company: MRS BPO, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I changed phone service from XXXX to XXXX  on XXXX XXXX and paid a final bill. I was made aware of another final bill the first part of XXXX for XXXX. I called XXXX on XX/XX/2022 and talked for 16 minutes and the person I talked to said she adjusted the account and there would be no final bill. I got another notice from XXXX that there was a final bill for XXXX, so I called again on XX/XX/2022 and talked for 34 minutes and again was assured there was no final bill, now on XX/XX/2022 I received a collection notice from MRS account number XXXX for the amount of {$89.00}. I called XXXX on XX/XX/2022 and talked for 13 minutes, but now they said they can not help me. If I owed a final final bill I would have paid it, this matter should never have gone to collections and ruined my credit rating, I want this matter resolved, I was told twice that I had no final bill, I was with XXXX for over 15 years and was never late with a bill, now after changing phone carriers they send me to collections for a final bill that was fixed twice before by to different XXXX customer service associates. Very poor service!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I vacated " XXXX '' before the lease expired. I gave 60 days written notice as requested. When I received the final bill from them, they charged me {$1100.00} for improper notice. They also charged me {$200.00} for final water bills. I was current with rent and water at move out. My water bill never exceeded {$35.00} per month and I hand carried the 60 day signed notice to the apartment manager. I have a copy of this notice. I requested copies of the " final '' water bill and disputed the improper notice charge. No proof or copies of the water bill were ever sent to me and no reply was sent about the improper notice charge. They just turned it over to ProCollect in XXXX, Texas and they promptly listed the charges on all XXXX credit bureaus. After disputing this collection with all credit bureaus, XXXX XXXX removed it. XXXX and XXXX did not. ProCollect has not yet sent me requested proof of the the above documents. 

I am now filing a law suit against ProCollect for reporting false information on my credit 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 2016-12-17
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account from my credit 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 2020-03-27
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The company called several times, including twice to my office, leaving messages with various employees, including our sales staff. I spoke with the collection on XX/XX/2020 and told them at that time I was not permitted to take personal calls at my office, especially messages to random employees. Since their name has Collections right in it, its not difficult for them to figure out what the call is about. They have since contacted my office again, after warning that this is expressly not permitted in our policy.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXXXXXX is reporting information on my credit report that is NOT permissible and inaccurate. They have violated my consumer rights under FCRA 15 USC 1692g, 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1681b. 

I have documented XXXX attempt for XXXX XXXX XXXXXXXX to cure the errors. However, they have been unwilling to fix these errors. 

See attached.

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 2015-10-26
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We just finished doing a refi to remove PMI off our mortgage with no cash out and now we are paying more on the back end while they only eliminated XXXX of the {$600.00} PMI monthly. Today, not even making the first payment for another week, they send me a flyer in the mail on how I can eliminate the entire PMI as part of the new program they have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: SC
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 accounts are not mine but it been more then 30days and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: FL
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 been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to LoanCare. In the process, I started making payments twice per month : one " push '' that was sent from XXXX to LoanCare and XXXX " pull '' that was drawn by LoanCare from XXXX. It took me a while to discover it, and I requested a refund from LoanCare in XXXX for 10 payment periods. I supplied LoanCare the evidence of overpayments that they requested, and then they rejected the evidence without telling me. When I called back ( several weeks later ) to find out the status of my refund, they said that they needed different evidence -- more paperwork. I did the paperwork, and then they approved the refund. Then they claimed that they sent the refund of 10 checks overnight, but I did not receive them. Then I called back again, and they said they could not figure out where the checks went. They said that they were going to have to investigate it prior to sending me the refund -- which is a process that will take over a week -- another week that they're holding onto my money.

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 2016-04-21
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:
My identity had been stolen in 2010 along with the identities of my XXXX children, since then I have been doing the best I can to regain stability, becoming homeless, unemployed seeking assistance while undergoing scrutiny of legalities which remain a very large impact of my life. At best efforts I remain as diligent yet discouraged as I can imagine to be the worst I 've ever confronted. However every time I pursue some sort of professional entrepreneur option & or application for work, seeking only to remain focused for my familiy and ultimate career goals I hit another invisible brick wall, which can not be explained in better ways than if it 's not XXXX thing it 's another probably due to finances ... Now I can properly employ myself with XXXX XXXX XXXX XXXX XXXX small businesses if I am able to find some serious contributing benefactors. However it is that I can I will exhaust the opportunity to prove that this negativity did n't need to be such an considerately low form of empowering the employable. Please take time to correspond with me in every form of contact information provided. I do thank you for you time and consideration. I do apologize if I may have inconvenienced you by any manner. Please enjoy your day.

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 2016-04-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed incorrect information on my credit report that belongs to someone else. I reached out to the company to dispute the information, but when they were done with the dispute they did not remove the information from my history.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, transunion and XXXX are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from transunion even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit 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 2020-06-20
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 fraud alerts or security freezes

Complaint:
I have been told by a company that I am trying to buy a car from called XXXX that a security freeze exists that I did not request. Experian will not answer any phone numbers that exist for consumers. I have overnighted mail, emailed, and tried their online requests that ultimately tell me to call them. They will not answer so that is insane! 

I am being personally harmed by them and I have no recourse to try and get them to help without I guess hiring an Attorney and suing them. I just want the freeze lifted so that I can buy a car. This is not quite a lot to ask. However I can not get a person to ask. 

Your help would be greatly appreciated. 

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 2016-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Open a national bank account with Chase Bank. After a few months I started getting excessive unknown charges from a vender of a fitness club I was not aware I was sign up for. Turns out the account I closed shortly after I opened my Chase account was never taken off direct deposit. The bank told me it was the gym but the gym showed me they were n't taking money. Long story short a XXXX account was mistakenly opened by the gym which caused a XXXX charge to continue for months. When I figured out the issue I addressed the bank manger about my concerns and she opened a fraud claim which was going to fix it. Three months later I 'm in XXXX no bank accounts now and chase wo n't help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. Experian, XXXX and XXXX are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit 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 2019-12-01
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection appeared on my credit report from a company I have never heard of. I have contacted them and asked for proof of the debt and have not received any information, only a demand for payment or they will leave it on my credit. It is severaly impacting my credit score and I feel as if I am being extorted for money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.

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 2020-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be  errors.

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 2020-03-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit Ca rd at Chase and got declined. I have a credit score  above  XXXX  and was told that I had opened too many credit cards. I asked if that was their policy "  XXXX  at lending '' stated that it was CHASE policy and there was nothing I could do about it. I asked for a copy of the policy or if she can tell what the policy was. In essence I wanted to know how  many ( a number ) credit card s were too many. She stated that she could not disclose that. I mentioned that I needed to know so that I do not go through this problem ever again. I asked if this was an industry wide thing or just a CHASE thing, again she stated that she could not disclose that either. For a publicly traded company all policies when it relates to consumers and their credit should be disclosed. If I had been told that if you open " too many credit cards '' you will be declined i Would not have applied. It is imperative to know how many is too many as a decline shows as a derogatory on y our credit score affec ting my ability to get better terms with creditors.

Company response to consumer: Closed with explanation