BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i joined XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX XXXX XXXX and XXXX. My XXXX started XXXX XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas in XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX and 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 2015-12-22
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've tried numerous times to obtain my trans Union credit report and keep getting returned to the same page to re-click the continue button. I Received my report, but when I attempt to dispute information, I am given the run around and not allowed to access the dispute site. also, the Items I 've been disputing have been disputed before because they were part of my husbands bankruptcy and discharged under case XXXX XXXX.7 by United States Bankruptcy Court Judge XXXX XXXX XXXX XXXX And the creditors have failed to aknowledge the discharge order, dispite sending them numerous letters and disputing on the trans union site. I live in a co-debtor state and all of the debts in question were incurred while married. Yet, all attempts to rectify the situation have failed. My husbands lawyer only says keep mailing or file bankruptcy yourself. That some creditors will not recognize the bankruptcy as far as co-debt and the only way to get them to stop is to file bankruptcy myself. I should n't have to and do n't want to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They have sent me a report that reads the XXXX fraudulent accounts remain. They have willfully violated the FCRA in that they have not blocked the XXXX fraudulent accounts as requested in full accordance with legal provisions set for victims of identity theft and they have provided no explanation as to how they have investigated the accuracy of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: RSH & Associates, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed that my credit score had dropped dramatically on XXXX XXXX so I got credit report and discovered that RSH & ASSOCIATES LLC had, posted a collection to my credit history report so I called XXXX to see what this was and I was informed by an employee named XXXX XXXX that this was my wife 's debt and that I was responsible for debt because we were married and I informed him that I had not signed for any of the services of XXXX XXXX XXXX XXXX XXXX XXXX and that I was not present the day services we rendered, he said that they were not going to remove. So I contacted XXXX and filed a dispute and called CFPB on X/XX/2017 and was informed that I was correct, that this collection agency can not attach this to my bureau just because I 'm married and that I needed to file a compliant to keep them from doing this again. I want this company to remove all collection reports that they have file against my credit history with any reporting agency or I might take legal action. Thank You!! XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks. XXXX Ph. # XXXX Original Creditor XXXX XXXX XXXX or XXXX XXXX Mo. Dollar amount {$830.00} past due as of XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had hired XXXX after many attempts requesting loan information from a home equity loan from XXXX XXXX. After XXXX XXXX federal XXXX failed to respond and provide requested information. XXXX and XXXX removed account completely. Experien after disputing did not find anything wrong, I resubmitted dispute and they are now investing by contacting furnisher. XXXX XXXX has also reported illegal update stating this account was an open revolving line of credit. Which recently interferred with first savings denial on my home refinance application. They had asked if I intend to pay off XXXX XXXX. After they illegally closed my home at sheriff sale they continue to abuse me by punishing my credit history which controls my way of living. XXXX XXXX real estate XXXX XXXX has recently said they do not like me therefore they did not sell my home to my brother. Which I had rights as home owner to simply transfer title from very beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX items on my credit report that I had nothing to do with : XXXX, XXXX. 
I only owe XXXX hospital bill from : XXXX XXXX I 've attached my current license and XXXX additional forms of identity verification ( birth certificate, social security card )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Regarding Experian Public Record on my Credit Report, I filed a chapter XXXX bankruptcy XX/XX/XXXX ( more than 10 years ago ) I filed a chapter XXXX bankruptcy, dismissed in XX/XX/XXXX ( more than 8 years ago ) **They are both still on my Experian 's credit reports. 
See documents attached below. Thanks much : )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Recently applied for auto loan for new car. When my credit was ran the report stated that I was 60 days delinquent on my child support to XXXX County and that I have serious delinquencies. None of which was on my credit history when I received a auto loan last year credit score also was effected by there action. When contacted agency stated because of being late with my support payment which was late because of going thru the courts XX/XX/XXXX and XX/XX/2011.

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 2015-10-31
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had a home for 15 years in XXXX XXXX, NJ and my husband lost his job in XXXX of XXXX. We tried to sell the property in short sale, but XXXX denied XXXX separate short sale offers. We went into a backdated foreclosure in XXXX of XXXX and had moved out of the house at that time. XXXX then got caught up in the robo-signing mess and our foreclosure was put on hold. In XXXX, we were told that the XXXX forgiveness act was expiring and we should file for bankruptcy against the house due to it still being in our name and again in active foreclosure. The home was discharged in XXXX XXXX. Our loan had been sold to XXXX when XXXX went under, and they were notified of the bankruptcy. They assured me that they would put the home in sheriff sale, but during the XX/XX/XXXX, 6 years after initially leaving it, we were told it was sold to Seterus. Seterus has been calling me weekly ( every 5 business days ) on my cell phone to try to collect the debt, though they know we were discharged and they have been given the file number repeatedly. We also get weekly or bi-weekly collection notices through the mail. 
The house is still in our name though it was turned over to XXXX in XXXX, and we are forced to still rent due to the inability to attain a mortgage because of the lien in our names. 
We have been given varied directions by attorneys, such as to rent the property and make some money, do a deed in lieu, which had already been offered and refused, or just wait it out. 
We need help!!! There is no end in sight at this point, and it is severely preventing us from moving on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
Chase Freedom has refused to lower my credit card interest rate for the last two years plus from their highest obscene rate of 29.9 %. I have n't missed a payment or been late with a payment in three years. Last time I asked they said the rate was based on my original application guidelines. I 've had this card since 1990. How is it possible that I 'm tied to guidelines from 26 years ago when everything else in banking and credit card regulations has changes numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
l was unemployed for 9 month from XXXX to XXXX XXXX in XXXX applied for mortgage modification with JP Morgan chase my lender and I was told I needed to have 3 month of default to get any help. So I defaulted 3 months and in XXXX I applied and got approved for mortgage modification trial starting XXXX XXXX. I made my XXXX XXXX payment with the amount they set in modification. on XXXX XXXX XXXX dropped of the paperwork that needed signed and returned to chase by XXXX XXXX we had travelled away for XXXX holiday and when we returned on the XXXX XXXX we sighed and XXXX the paper work back to chase. on XXXX XXXX we received a letter from chase stating that we were no longer in the mortgage modification plan and our home was being escalated into foreclosure process if we did n't submit the defaulted payment. we contacted chase and they said they received our signed paperwork late on XXXX XXXX and for that reason we were no longer in the modification plan. we have contacted chase XXXX XXXX XXXX several times on XXXX XXXX I was told by that my application is going to be activated again. on XXXX XXXX I called to make my monthly payment and the customer service refused to take my payment citing that I need to pay minimum {$3000.00} on defaulted account since I was no longer on modified plan. I called back chase this to ask how and where to make my payment and they told me they cant take modified amount and if they do n't receive payment by XXXX XXXX my home will be foreclosed on. the signed document that chase has said they arrived late are date XXXX XXXX when I told chase that due to the holiday may that 's why you received mail late. they told me that 's not their problem that they need those documents by XXXX. when I asked chase why they waited until XXXX XXXX to send me the paper work and nobody knows why. I asked the paper work over and over they kept saying it was coming and when it came we were gone out of town for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2015 I visited a XXXX to be treated for an illness. My health insurance was billed, and they covered the visit ( I only paid a copay ). In XXXX 2015, I visited the same XXXX location to treat a XXXX XXXX with the belief that they accepted my insurance because they had accepted the same policy in XXXX of the same year. Sometime after my visit, I received a bill for {$250.00} in the mail for the 5 minute office visit to XXXX. I did n't understand why I was covered in XXXX, but not in XXXX. I called my healthcare provider, and they told me that in XXXX that had made a mistake, that XXXX was out of my network, but they caught it in XXXX, so they billed me in full for the visit. I believe that this was very misleading on their part -- since they covered my XXXX visit, it led me to believe XXXX was in-network. I contested this claim to my healthcare provider through their internal review system to no avail. I then submitted my objection to my state 's insurance review board, but I never got a response from them on the matter. I then contacted XXXX and went through their internal review process in an attempt to get the bill reduced as it seemed an exorbitant amount to pay for a 5 minute office visit, but they too denied my dispute. While going through this process to fight what I thought was an unfair ruling by my healthcare provider and XXXX, my {$250.00} bill went into collection. I have since paid off the {$250.00} bill from collection in full ; however, after obtaining a credit report, it has come to my attention that, since the medical bill went into collection, it is negatively affecting my credit score by up to XXXX points. I believe this is patently unfair. I have spent years since I graduated college to build up my credit score in order to buy a car, save for a home, etc., only for my credit score to be adversely impacted by, what I believe, was my healthcare providers initial mistake of misleading me into thinking my insurance was accepted at a healthcare provider due to their previously covering my visit to the same location. I would like to see this medical bill removed from my credit history in order to restore the good credit I had been building up over years.

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 2016-03-26
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:
I can not get any help from EXPERIAN. I tried emailing the message below as a result of all my mailed correspondence being returned to me with the claim that their Agency thinks I am not me. They are ruining my credit and will not help me with anything. I am blocked on their website form filing any disputes on my information. I can not get help by mail. No one will assist me at all. 
Please read the following email : Sent to Experain : I just spent two hours attempting to navigate your site. At this point I have no idea if I even have an account. I can not login. I can not find my report. I can not figure out what I was charged for or how much I was charged after inputting credit card information twice. Which I also can not understand since the only reason I even started this whole process was because I was offered FREE access to my Experian report. 
Kindly explain what is going on. I need to know what I have been routed into here. 
In addition I was just declined credit due to my Experian report and I am told I have the right to my FREE report. How do I request that? I am requesting that. 
Your agency is giving me a rating that is XXXX points below all the other reporting agencies. Due to the impossibility of emailing anyone at your Agency and also not being allowed to access my online information, I can not dispute information that is obviously incorrect. Otherwise there would not exist such a large discrepancy in the numbers. 
I would appreciate any assistance your can provide on these issues. 
If you can not assist me with any of this, I need contact information for whomever can. 

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 explanation
Consumer complaint received 2016-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Attempted to get my annual free credit report from Experian online, through the website " XXXX '' ; filled out the necessary information, chose " Experian '' as the agency from which I wanted the report and was provided the message : " We 're Sorry '' and " A condition exists that prevents Experian from being able to accept your request at this time. '' ( " Online Delivery Unavailable. '' ) I repeated the request, without success. 
I also attempted to contact Experian to resolve the problem but was unable to file a request or to speak with anyone at Experian. 
My complaint is that I should be able to access my credit report online, yet Experian is blocking me. 
What can I do to get Experian provide me a copy online of my free annual 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 2017-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was hired by a company with a US office in New York and the home office in XXXX as a Purchasing Manager. I bought gift cards from local merchants and sent the to XXXX. The company purchased them from me by routing payments to my credit card. 
Now the gift cards are empty and the company is taking the payments back through XXXX in NY. I 'm now out {$42000.00} on one card and {$72000.00} on the second.

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 2023-02-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2023, at approximately XXXXXXXX XXXX, a person identified as XXXX of the J P Morgan Chase XXXX XXXX called me to acknowledge receipt of my complaint ( XXXX ) submitted to the Consumer Financial XXXX XXXX XXXX XXXX about XX/XX/2023. Problem XXXX : The number calling was XXXX. She provided no other information. It is now almost XXXX weeks without further response from the bank. I tried to call the aforementioned number, but there was only a recording about marketing preferences without possibility of talking to anyone. JPMCB purposely deceives the public about the number from which it calls, and makes it impossible for the public to contact the person allegedly assigned.. For more than XXXX months I have not been provided with appropriate information ( statements ) about my account to verify charges. I filed a different complaint ( XXXX ) to the CFPB subsequently, but Chase has not even acknowledged it, let alone made any attempt to resolves my complaints. I do not know if " XXXX '' is a real name or nom de jour. Problem XXXX : I sent an email to JPMCB XXXX XXXX 's email address listed on the internet ( XXXX ), but my message was returned as sent to an unknown at JPMCB who supposedly is handling my complaint ( s ) while JPMCB remains silent and incommunicado. JPMCB purposely prevents the public from contacting its assigned personnel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There is a unauthorized inquire on my credit dated XXXX/XXXX/2016 from XXXX XXXX. I did not request any credit from XXXX XXXX on this date, please have this removed ASAP and it 's stopping me from applying for business credit which is required. There should only be XXXX inquire on my credit report from XXXX XXXX from XXXX/XXXX/2016. 
I have attached picture from XXXX for support.

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 2016-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.

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