BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While living in North Carolina around XX/XX/2011 I considered filing for bankruptcy. I sent for the paperwork and submitted it and then was told the information was incomplete and could not go further. At the same time I received a good job offer and decided not to pursue the bankruptcy any further. I thought the matter was closed when upon review of my credit report, I find that the bankruptcy was listed as dismissed. On 3 different occasions I wrote to all XXXX reporting bureaus asking that this be removed. I did so using certified mail and each time the response was the same, they ca n't do anything about it and so it has to stay on. I have gone to great lengths to rebuild my credit since XX/XX/2011 and returning to the work force yet this error keeps hanging over my head. 

Please have it removed from all credit reports. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I C Systems, Inc., located at XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX, is in violation of the Fair Credit Reporting Act. I C Systems, Inc. placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. After doing some research, I found the original creditor, XXXX XXXX XXXX, a company that I also have no knowledge of, is associated with XXXX Hospital ER billing dept. I had only been seen at XXXX Hospital once, on XX/XX/XXXX and that bill was paid in full in XXXX through XXXX and myself. The amount I C Systems, Inc is reporting is the discount the insurance company negotiated with the provider that was applied to the bill. IT WAS NOT A CHARGE. I only owed XXXX Hospital a payment of {$59.00} after insurance paid out which I paid in XXXX. My score has dropped over 60 points due this is company 's failure to perform their due diligence instead of just purchasing random 'alleged delinquent accounts '. Again, {$580.00} is the amount that was negotiated by the insurance company. This company needs to remove this erroneous account that was added to my reports in XX/XX/XXXX since they failed to actually verify and confirm that a balance of {$580.00} was owed.

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 2018-11-09
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have historically found XXXX to be very unresponsive to any questions i've had about my loan and found their interest rates to be excessively high, so in XXXX of 2018 I refinanced my student loan with another servicer. The balance on my account was paid off, and yet on XX/XX/2018, XXXX continued to autodebit my monthly payment of {$180.00}. My XXXX account currently shows a negative balance of {$180.00} ( yes, {$9.00} more than what my autodebit charge was ). I sent them a message asking how and when they would refund me this negative balance and to confirm that the auto payments would be discontinued. Because my account is paid off, I don't have access to all the normal features on my online account ( for instance, i can't see my payment history to confirm when the balance was paid off and became negative, and I can't access the autopay settings to confirm whether it's still active ). I have messaged them twice and not received any responses other than some automatic email responses with some " FAQs '' ; the auto response didn't even say that someone would respond within 24 hours. It has been almost a week and I have not received any formal human response or confirmation from XXXX. I have spent an inordinate amount of time trying to get in touch with them and find it impossible to get a human response ( I shouldn't have to spend hours on the phone during my work hours trying to fix their mistake ). I just want my money back and to make sure that they never try and access another cent from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: ZIONS BANCORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
XXXX XX/XX/XXXX I was referred to XXXX XXXX by the Builder I hired, XXXX XXXX . I applied for a loan via XXXX XXXX, relationship manager. 
XXXX ) When discussing mortgage with XXXX XXXX, I requested a fixed rate Loan. XXXX XXXX told me XXXX was the only program when converting the construction loan to a Mortgage. 
XX/XX/XXXX I emailed XXXX XXXX, he responded with bank does not offer long term fixed rates. I was never provided with any fixed rate mortgage options. 

2 ) Home Inspector did poor job ; he commented he could not see the air condition handler, but he did approve so Builder received payment. Bank Inspector stated there were gates on sight. Builder did not install gates on each side of house and filed mechanics lien to receive payment. Builder used Bank Inspector comments to request payment. XXXX XXXX referred me to XXXX XXXX. She emailed me copy of contract regarding Bank Inspector. 

XXXX ) XX/XX/XXXX In a meeting the Arizona Registrar of Contractors, City of XXXX, AZ Inspectors and XXXX builders, XXXX XXXX, XXXX stated the Bank said I was complaining on bank Inspector and that I was saying bad things about XXXX XXXX. 

XX/XX/XXXX I emailed XXXX and XXXX, why was my confidential complaint discussed outside of the organization. XXXX responded he did not discuss my complaint with anyone outside of organization. 
XX/XX/XXXX I emailed XXXX to file unethical complaint on XXXX XXXX, refer me to Human Resources, or if she is the one to discuss my complaint. XXXX referred me to zionsbancorp website to file complaint. 
My complaint should be confidential. Why is the bank discussing my complaint with others outside the organization?

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 2023-11-25
Company: Freedom Mortgage Company
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX I tried to explain to them that TransUnion I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit. 

According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information.

Transunion continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. XXXX XXXX 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 2023-11-25
Company: Diversified Adjustment Service, Inc.
State: LA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt. Im not sure who used my Information for this bill. This debt is hurting my credit score and my wife and I are trying to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I wrote letters to Capital One and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with Capital One. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.

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 2023-11-25
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a collection on my credit report and called the company listed to see what it was in reference to. It was for a XXXX account of which I never created. At the time I had a XXXX account which was in good standing and never opened the account that they now have in collections. I spoke with an agent and she saw that the account was opened in another state to another address that is not affiliated with me. I went on transition to dispute it and they have not removed it stating the information was verified. It can not be verified because the address on the account is not and has never been affiliated to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe the account is invalid. PARAGON REVENUE GROUP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. PARAGON REV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I canceled my insurance with XXXX XXXX in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with progressive insurance. By law a driver can only have one form of car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have been trying to use this prepaid card for {$50.00} I purchased at XXXX today and it has not been able to work anywhere online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did not receive an email from XXXX but they deducted the disputed amount of {$400.00} plus the fee that was {$87.00} from my Chase Bank checking account on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: EZCORP, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted yesterday ( XX/XX/XXXX ) by XXXX XXXX XXXX  from phone number XXXX. I did not answer my phone and a voice mail was left. It was a prerecorded message stating it was XXXX XXXX XXXX  calling about a personal matter for XXXX XXXX ( me ) I needed to return their phone call or have my attorney contact them immediately at phone number XXXX. I called the number back and a Mr. XXXX XXXX answered the phone. He already knew who I was based on my phone number ( so he stated ). He asked if I was XXXX XXXX and I stated yes. He stated he was calling about an XXXX online payday loan I had taken out in XXXX and my case was currently in the legal processing department where they were getting ready to file a legal judgement against me for none payment. He asked if I had taken out the loan, and I responded I have no idea it was 4 years ago, but I do not recall ever taken out an online payday loan. He then proceeded to tell me I had 90 days to bring the account current or I would face legal action. I told him I was driving and could not provide my account infromation. I would have to call him when I got settled. He aggreed and said this was fine. I then began to research the phone numbers and found other complaints online about phone # XXXX. I then began to research the company XXXX. I found it was owned and opperated out of Texas by a parent copany named EZCOPR whom the CFpB had taken action against in XXXX and the company was ordered to repay thouasnds of consumers and stop any and all colleciton activity including 3rd pary debt collection. I then began to research the collection company XXXX XXXX XXXX and the only company I was able to find being " dept collector '' was XXXX XXXX XXXX out of XXXX, MO. I contacted the company using the number listed ( XXXX ). I spoke to a man claiming to be the owner XXXX XXXX XXXX. The individual stated he had recieved several calls over the past month from individuals who had been contacted by XXXX XXXX of XXXX XXXX XXXX and he had no one working there by that name. He stated he even recived a letter from the Missouri Attorney General about unfair debt practices. He stated he runs a repo company and that is the only debt collection he condcuts. He appoligized to me. 

Over the course of the night I recived robo calls from XXXX XXXX XXXX from the following numbers leaving voice mails from either XXXX XXXX or the automated system stating they needed to discuss an important matter with me. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check using the Chase mobile app on XX/XX/2023 for the amount of {$4100.00}. My account was restricted on XX/XX/XXXX, and later was closed. The reason given for the restriction was that the check was issued to multiple people and required additional review. I've called multiple times over the time period between then and now, and have been given multiple methods of verifying the issuance of the check by Chase, but none of them are feasible. The first method was to provide phone numbers for all parties involved in the check, which I did, but Chase informed me that they would be unable to use the provided phone numbers as they did not exist within their internal validation system. The second method was to request that the check be recalled by the writer of the check and to request them for a new one. This was extremely misleading and a waste of time for all parties involved, as Chase misadvised me to actions that were impossible for all involved parties. The issuer of the check and their bank informed me that they were unable to do so as Chase already cashed the check and was holding the funds. In summation, over the past few months, Chase has lied to me, wasted my time, held my funds, and closed my account without giving notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/2023, two fraud accounts at Chase were opened under my name ( Checking and Credit Card ). I went to Chase branch location and they quickly closed the accounts. 


Not sure how my info go out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: I.C. System, Inc.
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
This account has taken fees out on me its an old account and I never received the actual equipment for this account and still charged. I moved recently after and tried to stop charges and service and never stopped

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