BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX, Experian and XXXX XXXX XXXX XXXX ( XXXX ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX, Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, Experian and XXXX and I didnt give them permission to do so.

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 2022-11-11
Company: Kason Credit Corporation
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently contacted by KASON CREDIT CORPORATION in regards to an outstanding balanced owed to XXXX XXXX XXXX XXXX in the amount of {$450.00}. I was a victim of identity theft, personal identification and other sensitive information to my identity was stolen. I have filed a ID Theft Report report with the FTC regarding the issue. This debt is not mine and believe my information was wrongfully used to open the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Mediation Recovery Center
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Four times in the last 10 years, a debt collection agency has written/called to collect a debt of a person who, by marriage, had the same first and last name as me. Each of the XXXX previous agencies has ( after every excuse in the book ) finally left me alone. And then apparently sold off this issue to yet another agency. When & how do I get relief from this abuse? At no time has any of these agencies ever been able to establish that this debt is mine. But they have obtained my SSAN and lie to me, saying my SSAN was on this debt, threaten lawsuit and credit reporting, and say that since I can not prove that this debt is not mine, they will continue to attempt collection. Well guess what? If the debt is not mine, how could I possibly have any proof about the debt, one way or another?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : Bankruptcy XXXX  XXXX Reference # : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$1900.00} XX/XX/XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-04-18
Company: Dynamic Recovery Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a XXXX XXXX in XX/XX/XXXX that was taken to the emergency room by her grandmother. My name was used for some unknown reason, I was out of the state at that time on vacation. Arkansas DHS is the responsible party. The bill was and has been turned over to them, and by their statements to me resolved. XXXX XXXX XXXX is the original debt holder {$280.00}. XXXX took the account # XXXX {$280.00} dated XXXX. I disputed the claim and they sent a copy of a bill with handwritten modifications dated XXXX. I have made several disputes of this bill. XXXX XXXX XXXX now has account # XXXX for {$420.00} dated XXXX. I have disputed this. Dynamic Recovery Solutions account # XXXX {$420.00} is acting for XXXX XXXX XXXX dated XX/XX/XXXX. today I talked with XXXX XXXX at Dynamic Recovery Solutions XXXX, she said I would receive media. I do n't understand that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Amount of {$100.00} has been paid to " Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have XXXX complaints. I would like both addressed as the company has refused to address one of the complaints, which I have registered with you on two occasions. The other complaint is a new one. 
1. XXXX/AES refuses to send monthly statements for the interest. I want to pay the interest so it does n't continue to accrue. It is currently over {$3000.00} on a {$6000.00} loan. Usurious. 
2. We just received notice that the loan is being submitted to a collections company.The loan is in forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I began my full-time XXXX school program for my XXXX in late XXXX XX/XX/2009. All of my undergraduate loans except my NJ Class loans were automatically deferred due to me being a full-time student. When I called NJ Class to ask why they were still sending me bills, they said they would not automatically defer my loans and that I had to send them paperwork. I filled out the paperwork and sent it in. It took them until XXXX to actually put the deferral through. I did not pay in XXXX and XXXX XX/XX/2009 because I was a full-time student and did not have the money to pay. They marked my account delinquent, even though I sent them the paperwork to have my loans deferred. They must have taken forever to open up and process the paperwork I mailed in. They used to do the same thing to me when I mailed them checks. When I called them to work it out no one ever answered. If you do a search for NJ Class/XXXX on XXXX it becomes very clear there is something not right with their organization. 

I disputed this delinquency with XXXX I provided the necessary paperwork to prove I was a full-time student in XXXX and XXXX XX/XX/2009. They responded back that they checked with NJ Class and the delinquency was not an error. I do n't understand why they are taking NJ Class 's word for it when I have proof that I was a full-time student who was eligible for deferred status. 

If this delinquency is not removed, I will have a lower credit score than I should for two more years. I am in my XXXX and I would like to buy a home and start a family. I would also like to refinance my student loans. NJ Class 's error is going to keep costing me money in the form of higher interest rates on loans from my less-than-perfect credit score. This is the only delinquency in my credit report. I have other student loans and credit cards, and perfect payment records with all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I transferred my mortgage to Chase with a balance of XXXX. In XXXX, I lost XXXX of my XXXX jobs and i was worried that I would not be able to make my mortgage payments. I contacted Chase for assistance, I was told that the only way for them to help is if i would miss 3 payments and fall behind on my payments which I did. They offered me a loan modification. I was told that I would have to accept this offer or I would lose my home and the offer was this : My interest rate did not change. It stayed at % 5.75. which was the same rate as of XXXX 
My monthly payments went up by {$50.00}. 
My principal amount went up by the amount of missed payments. 
And My maturity date changed from XXXX, which was the the date for the 30 year fixed mortgage to XXXX I have to pay and additional XXXX years of interest ... .. 
I am asking for help to resolve this matter. The Chase bank did not help me in my time of need. They took advantage of my bad situation and threatened me to take the " loan modification '' or my home would go into " foreclosure '' and I had no choice but to take the deal. Since then I have contacted Chase to help me with this matter but they insist that what they did was correct. 
I am XXXX years old and with this modified loan I will not be able to pay off my home. I most likely be dead by XXXX..Chase bank has taken advantage of my situation and has increased my loan repayment interest by XXXX years or XXXX additional payments in the name of helping the " customer '' or loan modification. I am not able to refinance my loan with a better rate and I have lost the opportunity to get a lower mortgage rate because of their actions. 
Please help me to regain a fair chance to own my home and not to continue paying all these extra interest payments. Thank you I have not missed a payment since the recommendation was made for me to fall behind my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
Finally a credit dispute with chase bank amazon credit card is now done thanks to " cfpb ''. They have reversed all late charges and credited all fees etc. Their mistake now has dropped my credit score from excellent to good and has cost me an additional {$120.00} on my homeowners insurance policy renewal. This is ridiculous all over their initial mistake. Chase vowed to repair my credit score and withdraw the late payment " dings '' on my credit score, but again their shady business practices have left my perfect credit score ruined. These fraudulent business practices by chase XXXX of the largest banks in the country are getting old and they need to be held accountable. I demand my credit score be prepared and also demand proof that it has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: AZ
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:
I have inaccurate information on my credit report. I contacted the creditors and credit bureaus and they have not responded within the 30 day time period.

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 2021-07-27
Company: C/C Financial
State: NY
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:
Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX PREF LEASE  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CITIBANK, N.A.
State: NY
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:
Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXX BBY/CBNA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 2020-01-20
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: Account status incorrect

Complaint:
Dept ED XXXX reflects 4 times on my credit report because they are 4 different loans but it was transferred and consolidated to 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 2016-02-03
Company: Radius Global Solutions LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I signed up for fiber internet with XXXX. They delayed install 3 times and broke our contract. On the third delay, they agreed to cancel the install. This was XX/XX/XXXX. 

Soon after, I received a bill for around XXXX dollars. And soon after that calls from a collection agency. 

I cleared things up with centurylink in XX/XX/XXXX, but their credit agency just sent me a collection notice today XXXX XXXX, XXXX. 

They need to stop. At this point it 's annoying that I get punished because they ca n't keep track of their billing from one day to the next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Chrysalis Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
New Day USA is conducting a plethora of television ads. According to the ads, the spokesperson claims to be a retired Admiral who is now " chairman '' of New Day USA. The ads also say that the company is an LLC. I understand that the highest title in an LLC is " managing partner. " I believe that New Day USA is trying to convey that they are something more than what they are while taking advantage of veterans like me. 
Below, I am required to state to which part of the mortgage process is the complaint related. I am not applying for a mortgage loan. I notice the incongruity while I see the ads, and I think it 's wrong to appear as a non-profit ( chairman ) when they are only in business for profit. Given the amount of advertising they are doing, they have to be making a ton of money. That admiral ( if he really is an admiral ) should be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Financial Asset Management ( XXXX ) called me XXXX XXXX 2016 at XXXX Central time to collect on an alleged debt owed to XXXX Rental Car. I DO NOT OWE THAT DEBT! This concerned a car rental from the XXXX office in XXXX XXXX, CO at the airport XX/XX/XXXX-XX/XX/XXXX and was DISCHARGED BECAUSE THEY WERE ALREADY PAID THROUGH XXXX E-CERTIFICATES ( IN FACT, {$100.00} MORE THAN REQUIRED ). XXXX handled the dispute and credited my account since the e-certificates had paid for the rental.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Early Warning Services, LLC
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22, I was contacted by a fraudster claiming to be from XXXX XXXX. He ( XXXX XXXX indicated that my electricity would be turned off until Tuesday unless I made an immediate payment via Zelle. 

I paid {$500.00} via Zelle, but XXXX kept indicating that the payment wasn't received. He then said that I needed to pay cash via XXXX. He countered each of my objections with an answer that seemed plausible. I withdrew {$900.00} from my ATM and deposited at a XXXX kiosk in XXXX XXXX. He kept asking for more money and I realized that it was a scam. 

I immediately contacted both XXXX and XXXX. THe {$500.00} Zelle payment did in fact go through. Both institutions indicated that I could not get my money back. 

The call that I received was from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The last correspondence was about a month ago showing I owed approximately {$200.00}, how did it go from XXXX to {$3.00}, XXXX in 30 days. The bill has been paid at least four times over the past 15 years or more. I have called the hospital and clinic they supposedly were collecting money on and they have no record to me ever even owing them a bill. This was a XXXX 's XXXX claim for contracting XXXX on the job. This company has been wiping out not only my personal bank account several times, but also my wife 's personal account and my adult son 's account for a bill NOT OWED. XXXX XXXX, a XXXX, also paid the bill off for us when my wife worked for him as he'd received a garnishment. Also this company garnished her wages for the same bill when she worked at XXXX XXXX XXXX. This company took 50 % of my wages while working as a XXXX worker. My wife and I are currently on XXXX XXXX ( laid off ) and have only unemployment for income. They just wiped all all the family separate band accounts leaving us too broke to even hire an attorney to go after them! 

He has more than triple collected on a fake bill for years now. They have created a major financial hardship. 

Years ago this same company that took thousands of dollars from me for a garnishment for a {$15.00} XXXX check that bounced when we lived in XXXX. We had moved and closed out the bank account not knowing the pizza company had not cashed the check. Researching the company after the garnishments, I found the " so called '' pizza company doesn't even exist and I was charged thousands of dollars for a {$15.00} check. 

NOW HERE THEY COME AGAIN FOR FRAUDULENTLY TAKING EVERYONES MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: The J. G. Wentworth Company
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JGWenthworth is holding my escrow funds indefinitely and not paying me interest on my funds. I already paid off my loan. Furthermore, they stole {$30.00} as a last bite out of my escrow after I paid off my loan. I believe JGWentworth is violating Federal Mortgage Housing Lending regulations. They are disgracing US service men who are serving or have served their country.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my information was exposed in the XXXX data breach, its has gotten in the wrong person hand..

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 2022-11-11
Company: Credit Technologies, Inc.
State: MI
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:
Adverse information was found on this credit report, Name has been fixed, and addresses and phone numbers are correct. Falsified credit card closed from XXXX XXXX, Hard Inquiries unjustified and can not clearly explain which ones are legit. Please remove all Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Date Updated XX/XX/2022 High Balance {$630.00} Original Creditor XXXX XXXX  Past Due {$630.00} Pay Status >Collection in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation