BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: I.C. System, Inc.
State: AZ
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:
I contacted XXXX to inquire about lowering my monthly bill. They suggested I do automatic withdrawal. I decided against having it automatically deducted so I did nothing. I continued to make my payments on the first of the month ( 2 weeks before they were due ). Six months later I decided to change service providers and was told that since I had inquired about automatic deduction ( which I did n't ) I had entered into a new contract and there was a cancellation fee of {$150.00}. I signed nothing, simply inquired about lowering my monthly bill since I am on a fixed income. I either pay or my credit rating is affected.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-07-22
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested an appraisal from Flagstar Bank, my mortgage company on my primary residence, in order to ( almost certainly ) eliminate the Private Mortgage Insurance of nearly {$200.00} per month from our mortgage. They indicated in a letter dated XXXX XXXX, 2015 that this would cost {$420.00} through their appraisal serviceXXXX. I sent the request and a check for {$420.00} back to Flagstar, which Flagstar cashed on XXXX XXXX, 2015. After no contact from them, or the appraiser for nearly 2 weeks, I called Flagstar only to be told that cost was now {$670.00} They tried to say that perhaps I had a rural property ( I do not XXXX Colorado ) and thus the reason for the inrease. They then tried to say that when I called XXXX PRIOR to their sending a letter saying it would cost {$420.00} ), that I should have been told it could be more. I told them it did n't matter ; they sent a letter with the price, I sent a check that they cashed, all within less than 3 weeks time of the letter 's date. This constitutes a contract in the state of Colorado. They have refused to do the appraisal at the {$420.00} price and said they would refund my check. I told them I do n't want the check ; since I HAVE to use their appraiser, they have me cornered. They have since refused to do the appraisal. Even if I agree to pay the extra amount ( which I will NOT ), they are only delaying the inevitable and I am out {$200.00} every month they delay as I continue to pay PMI in one of the HOTTEST housing markets in the country, XXXX, Colorado. I am 100 % certain that an appraisal at the time I sent the check would have resulted in a PMI reduction starting with our XXXX XXXX, 2015 mortgage payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to paid XXXX XXXX XXXX and open a new account I had a {$57.00} balance on my account with XXXX XXXX XXXX ; I had XXXX XXXX XXXX for about two years ago. I had stopped the service for a while and then started back up, but they said I needed to pay the {$57.00}. I paid it directly to XXXX XXXX XXXX, but I was still getting notices from I.C. System Inc. saying that I owed this amount. This information was removed from XXXX, but not from 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 2016-09-21
Company: I.C. System, Inc.
State: GA
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:
I have notified IC Systems that this debt is not mine on several occasions. I have asked them to remove this account from my credit file since this account was open as a result of identity theft. To date, IC Systems have not removed this account from my credit file. I need your assistance in getting this matter resolved.

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 2015-03-25
Company: The Regional Adjustment Bureau, Incorporated
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Sold a XXXX XXXX gift card ( {$380.00} balance ) on eBay on XXXX/XXXX/XXXX. Buyer paid through online payment service PayPal XXXX. 

A few days later the buyer claims that purchase was " unauthorized '' even though the gift card was used ( balance now ZERO ). Buyer filed claim with eBay and case was closed in my favor less than 1 day after I submitted proper documents to reflect that the gift card was indeed used. Initially PayPal had the hold on my account for the transaction amount but released the funds once eBay closed the buyer 's dispute case. 

Nearly three months ( XXXX/XXXX/XXXX ) later the buyer decided to open a dispute with PayPal claiming the same " unauthorized '' purchase nonsense. Basically the buyer is stating that BOTH his eBay account and his PayPal account were hacked at the same time on the same day for the same transaction. 

I submitted the exact same proof/documents to PayPal as I had to eBay 3 months earlier with proof showing that the buyer received the gift card and evidence ( copy of XXXX XXXX purchase receipt showing when and where the gift card was used in store ). Without any valid reason, PayPal decided to side with the buyer and his financial institute, for no justified reason other than not wanting to go against the banks which PayPal would not exist without. 

PayPal is notorious for siding with the buyer in almost every single case of this nature. Basically I was out of the gift card ( already been used ) and the buyer was returned his money. This is completely unjust and unfair and I have filed complaints with the BBB and the Nebraska Attorney General ( where PayPal operates business from ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On or about XXXX, 2016 I noticed that a XXXX XXXX 's XXXX bill had appeared on my XXXX credit file. I requested that this company validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now IC Systems collection is coming after me. I have continued to request that they validate this debt and they continue to allow this to report on my credit file.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX ) along with the Police Report I have filed on my local Police Department. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

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 2022-10-01
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXXXXXXXXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX 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
Consumer complaint received 2016-01-30
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I co-signed on this vehicle, this case went to court in front of a judge and he adjured for this case to be dismissed. Ford Motor Credit 4 years after keeps reporting current late monthly payments after this was ordered to be dismissed by a judge. I need these folks to be told that this is illegal and they can not be doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trident Asset Managment Company XXXX XXXX XXXX, XXXX, XXXX XXXX. Has placed a collection account on my credit report for an outstanding electric bill at a service location XXXX XXXX XXXX XXXX XXXX. I have never lived at nor had electric service at this address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX, Amount {$2100.00} has violated my rights. 

15 U.S. Code 1681 states 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. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I called the Navy Exchange customer service today to remove an authorized user from my account. I was told by a customer service representative and their supervisor to call back in 48 hours to remove the authorized user from my account, giving the person I am revoking authorization an additional 48 hours to make purchases that as of today I no longer authorize. They sited " system limitations '' as the reason I can not remove an authorized user from the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a verification request to the debt collection agency and they failed to verify the debt within 30 days, therefore violating the law. they only sent me a new bill requesting I make payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: Financial Credit Service, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company made a robotic call indicating they were calling about a package delivery and asked me to press XXXX '. I pressed XXXX ' and learned that they were trying to get in touch with a former friend with whom I have not spoken in several years. I explained this to them and asked them to remove my number from their records. She said that she would not this since it is listed as the number for " the defendant ''. I asked her for her company 's info and she hung up on me. I had to call back XXXX additional times to get the information. XXXX XXXX yelled at me repeatedly and told me she would be contacting " counsel '' about this. When I asked for name/contact info for this individual, she refused. I am sending them a cease & desist order, the representative told me that would not stop them from continued calls to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Brown and Joseph, Ltd
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our XXXX company is being harassed by Brown & Joseph , LTD to pay liability insurance costs that have already been paid. Their client failed to initially contact us regarding the matter, but instead contacted our insurance agent 's assistant via email. That person retired, so the emails were n't being read. We never were contacted about the problem, until it was turned over to this collection agency, Brown & Joseph, LTD ; and then that contact was not to us but rather the insurance agent who was overseeing the assistant who retired. In fact, we never received any correspondence until we complained of not being personally contacted. Joseph & Brown, LTD has refused to give us a sufficient explanation/ evidence as to why we owe their client additional money, even though we have asked. We have given them all the documentation they have asked for, but they refuse to send us a breakdown/evidence as to why we owe this money. We are willing to pay what we owe, but only what we owe, if we are given the proper reason/breakdown/evidence as to why we owe the ADDITIONAL money. The representative for this company has used threatening language and tone ( going to go to court, etc. ) and even hung up the phone on my husband twice. The tactics and lack of initial communication regarding this matter is shameful.

Company response to consumer: Closed
Consumer complaint received 2016-05-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Walmart credit card under the impression that I was to receive a {$25.00} credit on my first statement. Which I did n't. I returned a item and paid the difference at the store so I could inquire about my issue. I was told to call Walmart credit card directly and was instructed to pay my balance and the credit will show on my next statement. Which id did n't. I called again and was told that my {$25.00} would not show till my 3rd billing cycle. That was not told to me and I feel that I was mislead my Walmart about the {$25.00} credit. I alo asked the Walmart associate over the phone if I were to cancel this card would it affect my credit score which he said it would. I feel like the employyes and Walmart should better inform costumers when applying for this credit card. I want to cancel the card but do n't want my credit score to being negatively affected.

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 2016-09-19
Company: Pinnacle Credit Services, LLC
State: NJ
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:
Unknown XXXX account stating I owe {$540.00} I requested proof and disputed noting received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I opened up a store credit card at Old Navy which uses Synchrony Bank for their cards, I feel that they intentionally held my check which was sent easily before the due date in XXXX 2016 for the full balance of {$27.00}, in order to charge late fees and now interest on top of late fees, ... since this happened in XXXX 2016, they continue to add late fees every single month on top of interest charges, and I refuse to pay this since I paid for all the items I purchased at the store in full. If you look at my credit report, you will see that I have never really ever paid interest on credit cards for the last twenty years of my credit history, since I pay them off every month in full, and so it is clear that this is a blatant effort on the part of Synchrony Bank to try to profit even further from my credit account ( and probably other consumers too ), this is an egregious and predatory practice that needs to stop! My credit rating should not be affected by the credit law violations of this lender. Now it appears that they want XXXX dollars from me just for late fees and interest charges, when I paid for all the merchandise from the store in full, and on time.. I even attempted to go in to the store to make a payment, but the Old Navy store reps stated they do not accept credit payments there, so I just waited for my card statement to arrive by mail, and then sent it in on time ( even though by the time I received the balance due statement by mail it was very, VERY close to the due date- another predatory practice ), I feel that they hung on to my check I sent to them just long enough to be able to charge late fees, which I absolutely and unequivocally refuse to pay. I tried contacting customer service about this on several occasions, they would not remove the charges, and on two different calls with them they proceeded to give me two separate numbers to contact for dispute resolution ( XXXX the first time, and the 2nd time the number given was XXXX, ..but if you were to try calling these, both of these numbers are not valid or working numbers which further shows what kind of lender this is. ) Attached are copies of my payments in full and the statements they send showing erroneous late fees and interest. Thank you for the help in this matter.

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 monetary relief