BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: Duncan Solutions, lnc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from Professional Account Management , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. The notice pertains to a NJ XXXX XXXX  toll that on a vehicle that had XXXX XXXX. NJ was promptly notified in the manner specified on its communication. Therefore, the toll was paid. 

In response to the notice from Professional Account Management I called the number on the notice to dispute the claim. It appears that this is a non-working number. I have been on hold for over an hour. There is no other way to dispute the alleged debt ( {$54.00} ). A collection company is not be permitted to use an unattended phone number to receive dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by credence saying that I owed them XXXX for an XXXX bill. I told them I could do a payment plan and they were trying to get me to pay a lump sum- this was in XXXX. I told them I would call back in XXXX when I could make the 1st payment since they were so adamant on a lump sum. I forgot I had already given them my bank information. When I got paid in XXXX I called on the XXXX and scheduled a payment arrangement for {$70.00} that day and {$100.00} on the XXXX of every month until XXXX. No one informed me that they had already charged my card that day for {$100.00} and proceeding to charge me again. I realized what happened after getting off the phone with them and checking my bank account. When I called back they informed me I had one payment arrangement scheduled for the XXXX of every month and 1 for the XXXX I told them they needed to refund my {$100.00} and cancel one of the payment arrangements. They said they sent me a notice in the mail but I did not receive this notice until the XXXX of XXXX. Which is way after they debit my account. Further the notice was dated only 2 days before they withdrew the money which means it was not sent out the day it was printed. They said I wouldnt get my money back until 22 business days after it was processed. I told them that was unacceptable and they said I should just leave it as an extra payment or payment for XXXX. I told them that could not happen because they were leaving me without funds. They said no later than 22 days. Yesterday I called back to see if the refund process had begun and they told me 15 days before the refund process begins and 22 days before I even see any result. They are holding my money hostage. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX  removed an erroneous XXXX XXXX from their records. Credit bureaus are still reporting the incorrect information after submitting several disputes.

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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23, I noticed several charges in my chase checking account that I did not make. I called the fraud department and began to file three separate claims. The one Im referring to was a XXXX $ charge for a company called XXXX XXXX a shoe companyI definitely DID NOT MAKE THE CHARGE..I was asleep when it happened, no one else had my debit card number, but obviously some hacker or identity thieves had my new debit card number or account numbers to be able to make the initial purchases.. Chase said they would stop payment since everything was pending and credit back all of the claims I filed, totaling about XXXX XXXX I had just opened the account and had only had my debit card for about a week or soso after the claims are filed, a new debit card is sent out, etc, I got credits back from chase in the amount for each fraudulent charge.. and tonight XX/XX/23, I check my checking account via the chase app and notice a CLAIM REVERSAL IN THE AMOUNT OF XXXX $!!!! Im not sure what is going on but this is ridiculous!! I never made any purchases for XXXX XXXX, but now chase is taking that same money they gave me back!! I did recently purchase XXXXXXXX XXXX XXXXXXXX shoes for my son, which he paid for, I deposited money ( which there is proof of ) and shortly after depositing I ordered his shoes for school! So idk how claims work, but it appears that chase is leaping to a conclusion that because I ordered expensive shoes similarly to the fraudulent charge, that I must have submitted a false claim???? WHICH IS NOT TRUE!! Im just absolutely disgusted by this entire process..I have XXXX children, Im a XXXX at a local restaurant, I decided to bank with chase because its very close to my new work and was convenient for me to do nightly cash deposits after workbut since this has happened, I transferred all but a small amount to my old bank, whom I never had not one issue with in 4 years of being a customerTwo weeks with chase and theres fraudulent activity and then this? Excuse my language but this is absolutely XXXX  I have screen shots of the original fraudulent charges and the reversal made tonight.. and of ATM deposit of cash and then ordering my sons shoes..this is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear CFPB, First of all thank you for always being helpful to the consumers. 
I had purchased an XXXX  package from XXXX and unbeknownst to me they registered themselves as the registered agent and took the payment, when I realized they had done this I immediately called to cancel any Autopay including the one for the registered agent service. I thought the matter had been resolved. Without any advance phone calls, letters or notice, I received a threatening letter from their collection agency Caine and Weiner, XXXX XXXX reference # XXXX. I called XXXX XXXX  and they asked me to call CA state of Secretary and prove that the auto payments were cancelled, I tried calling and emailing them but got no response, I also emailed the law firm asking for the person who was in charge of sending the letter, their license number etc. I again received an email today demanding the XXXX dollar annual autopay XXXX XXXX keeps/kept billing without my knowledge and did not even send me a letter or phone call before referring to collections and threatening to damage our credit, This is highly unethical, illegal and slyly charging autopayments without our knowledge and then sending to collections without any attempt to first resolve or clarify what happened. Please help as this is threatening and harassment from XXXX XXXX  and Caine and Weiner Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, Transunion, and XXXX must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to them

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2020-04-15
Company: Veripro Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed chapter XXXX bankruptcy in XXXX. The bankruptcy included all my debts including my 1st and a 2nd mortgage. During that time, I decided to keep my home and continue making payments on my 1st mortgage. Last year in XXXX I tried to refinance my home I couldnt because there was a lien on my property by Veripro Solutions. This lien was for the 2nd mortgage that was forgiven by my bankruptcy. I contacted Veripro Solutions and we negotiated a pay off of {$24000.00}. At that time, I was not able to obtain a loan because of the lack of equity. Recently I have tried again to obtain a loan because I have more equity. I now have a finance company willing to work with me, however Veripro Solutions says I now owe {$45000.00}. I dont understand how they came up with this pay off. During this pandemic I need to refinance my loan due to financial circumstances and Veripro Solutions is taking advantage and is bullying consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Sold my house in foreclosure without my notice and returning my payment in XXXX XXXX and XXXX for XXXX XXXX each check before foreclosure 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 2023-08-21
Company: PENTAGON FEDERAL CREDIT UNION
State: KS
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: Problem with personal statement of dispute

Complaint:
Company Response Trade : XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM.. XXXX : PENTAGON FEDERAL CRE XXXXXXXX XXXX THAT THIS ITEM BELONGS TO YOU. 

XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 
Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES : NO!

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 2018-05-03
Company: DISCOVER BANK
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/XXXX, My concern is Loan issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan amount {$3.00}, XXXX ; had original balance {$15000.00}, to lower existing monthly payments and increase the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The loan rate increases and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with transunion to help delete all invalid data on my credit. checking my file all of the information Is hindering my credit report needs to be removed. please review an delete the info filed to correct all inaccurate information that is incorrect on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # - XXXX Balance- {$16.00} Balance updated-XXXX  XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX  XXXX Past due amount- {$12.00} Highest balanceXXXX XXXX XXXX  Monthly payment -- Last payment date-XXXX  XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone number-XXXX ) XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Chime Financial Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 try close my credit account. On XX/XX/2023 alliance insurance company refund it {$120.00} to my closed account. I've been called the time ever since the XXXX of last month trying to see when they are going to send me a closure check. I have been on the phone with them every day, waiting on an email ; still haven't got an update on anything that is going on with my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
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:
THE DISPUTED ACCOUNT ON THE REPORT IS AN ACCOUNT THAT HAS BEEN PAID IN A SETTLEMENT AGREED BETWEEN ME AND THE COMPANY. SINCE THE ACCOUNT HAS BEEN CLOSED AND SETTLED, I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF MY CREDIT FILE. IT HAS BEEN TARNISHING MY CREDIT AND I AM IN DISTRESSED THAT IT HAS BEEN HOLDING ME BACK FROM ACQUIRING NEW CREDIT. PLEASE HONOR MY REQUEST AND HAVE THIS ACCOUNT REMOVED OF THE CREDIT.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Convergent Resources, Inc.
State: LA
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 receive a notice from my credit reporting account about a negative item inwhich is reporting inaccurate information from XXXX XXXX XXXX XXXX  so i sent them a letter to validate and send the information that i requested bearing my signature on XX/XX/2020 and hasn't heard from them yet

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am submitting a complaint in regards to my XXXX account that is held by XXXX  XXXX  Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with XXXX and no account number. I had to pay this card via XXXX XXXX XXXX Well in XXXX when they closed down the website went down as well. I contacted XXXX  back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 XXXX called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor XXXX my request XXXX what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from XXXX be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.

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