BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: COOLEY ENTERPRISES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX XXXX, XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX used car department of XXXX, Tx. This was a voluntary owner surrender of motor vehicleto lien holder Chase Financial Services Inc. where vehicle was originally purchased XXXX XXXX XXXX. As owner of XXXX XXXX I could no longer afford the monthly payments of {$490.00} per month, since retiring XXXX XXXX, and now currently drawing Social Security. Since returning vehicle to dealership, I have received numerous calls from Chase Financialservices in their unorthodox attempt at renegotiating another contract on the same vehiclefor which is totally unaffordable according to the in-house financing requirements they would have consumer expected to pay. On XXXX XXXX I received a phone call fromChase Financial Services again about XXXX yet this call was threatening and belligerent in nature from a manager within that organization. Under his terms if I did n't accept taking the XXXX back I would be subject to having my XXXX wages garnished by their dealership. I can consider this harassment and unethical practice towards consumer who no longer wants and can not afford dealing with Chase Financial Services Inc. especially after such a belligerent conversation from their management staff. As a XXXX XXXX Worth consumer and a XXXX Veteran I will certainly never do business again with Chase Financial Services. The rates for their used vehicles are tremendously over blown for any market financing, and unethical staffing does n't help theirrating in the community of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX 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 2015-06-23
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX, I closed my student checking account at a XXXX branch in XXXX NC. The person that I worked with was rude and informed me I didn't need to sign anything to close my account. In XX/XX/XXXX, I received a bill from a collection agency XXXX for an overdraft fee + transaction (that I didn't make) that supposedly happened in XX/XX/XXXX. It appeared as if my account had been reopened specifically to be charged. The reason behind my closing the account was due to monthly maintenance fees, yet they have no record of any maintenance fees prior to this supposed charge, if my account had in fact been opened my account would have been charged a maintenance fee for every month prior to this "transaction". It is my understanding that once an account is closed, a bank cannot re-open it without the account holders permission. 

  I submitted a dispute and validation request, the information provided seemed weak at best. They sent a response and XXXX statements, spanning three months, the account type is listed as an "Everyday Checking" on the final month, although it is listed as "student checking" on the prior XXXX months. With a starting balance of $0.00 for the XXXX month (which should have been negative if they were charging me a maintenance fee).  After this response, XXXX never tried contacting me again. 
  Now I have received a new attempt to collect on this "account" from Convergent Outsourcing, Inc. It is not a large amount, but I do not owe these people any money.

Of note, when I made my original claim I was told to contact you directly by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Some one stole my Identity theft and opened an account from XXXX XXXX of Georgia. This is the second collection agent trying to collect this debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Convergent Resources, 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 was paid

Complaint:
Creditor : XXXX ( i canceled service XXXX XXXX : customer service says disregard {$55.00} bill, wait for final. 2months, no final, convergent outsourcing XXXX collections XXXX contacts by phone, i say send the bill, they do, meanwhile i pay {$55.00} bill to XXXX to see if that resolves, then convergent sends {$230.00} bill, i pay that, then convergent sends bill additional for {$180.00}, i will not pay, this is fraud. Please respond. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Convergent Resources, Inc.
State: CA
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 received a legitimate-looking letter in the mail from debt collector Convergent Outsourcing , Inc . It claims that I have an account with XXXX, with a past due balance of {$190.00}. It claims to offer me a reduced balance of {$96.00}, as a one-time-only offer. 
I do not have an account with XXXX, nor do I live, or have ever lived, in a state in which XXXX offers services. I called XXXX to make sure this is not a case of identity theft, and they confirmed that I do NOT have an account with them. 
This is a case of fraud, but I am not sure if the company Convergent Outsourcing , Inc., itself is the perpetrator, or if there is another party posing as Convergent Outsourcing , Inc., to carry out this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I found out I couldnt login in to my online banking, so I tried reach customer service, but they told me there is a hold and can not tell me why and what happened. So I go down to my home branch, and I spoke to the branch manager, he said will help me find out what happened and whats going on. The same day afternoon I received a call from the branch told me that my account will expect closure and they will not able to provide any reason, and about the money that still in my checking account, they said they dont know, and said there is no number I can call or can ask when I will get my money back. Also I have a secure credit card account I put down XXXX deposit and dont know when will be refund to me. They just tell me wait for the mail. They will mail me the check but there is no date or any information. Until now no one contact me and no mail coming to my house. All my money left over its inside I dont know how to pay my bills and my rental payment, I want my money back.

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 2021-03-18
Company: EQUIFAX, INC.
State: NC
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 demand the deletion of the fraudulent account listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
they block me at every avenue even when I mailed in my request when my credit was denied they are using someone elses credit report in my info and wont give me a copy or change itt or allow me to file a dispute I seen the info at a place to get a car loan but I could not have there report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC systems inc, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. Ref # XXXX Acct XXXX attempted to collect a debt to XXXX  XXXX XXXX. I sent IC a letter dated XXXX stating this is without merit. XXXX was satisfied debt was paid in full and there was no unpaid balance of {$30.00} Asked IC to verify that debt paid in full with XXXX. Would like to attach letter and documentation. 

In XX/XX/2022 IC persisted. I wrote a letter dated XXXX to IC that " Account Validation '' was bogus. 

Have not received any communication from IC after 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 2016-12-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a account with all XXXX credit bureaus for XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off 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 explanation
Consumer complaint received 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX employer address 's on my report that are in error ... ... XXXX XXXX XXXX is my ex wife 's new address and XXXX XXXX XXXX is a misprint ... ... ..the other is listed correctly as XXXX XXXX XXXX. I also have another issue, my exwife insisted on paying all bills and controlling all money issues. She was notorious for paying late. I am being unfairly rated due to her lack of maturity in bill paying. I would like to have my scores reflect my history on bill paying since our divorce ... ... .which was about 5 years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Dyck-O'Neal, Inc.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I had a loan with Dyck O'neal Inc. that was created as part of a settlement after a short sale of my home in XXXX. I had this loan from XXXX until the autumn XXXX when I paid the loan off and closed the account. I was offered twice a year by Dyck O'neal a 15 to 20 % discount on the principal of the loan if I paid it off all at once instead of the installments. This past fall I had the money to pay off the remaining balance of about {$5000.00}. I took the offer of a 20 % discount and paid the loan off and closed the account. I learned today as I was checking my credit score in preparation for a new mortgage application that I was reported by Dyck O'neal to the credit agencies as having paid my loan off for less than the agreed upon amount. This is a negative report that has resulted in dropping my credit score over XXXX points from XXXX to XXXX. My XXXX score is XXXX, my XXXX score is XXXX and XXXX is XXXX. Dyck Oneal apparently does not report to XXXX. I called Dyck O'neal and they said they have no control over how they report to the credit agencies which I think is a lie. They also never once explained in any of the twice yearly teaser coupons offering a 15-20 % discount that it will be considered a negative on your credit. They never told me this in any conversation I had with them when I called to pay off the loan. They were all too happy to take my money. How can they say I paid the loan off for less than the agreed upon amount if they agreed to offer me a discount so I would pay it off sooner. I ca n't have paid a loan off without them agreeing to it correct? I feel this is extremely deceptive and also harmful to my financial condition because I will now have to pay a much higher interest rate on a loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

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 2021-05-18
Company: EQUIFAX, INC.
State: AZ
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Good afternoon. 

On XX/XX/XXXX I started receiving calls and letters from different collection companies trying to collect money to pay debts as result of unpaid accounts which someone else opened using my name as related with the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX without my authorization, It was the result of an Identity theft that I was a victim while I was serving XXXX as XXXX XXXX XXXX. 
The companies from where the letters came from were XXXX XXXX XXXX and XXXX. 
I took care when I found out the issue making a report with XXXX Police Department XXXX, and sending letters to all XXXX Credit Bureaus. 
I informed the companies that I 've never had relation with the mentioned address explaining the issue but them requested from me a lot of papers as copies of Social Security number, Driver License, prove of the last XXXX address where I lived, Bank Statements, etc. I considered the requested absolutely unsafe and unfair, all those papers according with them were needed to prove that I was not the one owing them money '' '' '' '' '' '' Even though in XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX where they informed me about the decision to discontinue collection efforts related with XXXX account, on XX/XX/XXXX I received again another letter and calls from a different company : Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXXThe letter again trying to collect money, it looks that XXXX company is still passing info or selling the debt company by company after almost 2 years since the incident started. 
In the attached documents you can find in page number XXXX the letter from XXXX XXXX closing the case, and in page number XXXX Convergent letter dated on XX/XX/XXXX starting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: WHEELS FINANCIAL GROUP, LLC.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, my car went missing from a parking stall. It was a XXXX XXXX. I assumed that the car was towed because I was in a tow parking spot, in which I did not have the money to pay them so I did not think twice about trying to figure out where it went. A few years later i found out that my car was taken by XXXX XXXX XXXX, which is a pay day loan place for cars. I explained to the representative that I never got a pay day loan on my car and requested documentation on the car that showed where I got my car from. The lien on the car was for rougly {$3000.00} and and they wrote off XXXX and is still reporting a balance of XXXX. All of which I do not owe because I never took a lien out on my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a Complaint with Experian as they are the only one of the 3 major reporting Companies who are continuing to illegally show information that they are required by law to remove from their report full of lies. 

They are criminals and have been doing this for years. Is anybody ever going to do something about these Criminals? EVER?

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 2015-05-20
Company: Convergent Resources, Inc.
State: NJ
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:
This collection is agency is attempting to collect a debt that is not valid nor is it owed. I have spoken to the original creditor ( XXXX ) and I was never notified of this debt nor have I received any correspondence in reference to it. I still have the XXXX account and the monthly balance due is not even equivalent to this so call debt.I have filed disputes with all XXXX credit bureaus and the collection account remains on my reports and is impacting my ability to obtain a mortgage. Neither XXXX nor the collection agency has provided me with any information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a  XXXX   XXXX   XXXX  in  XXXX   XXXX  and paid on it until till  XXXX   XXXX . I ran into financial trouble and voluntarily let the car go back. Now the loan company prestige financial has sent me a summons for the amount of  XXXX  dollars when I bought it for  XXXX  dollar. It was repo in  XXXX   XXXX  and sold to auction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian shows that I have XXXX hard pulls of my credit report by XXXX, XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16 that I did not authorize. I have not applied for any credit on those dates or within several months. I contacted the phone number supplied by Experian for the company requesting the credit reports, and that credit card company had no record of requesting any credit reports for my account. I have initiated a fraud resolution case with Experian 's " Protect My ID '', but would like the credit report pulls removed from my credit record.

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