BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Chime Financial Inc
State: FL
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 XXXX XX/XX/2022 at XXXX XXXX XXXX a charge of {$26.00} was removed from my checking account by XXXX on the same day at XXXX XXXX  XXXX another transaction by XXXX in the amount of {$540.00} was removed leaving a negative balance. At XXXX XXXX XXXX I received a text message from my bank stating a total of {$700.00} was being taken out and if I authorized it. I replied " no '' and the bank told me they were going to block and refund my money. I then immediately cancelled my card. On Sunday XX/XX/2022 the transaction went from " pending '' to accepted. I them on Monday XX/XX/XXXX at XXXX XXXX XXXX and filed another dispute. I informed them of the text message and that I had cancelled my card. The representative asked me to email a copy of the message to them and wait for a response. At XXXX of the same day I received an email back stating my dispute was denied. I immediately called them back to inquire as to why. The representative put me through to his supervisor who explained that the dispute department never opened the email and that the result was final. When I threatened legal action she agreed to put in a rebuttal and that I would have to wait an unspecified amount of time to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Diversified Consultants, 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 is not mine

Complaint:
I have previously disputed an account with diversified consultant and it has been removed and put back on with no notice. This account they have isnt even in my correct last name. I called and spoke with XXXX on XXXX/XXXX/16 at XXXX who confirmed there was different tel # s associated with this account but could not be removed. This has dropped my credit score in the midst of me trying to build it. Because of this collection I was denied to continue with a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our mortgage with The Money Source to an FHA Streamline loan. Our escrow funds balance were misappropriated. They applied the escrow balance towards the principal on the new loan and then sent us notice of a XXXX $ escrow shortage. We have been attempting to get this issue resolved for 3 months. Now they have increased our payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reached out to LVNVFUNDG and XXXX who is reporting this debt on my credit report. This is showing an open account but I have not received anything regarding this debt. I've asked for it to be validated and verified but still haven't received documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I receive a letter a few days ago saying I must update my information with the bank, I must contact my banker XXXX XXXX before XX/XX/2022 or the bank will close my account. 
I reach my banker last week XX/XX/XXXX, he said that will send me the documents to sign trough docu sign, since that date I been calling him everyday and sending emails to ask when He will send it. Until today im waiting to see and get the documents to sign. I dont want to have my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.

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 2015-07-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: PROVIDENT FUNDING ASSOCIATES
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We mailed our monthly mortgage payment to Provident Funding on XXXX XXXX. However, Provident did not cash the payment until XXXX XXXX. In the meantime, Provident assessed a late fee on our account. 
On XXXX XXXX, prior to the assessment of the late fee, I emailed Provident to find out why our payment was n't cashed. However, I did not receive a response until the late fee was imminent. 
Provident assessed the late fee on XXXX XXXX, then decided to cash our check the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Diversified Consultants, Inc.
State: NY
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 opened a XXXX account back in 2015 and I returned the phone in the 14 day return period that was allowed. I was told the account was closed and all I had to do was pay a XXXX dollar restocking fee. It appears that the XXXX store I was dealing with never processed the closing of the account properly. I do not feel I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts 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 child support Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri Div Child 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 2015-05-15
Company: Convergent Resources, Inc.
State: PA
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 call from this collection agency. The call was for " XXXX XXXX '' ( who does not live at this address ). I asked several times for the caller to identify the organization and provide a mailing address, but she did not do so. According to the Federal Trade Commission guidelines on debt collection practices, XXXX, debt collectors are required to give a mailing address and identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Check Smart has called me multiple times to remind me about a payment due on XXXX/XXXX/15. I made a verbal agreement that I would make a payment and one more on the date above. I was told that I would not receive anymore calls from them unless I broke the agreement which I have not. I feel I am being harassed by this company and I am getting annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
Equifax is reporting a collection/charge off on my credit report. I've sent them several letters asking who is the original creditor. I have not received anything telling me who is reporting this negative information. I'm not even sure this belongs to me because they will not send me information regarding this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX # XXXX, XXXX XXXX XXXX, Dept of EDXXXX # XXXX, Dept of EDXXXX # XXXX, Dept of EDXXXX # XXXX, XXXX XXXX # 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.

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 2016-04-18
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
THIS IS FRAUD. I HAVE REQUESTED VERIFICATION AND PROOF AND DISPUTED MULTIPLE TIMES. PLEASE LOOK INTO AND SEE IT IS NOT MINE AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is the absolute WORST company on planet earth. Not only are they incompetent and rude, but every time I call they just transfer me from one customer service rep or bounce me from department to department until I just give up. They acquired my loan from XXXX XXXX back in the beginning of this year. I had my account set up for automatic ACH payments with XXXX XXXX. Once Navient took over, they told me that my last payment I made to XXXX did not apply to them since they were a different company and that I was late on my loan and in collections. I explained that I paid XXXX and they told me too bad, I can go chase it down with XXXX but they would do nothing. I had to pay twice. Thereafter, they increased my payments from what I was paying with XXXX and refused to provide me with any information regarding income driven repayment. I have called countless times and they put me on hold and no one ever comes back. I have set up an online payment account with them and can not log in. When I try to log in it tells me my email address is not registered, I enter loan number and they tell me I have to call customer service. Then once again I hit a wall because no one helps me. Meanwhile, they are just destroying my credit while making it impossible for me to even make a payment when I try. This company is just awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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 dealership did not have authorization to run my credit, they have sent a letter to me providing confirmation they were in the wrong. XXXX is one of those companies, they need to delete the hard inquiry off my credit report XXXX. I tried mailing them and it was returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: C.Tech Collections, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX XXXX XXXX  XXXX by XXXX XXXXXXXX XXXX. The scan was done on XX/XX/XXXX. XXXX XXXX XXXX XXXX department sent the bill to XXXX and XXXX has paid the provider, XXXX XXXX XXXX, and XXXX XXXX XXXX sent me a bill for {$7.00} which I did pay according to XXXX. I never solicited the service of XXXX XXXX, and now I receive letters from this collection agency in spite of detailed communications sent via register mail sent XX/XX/XXXX. 
Still this collection agency has not ceased from continues abuse of sending me billing statements of unpaid amount of {$75.00}. This agency and its client refuse to accept XXXX payment and continue abuse. 
The charge by XXXX XXXXXXXX XXXX XXXXXXXX has been denied by XXXX and now it is the responsibility of XXXX XXXXXXXX XXXX XXXXXXXX to appeal to XXXX. I have paid what I owe. 
This is same as complaint ID XXXX. Submitted on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
MAS Financial claims I owe them for lapse of insurance. I have provided them with my policy from last year and this year ( renewal ) and it shows no lapse in coverage. Their machine calls me at least 4-6 times a day. When I do speak to a representative they confirmed they have received my documentation and is under review. Their machine still calls me and when I asked them about it they said it was a machine and they will take care of it. Needless to say calls are still coming is and is very annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Consumer Portfolio Services, Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have had a loan through Consumer Portfolio Services for a few years now. They have been calling at all hours as well as contacting references on the loan even when we have made arrangements for late payment ( these contacts of references have included XXXX lying to the reference saying they were seeking to hire me to gain personal info on me ). The calls never stop, they call me XXXX and XXXX  times in a row and them attempt to call my husband. Recently I have made {$2500.00} payment attempting to lower the principal but the company took {$640.00} of that and said it was because of back interest on the loan. We no longer need the vehicle and are trying to sell it to carvana but getting answers about the payoff is like pulling teeth. They are rude and threatening and it is not acceptable. I was advised to contact a Local Contractual Attorney to find out out if this contract is even legal in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Payfare International Inc.
State: AK
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/2022 my account was charged with out my consent for {$45.00}, XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX several attempts were made via XXXX XXXX and was unable to even report the the bad charge. On XX/XX/XXXX I received a reference number for this charge, XXXX then these charges without consent showed up : XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$7.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} On XX/XX/2022 I was issued another reference number in efforts to resolve these bad charges, XXXX. 
This reference number included the following two charges without consent that were still pending and not posted : XX/XX/2022 XXXX  XXXX XXXX # {$45.00} XX/XX/2022 XXXX {$35.00} On XX/XX/2022 I spent more than an hour on hold and in direct contact with the company involved, then the call was cut. I need this resolved - money was stolen from my account. I found this site to issue a complaint, and did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone fraudulently opened a credit card in my name and ordered an XXXX laptop. They had it sent to my house. I contacted XXXX right away and they said they would send me a return slip which they did and I used it and returned the laptop. The email and return slip looked legit but apparently they were n't and I sent the laptop to the perpetrator and XXXX never received it back. I sent proof of all this, which I will attach, to the credit card company ( BarClays ) but they are saying I benefitted from this and will not take it off my credit report. This is negatively affecting my credit. And I have not received one letter from them stating why they think I benefitted. I spoke to them on the phone and they said it was because XXXX did not receive the laptop back. If you can help me it would be much appreciated.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX, and Experian, have 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Additionally, I have given Experian numerous chances to fix this issue by filling a dispute. I filled a dispute on XX/XX/XXXX that were drastically different than the results that were listed on the XX/XX/XXXX dispute resolution that was deleted and or removed from my access by Experian. The results can be seen in the three images from Experian for XXXX XXXX  XXXX BANK. Experian has allowed XXXX XXXX XXXXXXXX BANK to report drastically different information based off of three change stories, to the one that I have told and showed them. 

Experian is utilizing a fictious balance from a closed and settled XXXX XXXX account to report a XXXX % revolving credit balance. They are using this information to justify a lowering of my score as part of their fico algorithm although they know ( because it is part of my credit report on their platform ) that my balance is at XXXX %. 

For their consideration I have included the changing dispute results for Indigo as well as a resolution from XXXX XXXX XXXX BANK that they both supplied additional information for and agreed to. Additionally, I have shared a picture of my XXXX XXXX resolution letter.

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 2015-07-05
Company: Convergent Resources, Inc.
State: DC
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 continued to write XXXX XXXX XXXX XXXX XXXX and Convergent Outsourcing Inc., requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of Convergent agents, telling me that they are going to report me to the XXXX were I am employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TX
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:
The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation