BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-06
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am filing this just to be on record. I recently switched from XXXX to XXXX XXXX XXXX. The reason was that XXXX coverage in my home office became very weak resulting in dropped calls and missed calls. After XXXX tech support failed to improve my signal, I indicated to them that I will switch to XXXX XXXX XXXX as coverage in my home office is critical for my business. After I thought this was agreed on, XXXX kept sending me termination fee bills. I called several times and again thought this was resolved, but then they turned it over to Convergent, a debt collection company. 

I contacted Convergent but they insisted on collecting and would n't provide escalation paths. So, I sent them a certified letter and indicated to them that I will file this with CFPB for record keeping purposes, and that is why I am doing so. 

The main concern is their lack of communication and simply insisting on collecting the termination fee without listening to my side. I am attaching a copy of the certified letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: PA
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:
XXXX : most recent certified letter of several is XX/XX/2022, and XX/XX/2022. 
They failed repeatedly to respond within 30 days. This means by law what I contest must be removed. 

All my life I have lived at XXXX XXXX XXXX, XXXX, PA XXXX All my life my phone number has been XXXX I've never worked at XXXX XXXX. Look it up. It's not a real company. 
NONE OF THE DEBT MATCHES XXXX, PA or MY PHONE NUMBER or MY EMAIL. 
Yet they repeatedly fail to update my information and insist I am someone in California delinquent on debt. I HAVE NEVER LIVED IN CALIFORNIA. I am the victim of identity theft. 

The follow 7 FALSE ACCOUNTS/ debt are not mine XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX  Yet they don't respond in 30 days, which is illegal, tell me they " verified '' the information, which is also not true, as I opted out every known data base they use. Or they pretend they can't understand what I wrote them. WHAT PART OF THIS IS NOT MY DEBT, I AM NOT THAT PERSON IN CALIFORNIA, AND BY LAW YOU MUST RESPOND IN 30 DAYS ARE THEY NOT UNDERSTANDING?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Credit card
Issue: Balance transfer

Complaint:
I accepted a 0 % interest for 12 months balance transfer offer from USAA and set up automatic withdrawals from my credit union account so that the balance would be paid within those 12 months. I ended up paying off the balance about 4 months early and attempted to cancel, without success, the remaining XXXX payments. I had a XXXX balance on that card in XXXX, yet USAA still withdrew the payment. I contacted them, they said they would cancel the remaining payments but that they would " have to put a ticket in ''. On XXXX XXXX, they again took money from my credit union account when I had a XXXX credit. I contacted them again and requested that they replace the money into my credit union account and they said they were unable to do that. I will be contacting my credit union today to request that USAA no longer be able to withdraw funds from my account.

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 2023-02-01
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor.

This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX : most recent certified letter of several is XX/XX/2022, and XX/XX/2022. 
They failed repeatedly to respond within 30 days. This means by law what I contest must be removed. 

All my life I have lived at XXXX XXXX XXXX, XXXX, PA XXXX All my life my phone number has been XXXX I've never worked at XXXX XXXX. Look it up. It's not a real company. 
NONE OF THE DEBT MATCHES XXXX, PA or MY PHONE NUMBER or MY EMAIL. 
Yet they repeatedly fail to update my information and insist I am someone in California delinquent on debt. I HAVE NEVER LIVED IN CALIFORNIA. I am the victim of identity theft. 

The follow 7 FALSE ACCOUNTS/ debt are not mine XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX  Yet they don't respond in 30 days, which is illegal, tell me they " verified '' the information, which is also not true, as I opted out every known data base they use. Or they pretend they can't understand what I wrote them. WHAT PART OF THIS IS NOT MY DEBT, I AM NOT THAT PERSON IN CALIFORNIA, AND BY LAW YOU MUST RESPOND IN 30 DAYS ARE THEY NOT UNDERSTANDING?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a 30 day payoff statement from my loan company to refinance with another company. They initially told me it would take 48 hours to appear, and when I didnt get it, I called back. The gentleman told me it can take up to 3 business days and to keep waiting. Several days later, I called again and a woman informed me it actually takes 10-14 business days ( which seems insane but fine ). After anxiously waiting without ever receiving the document, I finally I called on the 17th business day and was basically told that someone would look into it, and that she would send a 2nd request just in case. My first loan payment is now past due, my refinance application with the other company expires in 5 days, and this payoff statement ( whenever I do get it ) actually expires in 4 days. Meanwhile, the loan company continues to accrue significant amounts of interest with every day this is delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to Chase. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. Chase sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
took out loan with td bank. signed up for intellipayment at dealership- they have harassed us about being late when its auto deducted. we finally resolved the issue with them after many complaints. they took what they claim to be 2 week late half payment and made is sign letter stating a FULL payment will be added to end of loan. this is ripping us off of a half a payment but to stop the harassing calls, letters and ruining my credit when I have never paid late we agreed. now over a month later they are claiming again that we are late a month and owe a month plus XXXX $ and late charged. the payment is auto deducted every 2 weeks and have proof of every payment. I will not pay any more than I am required to and it is not fair they are trying to scam all this money from us. it can not be late when it is auto deducted from the bank account every 2 weeks according to the payment schedule. I can provide statements showing this! I want something done about this company- they resolved the issue then came back with the same issue all over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2022, I was looking at my Chase app on my phone and noticed that the purchases XXXX was different from the last time I checked. That rate had increased unexpectedly, and I know that that rate was also higher than what I had previously known. I looked through all of my emails from Chase and failed to find any kind of notice that my interest rate was changing. 

On XX/XX/2022, I reached out to Chase customer support to ask why the rate had increased without the XXXX advance notice and was told they could not explain why I never received it. They ensured that I was properly set up to receive all notices from Chase and they were unsure why I had not for this particular instance. 

I was transferred to a supervisor because I was asking to understand why this happened and if there was anything they could do to remedy the situation. The supervisor then went on to explain that the XXXX is variable and tied to the prime rate, which according to them " changes daily, '' meaning Chase would never be able to give a XXXX advance notice, nor do they need to, and there was nothing they could do about it. When I asked the supervisor to expand on that, letting them know that I understood that the prime rate only changes if the Fed decides to when they meet every XXXX, they rephrased their statement from changing daily to changing from time-to-time. 

I explained to the supervisor that I had a good understanding of how rates work and that it is my right to receive a XXXX advance notice of any interest rate changes. I told them that I was not interested in being told misinformation and that I understand banks do whatever they can to make more money, but that Chase should have the digital infrastructure to keep up with these notices that they are required to issue. The supervisor was unhelpful and uncooperative with the situation ; all I was asking for was to understand why I didn't receive the notice I have a right to, and what can be done to remedy the situation. 

For reference, my interest rate at some point in 2022 was 23.99 % and has since been increased to 25.99 % and subsequently to 26.74 %. I utilize multiple Chase products and it seems like they will do anything to treat their customers unfairly and take advantage of the fact that people XXXX not notice these things and know that nothing will done to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My husband who was a XXXX used my credit card to buy a part. And then lost his job. So the CC came last on the list. I was a XXXX card with an available balance of of XXXX. I have had this dispute since XXXX 2014 which is past the 30 days. Now 14 months later I am trying to buy my first home. I have called to try resolve this but they are not will to come off of the fees and added charges. I do not think I should have pay all profit they are gaining from this bill

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Senex Services Corp.
State: NJ
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 've disputed this debt with Senex Services and the credit bureaus but Senex continues to verify the debt as mine when in fact it is n't. I requested them to validate the date which they have yet to do and to report a debt that is being disputed before the completion of a thorough and fair investigation is a violation of the FDCPA and FCRA. 
Duly noted as I request assistance from the CFPB in helping me resolve this matter correctly and fairly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, INC.
State: NV
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:
medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid XXXX  Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid Transunion Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}

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 2015-11-26
Company: Weber & Olcese, PLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was not given any notice prior to Webber Oclese seizing {$1800.00} from my bank account on XXXX. They admitted to not having my contact info?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My auto insurance with XXXX XXXX ended when I sold my car back in XXXX of XXXX as it was undrivable after I was hit in an accident. I called and informed XXXX XXXX and they continued to bill me thereafter. I bought a new car on XX/XX/XXXX, in which I acquired XXXX XXXX. My insurance premium was paid up to date with XXXX prior to cancelling with them. XXXX XXXX has unlawfully put me into collections for {$260.00} in which is the amount for 2 months after I sold my old car and informed them. I disputed this through XXXX XXXX and they never removed it. 

Please assist.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Exeter Finance Corp.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Exeter Financial Service is trying to collect a debt on credit account I dispute the debt and ask if The promise note can be sent to me I havnt been sent anything This is a violation Please remove Exeter Financial off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Target customer services misrepresented the amount that I owed on my Target credit card. This resulted in a late payment with fees and interest. I paid the entire balance less the fees. Target continued to bill me late fees in addition to more late fees. After further attempts to resolve issue I wrote a memo informing Target that this issue is in dispute and the original late payment was a result of misinformation provided by Target employees. Target has apparently reported this to credit agencies. Your help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: Avant Holding Company, Inc.
State: IL
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:
Hello, I was harassed everyday by this company. They have bad reviews on the XXXX and their rating is a 1.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 
This was breached!! 

I was harassed day and night by this creditor 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was violated!!! I was stressed out and scared of what they would do to me in court and too my credit! 

This debt was paid already to which i am not legally obligated to this debt. They bought the loan from Avant which means the debt was paid for. 
This a violation of Title 15 USC!!

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 This was violated!!!

The law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend on pursuing litigation in this matter suing XXXXXXXX XXXX XXXX for actual damages sustained. 

I am the consumer which means if these laws are violated that is {$1000.00} per violation which equals {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: WLCC
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I Advised arrowhead advance to not call my at my place of employment. They continue to call it time after time and argue with me on the calls when I advise them not to call me. It harassment and I can get fired for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle from a dealer, XXXX XXXX in XXXX, VA, on XXXX/XXXX/XXXX ( XXXX XXXX XXXX ). I was in a rush to purchase a car after my auto ( XXXX XXXX XXXX ) was stolen outside of my apartment complex in XXXX on XXXX/XXXX/XXXX. The financing was taken care of at the dealer, and TD Finance was the lender. Two months later I realized that the rate on the loan was not very favorable so I decided to " re-finance '' with my employeer, XXXX XXXX XXXX. I entered into a contract with XXXX XXXX XXXX on XXXX/XXXX/XXXX and was told that while the rate was less, I would have to come up with {$750.00} as they would not re-finance the amount owed given their lending parameters. Doing the math, I still came out ahead so I sent in the funds to TD Bank, showed proof to XXXX XXXX XXXX, and the loan was established. Several months later, I notice I am still getting statements from TD Bank stating that I owe a balance of roughly {$980.00}. When I called TD bank to inquire, I was told that XXXX XXXX XXXX never received an authorized " payoff '' amount from them ( according to their records ) and I owe that amount plus any interest. I called XXXX XXXX XXXX and they said the got the payoff amount from TD Bank. The XXXX institutions are now pointing the finger at eachother and both are saying I need to come out of pocket with the funds.

Company response to consumer: Closed with explanation