BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Convergent Outsourcing , Inc for committing fraud and identity theft. I have never contracted with Convergent Outsourcing , Inc and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud and unlawful extortionate activities by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Convergent Outsourcing XXXX Inc have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Convergent Outsourcing, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Convergent Outsourcing , Inc continues its collection efforts, I will file for litigation for actual damages caused, and Convergent Outsourcing, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2019-09-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Heartland payment systems began charging me more than an additional {$120.00} per month on my credit card processing services. We had an agreement at $ XXXX/mo which soon turned into {$95.00}, then as of XXXX became {$220.00}, no, they have charged me this for 5 months, totaling over {$620.00}. They claim this is because I did not take a " survey '' I have spoke to my representative from heartland, after a year and a half, he tells me, well you didnt get the notification, because we had the wrong email address on file. So now i have {$620.00} tied up, my rep cant get my money refunded, and they are still charging me monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2021-03-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank purposely arrange what they pay first, Bank fees are extremely excessive.They charge you a fee if you transfer money from your savings to your checking account. I refuse to clear up both of my checking account that will close soon because of excessive bank fees. In my business checking I have {$37.00} fee per day and they havent paid not one of my charges. I spoke with the XXXX XXXX ( XXXX XXXX, GA location ) and was informed that this bank paid the transactions thats why I had the overdraft fee which wasnt true. This has happened twice so you end up paying both the company that you wrote the check to and all of the excessive bank fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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 Account # XXXX, has 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

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 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a XXXX XXXX XXXX store credit card that is issued and managed by CapitalOne. I have receiving alerts ( nightly ) for months which state that I have been locked out of my account, when I have made no attempt to log in. I have spoken to XXXX XXXX XXXX representatives who have passed me onto CapitalOne. I have spoken to CapitalOne representatives who have advised me NOT to log into my account while they attempt to resolve the issue. It has been an on-going issue for several months and it has not been resolved. I have been promised call-backs and have not received any calls back. I was advised that they were going to have their IT Dept delete my user ID ( aka " scrub '' by account ) in order to resolve the issue but that has not been done. I am very fearful that someone is attempting to hack into my account and will ( or may already ) have accessed personal security information which puts by identity at risk. CapitalOne has been given ample time to resolve this issue and has failed to protect my identity or properly service this complaint. I am now turning to US authorities for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My previous spousal consolidation loan servicer gave me bad information and made recommendations that have cost us XXXX XXXX XXXX of dollars in compounded interest. I was given bad information about my eligibility for PSLF as the holder of a spousal consolidation loan. Initially, we were encouraged to join the income-based plan because we were told we were eligible for PSLF. This was not true.

At the point where I thought we would have been eligible for forgiveness, I was then told that only payments made while both my spouse and myself were both employed full-time in public service could count towards forgiveness. So we were told to remain in the income-based program. This also was not true.

When I again tried to apply for PSLF, I was told that we did not have an eligible loan type and that my servicer was not participating in the PSLF program. I was told my loan would be sent to another servicer who was participating. Now Navient is my loan servicer. They have provided the same bad information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent several letters asking this center to validate the debt but they simply ignored my correspondence. Also i tried to dispute with XXXX  but XXXX  doesn't bother to reinvestigate, they asked me to supply them with more documents!!! how i can prove something that does not exist!??? they claim this bill exist, so they should validate it for me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
So I received a call from XXXX they said I had a debt of XXXX dollars back in 2013. I was barely XXXX at the time so that isn't even possible, they claim it was with Wells Fargo I have never banked with them before. They stated that they have been trying to reach me via mail communications, I have never received anything about this. Originally I would pay no attention to this however they somehow pulled my credit report I have no idea how because the SSN they gave me wasn't even correct. They told me to call back at this number XXXX when I looked it up it was a company called the XXXX XXXX  based off of California. It looks fake because it has 1 review 5 stars and the website looks like they just threw it together last minute very poorly built with zero info about the company itself. They threatened to garnish my pay wages, repo my car and damage my credit. I believe this to be fake I just don't know how they pulled my credit.They claim that I owe a debt to Wells Fargo when I called Wells Fargo they said I have never banked with them before they could not find me in their 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 explanation
Consumer complaint received 2023-12-13
Company: Avid Acceptance, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have tried several times for the life of this loan to gain access to a billing statement with AVID ACCEPTANCT. I never receive one. Anytime I have asked an employee to fix it so that I get a copy of a bill sent to me monthly, they recap my address and do nothing else. Even after several failed attempts at asking for help in gain access to my account information via a billing statement, I still never received one. I have not received a billing statement for the past 1.5 years. 

I can never seem to gain access to my account via their web address. Even if I change the password it still doesn't work. I always have to pay my bill by bypassing gaining access to my account and entering an account number and the amount due in hopes that its posted to my account. I can not see if it has been posted to my account because I don't have access to their website and I NEVER receive a bill. 

As a consumer I should be able to have access to : 1. How much my payment is for 2. How much of my payment is paid in interest 3. How much of my payment is paid to principle 4. How much is left on my loan to pay it off. 

The financial company is extremely annoying and does not abide by CFPB laws.

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 2023-07-06
Company: EQUIFAX, INC.
State: PA
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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Truist Bank in XXXX, SC cashed thirteen forged checks on XXXX, XXXX  totaling {$6100.00} from my checking account. Then they cashed another one for {$3400.00} on XX/XX/2022, putting my acct into overdraft ( which I had never used before ). It was obvious that the signatures on the checks were not mine. The checks were very old BB & T checks stolen from a closed compartment in my locked car in my driveway of my house on my property during the night, along with several neighbors who were also robbed. I went to bank and reported the problem XX/XX/2022 after I saw my bank statement. I filed a police report with XXXX Police the same day. I was reassured by the bank employee that I would be reimbursed, but it might take some time. 
The police detective became frustrated with the bank for not cooperating with their investigation and subpoenaed the bank. On XX/XX/2022 I received a letter from Truist Fraud Claims saying that because of my negligence in safeguarding my checks, Truist denies my claims for reimbursement. I asked for a review and received the same denial letter XX/XX/2022. Truist said they were trying to recover my funds, then later said they could not because the thief used a XXXX XXXX They denied responsibility for not recognizing forged signature and cashing all 14 checks because of the XXXX XXXX also. 
Now I am told that they can not recover the funds or trace the money. But I can wait 180 days and see if something comes up! 
Bank manager at Truist said they often deny claims because their guidelines are different from other banks. Police detective said he has never seen a bank deny reimbursement on an obvious fraud claim. {$9500.00} is a lot of money and more than I had in my account. I am now having to make payments on the overdraft account! 
Please help me. I am XXXX years old with an adopted XXXX year old, retired, living on my social security and dwindling savings.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
After receiving an email and a letter in the mail that stated that they werent able to grant my request to open a deposit account with them, I called the Bank in question. I told them I havent applied for anything and after researching it they told me that on XX/XX/22, someone had applied for a checking account using my information. I confirmed that this was not me and they said they will be turning it over to their fraud department and advised that I file the complaint here as well.

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 2021-02-23
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was enrolled into credit protection for this account without my permission. Upon trying to cancel it they tell me they can't see it and to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: NAVY FEDERAL CREDIT UNION
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:
Transactions : {$1300.00} : XXXX XXXX XXXX XXXX XXXX$1500.00} : XXXX XXXX XXXX {$500.00} : XXXX XXXX XXXX Paid {$1300.00} deposit for moving agency to move my things that in contract states it will go towards the move. The moving agency used third party movers which was not explained to me. The movers were rude, late, and did not move all my items resulting in me having to dispose of my property. The movers told me I owed more for the move than what was initially agreed on which did not make sense because they left items. The mover had me sign a paper and stated I could pay once I resolved my issue with agent about discount for move. Once the moving agency received payment I rarely herd back from them in regards to anything I called for a week and there was no response or resolution. The second week the movers call me threatening to sell my property unless they received a payment. Their contract clearly stated no payment should be made if youre in a dispute process which I was. I explained and sent a picture of contract. The movers could care less. The movers were rude and when I would call would ignore it but send me a text. They argued with me through text after business hours. I was given XXXX to pay them XXXX dollars book a flight to XXXX, get a uhual and move my things myself, mind you XXXX in south Florida XXXX I asked about the XXXX going towards the XXXX and she said no although it states in the contract it does. At this point I was forced into paying the ransom in order to get my things. I paid XXXX for a move that did not happen and still had to pay for a flight, uhual and gas XXXX XXXX my stuff all the way down FL which was close to an additional XXXX. I understand that contract say non- refundable however the service was never completed so now it is considered fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I purchased a check ( drawn on 5/3rd ) from my neighbors girlfriend who XXXX XXXX for a living. She is aXX/XX/XXXX XXXX  to the United States and regularly uses a check cashing service. However, her I.D . is expired and she did not want to go to the DMV during COVID-19 so I purchased her paycheck ( written on a personal check w/XXXX  pay in the memo line ) from her. However, when I presented it to 5/3rd on two separate occasions it was met with wrongful dishonor. Dishonor was wrongful because they refused to even check whether the drawer had sufficient funds or had entered a stop payment order. Accordingly, 5/3rd committed a tort against its client/the drawer of the check. Furthermore, they gave me bad legal advice that the person I bought the check from was liable but the indorser of an instrument is only secondarily liable so any action against the indorser for primary liability would be dismissed in court and cost me further money. This standard practice of 5/3rd is in direct conflict with well settled principles of law, causes financial detriment to persons such as myself, and poses a great danger to those in our society who are the least well situated to shoulder that burden. If I can not present an instrument for payment to the drawee bank, then where would I present it?

Company response to consumer: Closed with explanation