BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally lodge a complaint against Convergent Outsourcing Inc, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 
I recently received communication from Convergent Outsourcing Inc. in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : XXXX. Failure to XXXX XXXX : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 
XXXX. XXXX XXXX of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, Convergent Outsourcing Ink is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. 
XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. 
XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against Convergent Outsourcing Inc. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. 
I am attaching copies of all relevant correspondence from Convergent Outsourcing Ink, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. 
Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. 
Thank you for your time and consideration. 
Sincerely, 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 explanation
Consumer complaint received 2021-11-28
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : 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 non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX reported me 30 days late. I disputed it several times with XXXX XXXX and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show XXXX XXXX as reporting me late, XXXX XXXX doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with Equifax once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that XXXX XXXX says I was 30 days late in XX/XX/XXXX. Equifax is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It starts with a trip to XXXX in XX/XX/2019, I used my card to charge for an entrance fee of {$24.00}, After that, I had been waiting for the bill which never came. The credit card sent me bill on line, and I could not open it. Then they called but I asked them to send me statement on paper. By the time they sent me the bill, it had late fee and interest on it. I called and got the agreement to pay the principal, and they would erase the fee. The payment of {$24.00} was from my checking, on XX/XX/2019, confirmation XXXX. After this, they kept calling me again for the late charge and interest, until now the amount became {$320.00}, and it has been sold to Calvary SPV I, LLC, which consists of {$24.00} of principal, {$26.00} in interest, and {$270.00} in fees. Today I receive call and mails from Cavalry SPV I , LLC asking me to pay for this debt. 
Please help me to clear this issue, and let me know the process that I have to follow to fight for this unfair business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted TransUnion several times regarding these accounts. I asked for a investigation on the accounts for them being misleading and inaccurate. They have failed to comply with FCRA regulations it has been more than 30 days these accounts need to be removed from my consumer report immediately. 

As the FCRA requires all information on a consumer report to be 100 % accurate are it must be deleted. All three credit reporting agencies must maintain the same information. So why are these inaccurate, misleading accounts reporting on my credit report. Who from TransUnion deemed them to be accurate and placed them on my report. An what representative did they speak with from the data furnisher to prove the accounts were 100 % accurate before they placed them on my consumer report. 

Please attach date, time, phone number and agent or representative in which TransUnion spoke to to verify these accounts as accurate before they reported them as so on my consumer file. 

Accounts in dispute. 

1. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Also under FDCPA 15 USC 1681i ( a ) ( 1.a ) All accounts that are disputed by a consumer must be immediately deleted from the consumer report until the investigation of said account is completed. 

As you can see in the attachments below XXXX have already removed these accounts. Therefore these accounts have to also be removed from TransUnion as the FCRA again requires all three reporting agencies to maintain the same information on a consumers 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 2020-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When I opened a XXXX  XXXX  IRA account with Bank of America, N.A. I was assured that I would receive my disbursement on the first of every month unless that day fell on a holiday or on a weekend. 

XX/XX/2020 fell on a weekday, I did not receive my disbursement as was promised by the financial institution. When I called the IRA division of the bank, the B of A agent told me their manager informed THEM that disbursements had not been processed. However, I received no notification of any sort, and suspect that no other depositors with the same type of account ( at minimum - there may have been others with other types of accounts ) were told. 

No explanation was provided by the agent nor any assurance that this would not occur again in future. 

I received disbursement the next day but I don't know if that was true for the others effected by this very questionable, likely illegal, lapse on the part of the bank.

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 monetary relief
Consumer complaint received 2020-07-17
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
A hard inquiry obtained by tower finance company in XXXX mississippi i did not authorize on XXXX  and XXXX  reports dated XXXX XX/XX/2020 XX/XX/2020

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment

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 2020-07-17
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal -negative {$3000.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year, for weeks I received calls twice a day from a company trying to collect on a XXXX debt. I have never had an account or any dealings with XXXX. I eventually recorded the conversation, told them the debt isn't mine and to stop calling. 

Today, I received another call from a collections agency regarding this XXXX debt, which isn't mine. They spoofed the call to make it appear to be local. 

They said they were with Jefferson Capital Systems in Minnesota and wanted to collect on the debt. I recorded the conversation, told them it isn't my debt, and they asked for four digits of my social to prove that it isn't my account. I refused to do that, as this company should be required to prove this is my debt ( which there is no proof of, because it isn't my account ). I shouldn't be required to prove it was never mine by sharing my social security number with a company that obviously has unethical and predatory collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Chase XXXX XXXX  card which I closed when the annual fee hit. Chase has refused to credit/refund the annual fee in violation of both the terms of the card member agreement and federal law. Chase claims it will take 60-90 days to credit the annual fee back and that if I do not pay it now they will charge interest and additional fees on the closed account and report the account as delinquent to all three national credit bureaus. This is simply not allowed under law. Chase should immediately remove the annual fee - it does not take 3 months - they are only doing this to either ruin my credit or obtain additional revenue from the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have made several attempts to contact someone in card services. I have been blocked from making many of the charges that are very serious and important to me. This charge was made by me in an attempt to see if my card was still blocked. As of XXXX XX/XX/2020 I was only permitted to make only 4 ATM withdrawals from my account. No one has been available to speak with me about this issue. The last time I spoke with someone was on XX/XX/2020. Who gave me no explanation as to why the hold was put on my account. 
I think it very seriously inconvenient for you to, without even an explanation, place a hold on my account. I never exceeded the limit on withdrawals, POS purchases, or teller withdrawals. 
I will be forwarding this email to every media and government, state office I can until I have received an explanation for the apparent lack of concern for me and my family 's well-being. 
I was just relieved of the stress this pandemic has placed on myself and the whole U.S, I expected much better treatment from the government than this. 

Sincerely, XXXX XXXX United States Citizen This is correspondence that I had with XXXX a Supervisor at card service representative of US Bank ReliaCard, on XX/XX/2020. After months without having the needed income to support my family. I finally received relief only to be again treated with disrespect. I was demeened and spoke to very harshly for no reason. When I advised the Supervisor that their procedures were unwarranted. He advised me that, ReliaCard had the right at their discretion to place blocks and hold on card accounts if and when they felt it was being abused by the cardholder. And they didn't have to give reason or explanation. 
I thought this to be very poor business practices and even worse customer service or support. At this time of poor economy in the world, why would someone have to be treated this way. I feel distraught over this situation and have very little hope in the future of the businesses.

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 2020-07-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-17
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-05-14
Company: Experian Information Solutions 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2022-12-07
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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