BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Federal law requires the following Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. 

While Convergent claims they do not buy debt and that they are only doing so on the clients behalf they still have to obide by credit collection guidelines. They are still Required to verify debt and provide mailing showing amount owed. 
Convergent is attempting to collect on a debt that was disputed with XXXX in the amount of XXXX . This XXXX $ was a cut off fee for services that were not used or explained. Information on the debt was sent to company and no response was received. This has to occur within 30 days. 
A written cease and desist was provided to the company on the basis of inaccurate debt reporting and failure to follow federal guidelines. 

Violation of privacy laws occurred by there own admission on their website " Certain information may be collected from you automatically when you access and use the Site. For example, we and third parties may use Tracking Technologies ( defined below ) to collect Usage Information ( defined below ) based on your Device Identifier ( defined below ) for a variety of purposes, which may include activities over time and across third party locations. " The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Disputed XXXX XXXX credit card account via credit bureau as fraud. Sent letters to XXXX XXXX asking for them to validate ownership of this account on two separate occasions with the last letter sent on XX/XX/2021 and both times XXXX XXXX failed to show proper documentation to show ownership of this account such as signed contract agreement of this account. When attempting to call XXXX XXXX on this situation they were not able to verify, find or pull up this account in their system. This account was placed with a third party debt collector and that account has since been removed from my credit report as this account was fraudulent and a result of identity theft.

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 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Bank of America visa Card through AAA. 
I have been making above minimum payments on what was a {$3300.00} debt. 
for a year. The Balance has not only not gone done at all but has increased. 

During the same time period I also incurred a {$3200.00} Debt with XXXX XXXX XXXX and have been making payments on that. THAT balance has decreased {$1200.00} B of A has been charging me so much interest that my payments do not always cover the interest even though my payments are over the minimum. They are charging over 30 % interest.

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 2019-11-28
Company: AES/PHEAA
State: NC
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:
Student loan has been reporting the wrong balance before school was shutdown for fraudulent Activity. 
There are duplicate student loans that are reporting negatively on my credit report I have tried to resolve this issue several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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 Equifax hack leaked my SSN, date of birth, and address. It was confirmed on the Equifax website that I was affected by this. That 's just lovely ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 Founders XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: Automated Accounts, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling from a private number, calling starting a conversation as though a friend is calling, there is no information about this company being a debt collection agency. They are falsely representing themselves and calling very frequestly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In 2018 I opened a secured Citi credit card. The original contract was 18 months and it was a {$200.00} deposit. At the end of my contract they sent me a letter they were not unsecuring my card and making me wait another year. A year later they sent me the same letter. I attempted to mitigate through the XXXX  but the executive office of the CEO of Citi told me not only will they not unsecure my card but they will not give me my deposit back unless I close the card. I have a reoccurring charge on this card that is paid every month now for almost half a decade. I have never missed a payment. My XXXX currently is XXXX. I have no secured cards. I have credit limits topping out at {$10000.00} and I make over {$110000.00} a year. Even more strange, I have another card with them that is not secured and has a {$2000.00} credit limit! Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: OneMain Finance Corporation
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: Reporting company used your report improperly

Complaint:
on XX/XX/2021 I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application. please remove this inquiry as I have tried multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Convergent Resources, Inc.
State: OH
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:
The collection is wrong, and has been paid.

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 2017-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Few years ago my mother, XXXX XXXX, contacted Chase Bank to ask for an Authorized User Credit Card for me, because I was going to college. I just found few months ago that Chase Bank has been reporting this account in my credit as a join account. How that could be possible? I never signed any documents authorizing that. Since I got the card I tough it was being reported as an authorized user account. I have contacted Chase several times asking them to fix this issue. Their answer is : " There is nothing we can do, sorry for the inconvenience ''. Really? 

Here is the account information : Account # XXXX ( do not have the last 4 digits ) My SSN is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Evening!! I currently have an OPEN DISPUTE with TRANS UNION LLC! This is the second time since XXXX I have had issues with Trans Union! I am currently disputing false and inaccurate information on my credit report and I have mailed off multiple letters! These people have constantly been sending me the same letter over and over! Stating they need more identification to confirm who I am. I send my Drivers Licenses, Proof Of Mail, & the mail is an Utility bill! Also I send off my SS card! Everything in 4K clear! This is OUTRAGEOUS! I DO NOT have to legally tell you that I have hired a credit repair company that is not your business. I am highly upset at this matter and I demand to have this taken care of immediately! I will be following up with legal advice upon this matter. Proof is provided below! XX/XX/XXXX! I would put my OPEN complaint in this but Im sure you guys can find it. These Credit Bureaus do not care about our consumer rights & this is 100 % Recorded TRUTH!

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 2021-04-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2020, I have sent monthly letters to JPMCB asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that JPMCB  to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have called the credit card company on XXXX/XXXX/XXXX and filed a dispute for a charge on my statement for the amount of {$130.00}. A temporary credit for the amount was received on the same day. 

On XXXX/XXXX/XXXX I noticed the credit has been reversed on XXXX/XXXX/XXXX implying that an investigation has been resolved against me. I called the dispute department and was told that they will email me to the record on file and send a physical letter to my address to properly advise me how to continue. 

He had also advised me to review the rebuttal letter they have received from the merchant online and I did. 

On XXXX/XXXX/XXXX I called the dispute department again since no email or letter has been received. The female agent I spoke to said she will ask them to send the letter again. I asked her if there was a limitation on time she said the deadline is XXXX/XXXX/XXXX and I should have plenty of time to respond. 

I asked if the letter can be sent to me by email she said yes. 

On XXXX/XXXX/XXXX I called the dispute department again to verify the email address on fie since nothing was received since my last call. 

I spoke to another female representative who told me for the first time the deadline to submit additional document for continuation was XXXX XXXX, XXXX XXXX 3 days before I 've learned about the credit reversal XXXX there was nothing they can do to continue the dispute. 

I did not feel that they have treated me fairly as an individual consumer. The merchant has distorted the story but I did not get a chance to state my side of the story.

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 2019-11-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the bank branch to ask why I had two charges of {$36.00} pending overdraft and the banker told me it was for a charge of {$8.00} but if I deposited {$8.00} in cash it would be erased and the two charges would be returned of XXXX dollars and I did that same day at the time I deposited XXXX dollars and then XXXX and XXXX later in cash and I asked you are sure that my account is up to date and they would not charge me 36 times and he replied that if I left confident and I didn't check my cell phone until Saturday I see I had the 2 charges of XXXX dollars and pending another 2 charges of XXXX dollars call the US bank branch immediately Bank and I talked to the cashier and he told me that at that moment he would be returning two times {$36.00} dollars. and I angrily told him that why he didn't do it on Wednesday when he assured me that he had already done it? Well, I expected my account to be free of charge and on Tuesday I checked my cell phone again and now I had 5 times the overdraft charge of {$36.00} I did not make any transactions or movements with my card but I still overdraft for overdraft charging XXXX many times. then call customer service by phone at U.S. Bank and told me that they could not help me they were very arrogant and that I had to pay overdraft XXXX dollars which I do not have to pay that is an unfair abuse after I went to another branch where they understood my situation and the kind cashier returned me Twice XXXX dollars but I still followed the balance of XXXX dollars and the next Tuesday the bank returned to charge me twice XXXX dollars I am not willing to pay that because it is not my fault I know I had enough to make the payments and the banker He said he deposited only XXXX dollars and his account will be up to date if the one or another had told me you overdrawn for XXXX dollars and I would have deposited them so that it will not be overdrawn now I am not willing to give even XXXX dollar to that bank until the 5 charges are cleared of {$36.00} overdraft

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and XXXX XXXX XXXXAccount # 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 an 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 2017-04-21
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My PayPal  account (  XXXX  XXXX  XXXX  ) was permanently limited on   XXXX   XXXX   XXXX    . During that time, I had opened a significantly not as described ( missing parts ) claim against  XXXX   XXXX . This claim was resolved in my favor today (  X/XX/2017    ). However, over {$400.00} was refunded back to my  PayPal balance,  and I am unable to withdraw this money due to my limitation.   I have submitted a previous complaint addressing the limitation, so I will not dive into details here. In summary, I have ha  d this PayPal account for over 3 years with zero negative records, and have always abided by PayPal 's User agreement.
I am requesting that my PayPal balance be made available for immediate bank withdrawal. Since this is my money which I paid for a significantly not as described product, it makes no sense that it is being held from me. The case has been closed in my favor, and as such, I should have access to my funds.
Again, a refund which was issued to me is being held for no reason, please make my PayPal balance available for withdrawal.
Thank you for your help and consideration.

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 2019-11-28
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX {$360.00}, XX/XX/XXXX {$730.00}, XX/XX/XXXX {$420.00}, XXXX {$590.00} I called them to see what it was because I didn't even know who there where. Tired to tell them that it wasn't me and they still trying to say it was me and that if I didn't think it was me that I need to go to the police department and file a identity theft report that would be the only way they could help me. When I'm telling them they address they have on file is not even the address I was living at. And to explain to them that the accounts where closed and they still saying I have to pay and the they trying to say I seen two doctors in one night that's how I have two of the same dates up there. Which I know I didn't go to the emergency room on the dates that they are talking about.

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 2017-04-18
Company: BANK OF THE WEST
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of the West,  Co-Trustee of a family Trust for 7+ years, is currently refusing to provide a complete d  XXXX  for the partial year (  XXXX  ) of   XXXX  . They continued as  XXXX  during this period, administering the investments of the  Trust,  and taking their fees, as usual. T he Trust Officer 's ( or former Trust Officer 's )   answer to the Co-Trustee 's inquiry regarding this essential tax document (  XXXX  ) was : " You are no longer our customer. We do n't have to provide the  XXXX  for you. '' If this is not outright illegal, then at the very least, I would think it is unethical. Although they have sent a huge report listing all transactions in and out  of the Trust  from   XXXX   XXXX     through   XXXX   XXXX   XXXX    , expecting the beneficiaries to condense this information into a  XXXX  seems a bit like a vindictive act. The Bank 's ability to render this information into a proper  XXXX  would likely be done via computer, and might take all of  XXXX  minutes.   The former  XXXX   XXXX ,  XXXX   XXXX , has made multiple statements to beneficiaries in the past which are either untrue, or are outright hostile.  One specific one which stands out in my mind is an assertion that the money in the Trust is " our money ( meaning the bank 's ), so we will do as we please. '' T his is not only patently false, it is offensive. This particular statement is what led to the family suing to take sole control of the  Tr  ust from  this Bank. This request was granted via an   XXXX   XXXX   in   XXXX  , which is why Bank of the West is no longer  Co-Trustee.

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