BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Convergent Resources, 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: Reporting company used your report improperly

Complaint:
CONVERGENT OUTSOURCING is falsely reporting on my credit. 
Per my research CONVERGENT OUTSOURCING is a debt collector. 
Account # XXXX are falsely reporting and violating my rights and fair credit act. Under 15 U.S. Code 1681d- Disclosure of Investigative consumer Violation. I have attached the definition so you can see the violation.

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

I request to be provided proof of this alleged item, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results in item to be deleted from the report as soon as possible. Under federal law, you have 30 days for a reinvestigation. 


I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that the information they gather and distribute is fair and accurate .. Every step must be take to assure the information is reporting correct.

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 2022-01-23
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I had several accounts with American Express back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform American Express of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with American Express and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true American Express fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of American Express, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, XXXX, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
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: Account information incorrect

Complaint:
I have contacted XXXX, XXXX, and Equifax regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again.

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A woman who calls herself XXXX keeps leaving voicemails on my work phone ( last XXXX digits # XXXX ) stating that she is from XXXX., LPA and attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have a credit score of about 800 ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

CAPITAL ONE AUTO FINANCE ( Finance ) XXXX XXXX XXXX ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make XXXX inquiry. 

I also see I have an additional 2 hard inquiries from the following dates : CAPITAL ONE ( Bank ) XX/XX/XXXX XXXXY ( Bank ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a federally protected consumer and I am aware that this company isnt following the regulations of the Fair Credit Reporting Act. Please review the attachments to see my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  is also reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/XXXX I was locked out of my chase bank account. Monday, XX/XX/XXXX, I called and spoke with someone to see what the issue was, and I was told I had to take 2 forms of I.D into the Chase Bank location which I did the next day XX/XX/XXXX. The banker instructed me to call the online support for help in which I waited around the bank 3 hours on hold waiting on someone to help me just for online support to tell me the banker has to call, even though the banker was right there with me and willing to speak to them. So, we tried again the next day XX/XX/XXXX in which the banker actually sat on hold waiting on support for over 1 hour and 45 mins. Absolutely nothing was handled, because no one ever answered and I had to go pick up my wife. I tried again the next day XX/XX/XXXX and the banker went ahead and scheduled for me to come in between the time of 10 - 12 to speak to the branch manager who never showed. All of this for me to be told there is nothing that can be done. My account has been locked 3 going on 4 full weeks. My work direct deposit is attached to this account. During this pandemic it's bad enough we are living paycheck to paycheck, but also it is time for bills to be paid and I have no access to funds to pay them. We have been scraping and struggling to feed our XXXX year old child when we have funds to do it. At this point it's beyond ridiculous. I need to verify my account so I can get it unlock so I don't lose my home, and can put food on the table for my family. I can't access my mobile app since they have locked me out, so it's impossible to email or get in contact with anybody to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction

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 2022-07-26
Company: LEXISNEXIS
State: FL
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 for almost a year now been in a battle with LexisNexis to remove the negative items on my report, including a bankruptcy record. They keep telling me the bankruptcy has been validated and I have requested to see how they have validated this, as I have previously contacted the courts and they have mentioned they do not validate this information. I once again emailed the courts last night for additional verification and they have replied that in fact, they do not validate this. LexisNexis is violating my consumer rights and I need your assistance to have them delete this record and stop reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I went to pay my mortgage to PPH, which was only {$420.00}. OO. When I pulled up my loan statement online at their website, it said that I only owed {$840.00} to pay off the entire loan, so rather than pay the monthly due amount of {$420.00}, I paid the entire {$840.00} it said that was remaining on the entire loan to pay it off. On XX/XX/XXXX, when I checked the website, it told me I was late on my XX/XX/XXXX payment and that I owed {$840.00}, which was the exact amount that I paid on XX/XX/2019. I checked my bank and the money had in fact left my account and been sent to PPH. Additionally, the recording when I called PPH confirmed it received it on XXXX XXXX. When I spoke to a representative, he claimed that they had not applied any of the money because it was not the full amount, but I explained that I paid the entire amount due, which it listed at {$840.00}. He couldn't explain why the website said I was late when I paid almost twice the amount owed of {$420.00} but more importantly the full amount owed and showing at the website. They failed to apply any of the payment that was

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Allied Trustee Services on behalf of XXXX XXXX XXXX an HOA company garnished my wages in the amount of {$6400.00} for an invalid debt in the original amount of {$1200.00}. I did not oocupy the property in question at the time this debt was incurred because the property was foreclosed and I was evicted from the home. ALlied Trustee Services had absolutely no right to this money. Because of their actions my family and I are again facing eviction because we can not pay our rent. Allied Trustee Services should not be allowed to take these fradulant actions. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with XXXX as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.

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 2022-01-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, Equifax, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: URS Holding, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I brokered a deal with United Recovery systems XXXX, extension XXXX to settle a debt I had with XXXX, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. United Recovery Systems employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form United recovery Systems. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.

Company response to consumer: Closed
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: GA
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:
XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with XXXX as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MD
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:
my issues is that, I have two accounts XXXX BANK, and XXXX BANK, CREDIT CARD ACCOUNTS THAT ARE NOT SHOWING ON MY CREDIT PROFILE. IT HAS BEEN TOLD TO ME BY THESE TWO ENTITIES THAT THEY HAVE BEEN REPORTING TO EQUIFAX MONTHLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Have an ongoing loan with TD auto finance. In XXXX, I became XXXX  with XXXXXXXX XXXX and lost nearly six weeks of work. I called TDAF and they offered to put my payments on hold until I was back on my feet. I had a letter from my Hospital. I resumed my payments last month. I received a letter in what appears to be a fake certified envelope with a date as delivered different from the actual date it was delivered. Letter stated I had to come up with nearly 4000 $ by XX/XX/XXXX as a balloon payment or they would begin reposection. The envelope did not have a return receipt to sign by the Addressee. Just getting back on my feet leaves me in no position to come up with a balloon payment. I am on Social Security. They never told me i would have to pay all this back. Its listed on my credit report as a charge off due to the bank offering assistance with covid 19. Can they do this to me?

Company response to consumer: Closed with explanation