BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a pdf file containing all correspondence. The pages below refer to that document. 
1- XX/XX/XXXX. Received a document from Convergent ( pages XXXX and XXXX ) saying I owed XXXX XXXX  {$100.00} 2XXXX XX/XX/XXXX. Replied to Convergent, emphasizing that I have not done any business with XXXX Bank, and asked about details ( page XXXX ). I also inquired by phone to the XXXX Bank about the account given. There was no such account in the bank. 
3- Convergent replied on XX/XX/XXXX ( page XXXX ). They sent some documents ( pages XXXX, XXXX, XXXX and XXXX ). The address of the account was given as XXXX, XXXX We never lived in XXXX XXXX XXXX XXXX showed the address as a wooded area, no building ( pages XXXX and XXXX ). 
4- XX/XX/XXXX I sent a letter to Convergent ( page XXXX ), emphasizing the wrong address, and gave some examples of XXXX XXXX that I found in XXXX . I specifically asked how they contacted me, from all the names and locations, this question was not answered. 
5- Convergent replied on XX/XX/XXXX ( page XXXX ), suggested that I go the XXXX XXXX  Web site, and complete an affidavit. I went to the suggested Web site to find an affidavit, but could not find it ( page XXXX ). 
6- I sent a letter to XXXX XXXX on XX/XX/XXXX ( page XXXX ). I emphasized that I never lived in Georgia, I did not have any business with the XXXX Bank, and asked for a remedy. 
7- XXXX XXXX  replied on XX/XX/XXXX ( page XXXX ) and they suggested an affidavit for ID theft. This is not ID theft, since the address is not correct, and therefore this is not me. They suggested obtaining the affidavit form from their Web site ( see XXXX above ). 
8- I assumed that the matter was closed. Then on XX/XX/XXXX I received another document from Convergent ( XXXX XXXX and XXXX ), very similar to the first XXXX. They said that I should dispute it by XX/XX/XXXX. 
9- I replied to Convergent with a letter on XX/XX/XXXX ( XXXX ), and with a filled slip ( pages XXXX and XXXX ), saying I will not pay. 
10- As if I did not send the letter and the slip, saying I will not pay, Convergent sent me another document on XX/XX/XXXX ( pages XXXX and XXXX ), saying " pay half ''.

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 2021-08-23
Company: SYNCHRONY FINANCIAL
State: OH
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:
The numbers keep calling me about a suspected charge of {$700.00} on my Amazon account. Press 1 to find more information about the issue, but I dont HAVE an Amazon credit account. They use more than one phone number. 
( 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. To date I have receive no notification from Equifax that my personal information was mishandled. According to new reports, Equifax discovered this breach 6 weeks ago and made no effort to inform their customers or the public of this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. As a result, I will have to bear the burden of this risk for many years to come. 

They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. So far I have had to pay {$10.00} each to XXXX and Equifax to apply a credit freeze to my records - an immediate cost to this consumer as a direct result of how poorly Equifax protected my personal information! It 's pretty clear that Equifax has learned that they can make money no matter what because no law or agency is looking out for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that 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 2017-09-09
Company: EQUIFAX, INC.
State: IA
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:
Equifax was the subject of a cyberattack and failed to protect the sensitive, personal information I trusted them with. 

The breach lasted from mid-XX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
XXXX mishandled this breech and its aftermath. This is completely irresponsible use of very sensitive information. They need a solution for us NOW. Their officers selling stock days after this is very suspect as well. Your job is to protect we the people! Do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account with XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2, also States a consumer reporting agency can not furnish a 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 2022-01-18
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello and Happy New Year! I received a review on my credit report when I took out a loan for my son. It's showing that XX/XX/XXXX they have this account, and this account was written off by XXXX and I received a letter stating it was written off XX/XX/XXXX so why is this reporting that the account was in collection as of XX/XX/XXXX. They re-aged the account incorrectly on my report. Also on my credit report they have the account number as XXXX and I don't have any record of this account number. I would like the open date fixed to the correct date or they need to remove this false information from my report with their company since I have no record of doing any business with them Also, on XX/XX/XXXX I spoke with XXXX, and they were sending me a 1099C form removing the balance owed so how is this account now with a different company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/XXXX I saw a pending XXXX XXXX transaction for {$1000.00}. I immediately called Chase and advised them of the fraudulent transaction. Chase deposited the provisional credit on XXXX/XXXX/XXXX and sent me a final resolution on XXXX/XXXX/XXXX. They advised that my fraud claim was denied because they were unable to validate their chargeback. The letter stated the provisional credit will be reversed because " the compelling evidence did not allow them to validate the claim ''. Chase stated because they were not able to chargeback the transaction that Reg E allows them to reverse the credit. In XXXX/XXXX/XXXX the provisional credit was removed from my account. Chase confirmed that the transaction was done online and unless I can prove I did n't do it they do not have to give me back the fraudulently deducted funds. They further advised the funds were sent to XXXX. I do n't even have a passport, please help me. 

The kickers is that I have not authorized chase to overdraft my account, this transaction overdrew my account. I later was informed that someone at Chase overwrote the overdraft decision to allow this transaction to proceed.
Chase Claim # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account with XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2, also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
I found a Venmo payment from bank account. I never used the app or approved the transfer but someone used my bank account number and transfered the money out. 
I heard from bank it takes the check account and routing number which are very visible on the checks. I had to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Reporting company used your report improperly

Complaint:
The Equifax Data breach has made my personal information susceptible to identify theft and credit fraud. Equifax did not the take the necessary steps to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 AcXXXX XXXX  Accounts # XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX  A Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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

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 2022-10-06
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
Account is showing as a charge off/collection. This account was included in my XXXX XXXX bankruptcy filed in XX/XX/2021. I have had nothing but problems with this account and attempted to fix. The company continues to willfully report false information despite being notified by my XXXX of XXXX XXXX This is a violation of FCRA laws. 

Account information is not accurate

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 2022-06-19
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: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). 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 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This creditor refused to update my paid account to the 3 major credit bureaus. I paid this account off

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 2017-09-09
Company: EQUIFAX, INC.
State: MI
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:
This is regarding the recent hack of Equifax, resulting in my information being distributed to the hackers/unknown parties and now my identity and credit being at risk of theft for the remainder of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, this company did a unauthorized use of my credit card. Under 15 USC 1602p the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I never give this company permission to use my personal information. This is fraudulent activity.Also not to mention identity theft.I wonder want else have they used my personal information for? I receive no benefit from this account. How did they even get my information? I guess they stole that too. 

Under 15 USC 1692e, this is false and misleading representation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

This is unacceptable behavior. My rights have been violated. the account need to be deleted TODAY.

Company response to consumer: Closed with explanation
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:
Equifax allowed a major breech of their system, resulting in my personal information being obtained by unauthorized parties, potentially resulting in financial and credit ramifications for my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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:
The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). 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 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number 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 2017-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello - I entered into a special program with Bank of America concerning XXXX XXXX cards to pay off my balance. They reduced the monthly amount I had to pay and I was required to set up automatic payments but I was never told that they would report the balance as 150 days late which ruined my credit rating with all three agencies. 
At the same time, I engaged a credit counseling company, XXXX, which helped me arrange payment plans with XXXX and XXXX XXXX. Neither of these companies reported the balance 150 days late as I was fulfilling my payment plan. The only reason I did n't also include my Bank of America cards is that I thought they were treating me the same since I was paying off my balance in good faith. I was shocked to see that they would ruin my credit ratings. 
Can you help me? 
Thanks 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 2022-06-19
Company: Experian Information Solutions Inc.
State: MA
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 Bank 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

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