BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I accepted a payment of {$860.00} from our customer through a XXXX XXXX terminal, using my XXXX XXXX as a hotspot. The payment was credited normally and the money transferred to our bank account. On XXXX XXXX, I noticed that my XXXX  showed that my Goldman Sachs card had recorded a purchase of {$860.00} on XXXX XXXX, and the merchant listed was our own company. I initiated a dispute, XXXX, that same day, by chat in XXXX, and forwarded a copy of our XXXX statement as documentation. I was told that a dispute would be opened with the merchant, XXXX XXXX XXXX XXXX. Our own business name is XXXX 's. We were not contacted about this, as the merchant. They believe that we are the buyer as well as the seller, however they have not properly investigated this or they would see the absurdity of it. 

On XX/XX/XXXX XXXX requested more information by XX/XX/XXXX. I replied by email that same day, explaining what happened, and why the charge was in error, again including our XXXX documentation. On XX/XX/XXXX I received an email that the dispute XXXX, was not resolved in our favor. The {$860.00} was again added to our billing statement in XXXX. The explanation given was " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase ''. But we made no such purchase, and we are the supposed merchant! 

I submitted a new dispute on XX/XX/XXXX, XXXX, in a recorded phone call and received acknowledgement on XX/XX/XXXX, and a request for more information came on XX/XX/XXXX. I mailed a lengthy reply with documentation by XXXX to the address indicated, XXXX XXXX, XXXX, PA, but it was returned almost two months later as " undeliverable ''. I then re-mailed it to Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was delivered to them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received an email that the dispute was not resolved in our favor. 

I then disputed it again, XXXX, on Sunday, XX/XX/XXXX and mailed by XXXX certified mail a detailed letter and documentation. I included as before a copy of our PA sales tax license, our home improvement contractor 's PA license, Transaction details from the XXXX payment of XX/XX/XXXX XXXX receipt showing the last XXXX digits of our customers XXXX payment dated XX/XX/XXXX Copy of our invoice XXXX to our customer that was paid, documenting the amount Photocopy of the front and back of our XXXX terminal I have no confidence that this third dispute will be resolved in our favor, and I have contacted a local attorney to represent us against Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Had no issues at all when student loans were serviced by XXXX, XXXX, or XXXX. Starting in XX/XX/XXXX, XXXX started misappropriating my loan payments into the wrong accounts, even though my bank had the proper loan numbers on the payments. ( Account numbers were given to me by XXXX ) They even threatened, by letter, to send me to a collection agency, in addition to the collection department calls from XXXX themselves. They were also charging me late fees and calling my accounts delinquent, when they were the ones who made the mistakes. This happened 5 months out of 6 in XX/XX/XXXX. Every time I called to try to straighten out their mistakes, they blamed me or my bank and were hostile and rude. Now the same thing has started again in XX/XX/XXXX, where they are misappropriating my loan payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: AL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-02-18
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called 2 weeks later to follow up XXXX said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for Equifax said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called XXXX and they just flat out lied and said that they don't see it on my file and they would investigate but it takes 90-120 days. I have now read all that I can regarding identify theft and I now realize that the BIG 3 bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all 3 Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I'm having issues with XXXX, XXXX, Equifax they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of Ed XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of Ed XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been 30 days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently acquired by Fifth Third Bank. 
I set up my online account to make mortgage payments. 
The online system showed my next payment due XX/XX/2022. 
On XX/XX/XXXX I made a payment of {$2600.00} ( {$850.00} principal, {$1300.00} interest, {$400.00} escrow ) and it was designated a " regular monthly payment '' on the Fifth Third website. 
I also made an additional principal payment of {$380.00}. 
On XX/XX/XXXX I logged in to see the " system '' applied my entire payment to principal, and I still have a payment due XX/XX/2022. 
I contacted customer service via chat who said " The trouble is because your payment is already paid for XXXX, so there is no bill due at this time, since XXXX 's due date isn't anywhere close. '' I paid a payment 4 weeks in advance. 4 weeks. This bank is clearly fraudulently applying payments to their benefit if customers can't apply simple payments 4 weeks in advance! Not only that, but their " system '' I used designated this a " regular monthly payment '' - so why didn't the " system '' apply this correctly? 

I am not going to argue with them each month when I make a payment. Some of us stay on top of our bills. We should not be punished for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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

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 2022-11-07
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:
I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2022-11-07
Company: DataMax Corporation
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:
I contacted this company about this debt. I wrote them a certified letter wanting them to verify the debt. I asked for name, address, ssn, and the the sighed hippa form with my signature in XXXX. I have not gotten any repose from them. So i went on all 3 credit bureaus and desputed this account. This company is in volition of the fair debt reporting act. 1 credit bureau has removed. The othe 2 have not. This company should be fined for doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was unaware of the debt until they started garnishing my wages, never received a notice that I could dispute or that I even owed the debt. The debt is also over ten years old

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Freedom Mortgage Company
State: WA
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 have disputed this account multiple times with both the mortgage company and credit company ( XXXX, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file

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 2022-06-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report, I noticed GENESIS CREDIT MANAGEMENT at, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX, PHONE # ( XXXX ) XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. 

In accordance with the fair credit reporting act : GENESIS CREDIT MANAGEMENT, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted my complaint, complaint # XXXX, on XX/XX/XXXX, please see attached, about Receivables Performance Management continuing to communicate with me indirectly about a DISPUTED debt through the medium of my consumer report which qualifies as a " collection of debt '' which is a violation 15 USC 1692g ( b ). [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ] Reporting a disputed, unverified debt to a CRA violates this [ XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX ] On XX/XX/XXXX, at XXXX I received an encrypted email from persons claiming to be Receivables Performance Management, see attached. This looks suspicious and deceptive and I will not be opening up this email being that I do not know if it is a scam or something that can create a virus on my computer. 

I also received a letter in the mail from Receivables Performance Management of them attempting to " settle '' the account, see attached. The letter is dated XX/XX/XXXX, but I have proof that they in fact received my dispute on XX/XX/XXXX, see attached. This is yet another attempt by Receivables Performance Management to collect on a disputed debt which violates 15 USC 1692. 

I still have yet to receive any of the information that I have requested in my initial dispute, which is attached, in order to validate this debt. 

If Receivables Performance Management has all of the information that has been requested in my initial dispute, which is attached. Then they will have to send it to me either through the Consumer Financial Protection Bureau or by Mail.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXXXXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXX, XXXX Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % MORE DETAILS XXXX XXXX ( Revolving ) More Details XXXX TransUnion XXXX Closed XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTPhone ( 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
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The following companies have violated my rights : Account Name : 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 {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

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

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on other account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged 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 non-monetary relief