BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by Midland about a debt supposedly owed to XXXXXXXX XXXX. When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Barclay card was charging me {$37.00} returned fees for the payments which I didn't make. I made my payments from my bank and they did go through every time. On a top of that they fraudulently were making payments from another closed account and charging me {$37.00} fee. 
The customer service representative XXXX with a very low voice was the worst, I never had such a bad customer service in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
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: Investigation took more than 30 days

Complaint:
EQUFIAX FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT SECTION 609 OF THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: FCN Catalogue & Equipment, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I received a payment reminder 2 days ago when I responded to the text it was then and only then that I learned that the money 's I was to pay them was going to interest and not until the 5th payment would anything go toward the principal that was the first I ever heard of such a thing the terms that I was told and understood was that on {$1000.00} I was going to be charged {$300.00} and the first payment of {$300.00} was due on XX/XX/XXXX which was fine and then the next two payments would be for XXXX and the payment and that they would be directed toward the principal which was {$1000.00} and then the loan will be paid off well their response was that whatever I pay over the XXXX would go toward the interest not the principal and that the principal payments would not begin until the 5th payment which means I would have had to pay {$2300.00} on {$1000.00} loan never ever agreed on this never knew about it had no knowledge about it did not confirm it because I would have said no way they were deceptive deceitful misrepresented the elder abuse and basically a bunch of scam artists and liars and they tell you one thing and then do another thing and try to rob you blind blood money is what they want and blood money is what they've seem to want to get they're disgusting and I even received texts asking them to provide me with this confirmation of such a thing and then I never got it when I can pay it off XXXX dollars if I pay before the XXXX then I got another one saying that they wanted XXXX again if I pay it off by the XXXX and then they process a payment that I never confirmed our date intent to do which was 2 days ago and it made my account overdrawn because I'm on Social Security and the money wasn't even in there and I want to pay them back but but the kids attacked if they use were so deceptive I don't want you anymore I think that they need to pay me for the troubles that they have put me through and the stress to my heart and my physical well-being

Company response to consumer: Untimely response
Consumer complaint received 2018-09-01
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: Account information incorrect

Complaint:
XXXX is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I sent a dispute letter to Convergent Outsourcing ( creditor ) on XX/XX/2018. This letter stated that the information they provided was incorrect and the negative mark on my credit report was being falsely reported by them. I also asked in this letter for them to provide me with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. 
A little over a week later, they responded with their " evidence '' and it was insufficient. The address that they had listed on the account was an address that I have never occupied. 
So, after receiving their letter I sent them a second letter on XX/XX/2018. This letter let them know that the information they are reporting is inaccurate and they have failed to show any alleged contract or instrument bearing my signature. I asked them once again to please show me any viable evidence that this account is being reported accurately, it has been over 31 days and I have not received a response.

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 2018-09-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I lost my check book on XX/XX/XXXX. I notified BBVA compass bank at once. They send me a secure message on XX/XX/XXXX to confirm that they have started to freeze my account ( Attachment 1 ). 

On XX/XX/XXXX. Someone tried to charge my account which incur {$32.00} NSF fee ( Attachment 2 ). From the federal laws, I know that I am not responsible for unauthorized charges and fees after I notified the bank. I had to switch to other banks and argue with their customer service about this charge. I even received a  letter from them that threatening they have marked it as charge off and will send them to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.

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 2018-09-02
Company: CITIBANK, N.A.
State: FL
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 bought my husband a watch from a company called XXXX XXXX for {$190.00} on XX/XX/2018. My husband didn't like it so I returned it promptly to the same address it was shipped. I sent it by XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. It was received by XXXX XXXX on XX/XX/2018 and accepted by an employee name XXXX. The XXXX Tracking number is XXXX. 
After not hearing from the company I contacted them and they told me I should have got an RMA number when returning the watch. Unfortunately, I had already returned the watch to XXXX XXXX and as the Tracking Detail shows, they have it. 

Since I returned the watch and did not receive a refund, I disputed the charge with Citibank whose MasterCard credit card I used to purchase the watch. They assigned me a dispute number XXXX. 

It's important to note, Citibank failed to provide a copy of the merchant response to me. Their documentation said it was attached but it never was. I contacted Citibank several times asking for the response and their agents told me that they didn't know why it wasn't included but would send it to me. Citibank never provided this information to me. 

On XX/XX/2018, Citibank said they could not give me a credit because I had not followed the companies return process. 

This action by Citibank is unfair in that they are charging me for a watch I do not have but the merchant XXXX XXXX does ( see Tracking Detail ). Their actions also must have violated federal banking regulations in that they never provided me the merchant 's response and thus deprived me of an opportunity to respond to the merchant 's response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good evening. I am not happy with Equifax. I have disputed numerous of items to include inquires and I am having difficulties getting answers from Equifax. It has been more than 30 days and I have not heard anything. There website is not wotking and has not been working for quite some time. I spoke with someone whom stated that there system is down and has been for quite some time because the system is updating. It is a hassle to deal with them while there system is down. I have not been notified of any statuses on any of my disputes. I want all items disputed to be deleted. You can not trust Equifax 's records are accurate with all mishaps and breach issues. I have attempted to check status of my own disputes and keep getting an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..

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 2021-06-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The facts are as follows : 1. I have been having the in New York, the PC RIchard Store Cared for nearly ten years. I never had an occasion of a.compaint. But now the Synchrony Bank entered into the picture, problems started. I have been trying to contact them since XX/XX/2021 but no success, because they always greeted by unending recorded message. I tried to Chat in XX/XX/2021 but was disconnected. 
2. The outstanding balance on the card at the beginning of XX/XX/2021 was {$990.00}. 
BUT IN THE FIRST WEEK OF XX/XX/2021, THE BALANCE JUMPED TO {$2200.00}. 
Today, the XXXX of XXXX, 2021, I waited on phone for more than half an hour. And finally upon my inquiry, I was informed that in XX/XX/2021, the Synchrony Bank charged {$1200.00} as LATE PAYMENT PENALTY INTEREST. 
3. I NEVER HAD A LATE PAYMENT in ten years. I never knew that such a thing will happen without notice. 
4. I request CFPB, If it has guts, to look into this and resolve the issue favorably.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-02
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting an account named XXXX XXXX XXXX on my report as having a current status of 120 days past due when it should state closed and paid and they are showing account 120 days past due in history on XX/XX/XXXX. This account was closed XX/XX/XXXX so how is this possible after filing complaint with CFPB and waiting 30 days a response was sent by XXXX XXXX XXXX saying they arent reporting equifax is and its equifaxs responsibility to correct taking NO blame for negligent reporting but they stated they received a dispute prior to this and confirmed account so they confirmed these things then. Now equifax sends me new investigation results dated XX/XX/XXXX and once again XXXX XXXX XXXX confirmed current staus of a 2 year closed account as past Due 120 days and show it past due on XX/XX/XXXX. This is rediculous. In mean time I am the one suffering because of this gross negligence of both parties equifax and XXXX XXXX XXXX. I dont want to hear its not our problem from XXXX XXXX XXXX its Equifaxs because equifax just sent them in XXXX another dispute and asked them to confirm and the XXXX ( Im sorry I say as I see ) including the guy who responded back to last complaint confirmed everything asked to this includes current status being 120 days past due and the past due occured XX/XX/XXXX some 2 years after account was already closed. So what will XXXX XXXX XXXX excuse be now? What will equifaxs excuse be. like 2 peas in a pod both incompetent XXXX. Im not looking for any investigation as I have wasted a year with this account already. Both equifax and XXXX XXXX XXXX have exactly 15 days to either remove account or correct to show current status paid and to remove the 120 late on XX/XX/XXXX history. After this amount of time maybe its time to let the courts handle and both can pay my legal fees and damages for their blatant negligence. This actually should also be forwarded to the FTC as they both have consistently reported incorrectly and refuse to fix each other blaming each other. Enough is enough. 15 Days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When calling Equifax, i originally was calling to dispute a collections. I then found out they dont have a file under my SSN. I then found out my XXXX XXXX XXXX/XXXX isnt reporting to them and my XXXX credit card is not reporting to them. They refuse to help me until i send them my drivers license and SSN card but i do not feel safe sending my SSN card and im worried Equifax has seriously messed up my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/21, I placed a phone call to IQ Data International Inc to discuss the information reported on my credit report. I requested to have a bill mailed to me since I have never received any type of written documentation from this company. XXXX, the manager, informed me I owed more than the amount listed on my credit report, to which I again requested something in writing. I stated I want something in writing so I can MAIL my payment and he still refused and stated that I have to make a payment over the phone. He was very rude and made it very clear he was not going to make it easy to pay off this debt. I requested all communication be through Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is reporting an incorrect filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. XXXX. Experian is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11U.S. C. 348 ( a ). The section 348 ( a ) concerns the effects from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing date of the case or petition the commencement of the case and the order of relief. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initail filing date. 
Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. Experian reports that Chapter XXXX original filing date is XX/XX/XXXX and case number XXXX. 
2. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX. 
3. I have enclose the Discharge of Debtor order dated XX/XX/XXXX. 
4. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX  must be the original date of the Chapter XXXX petition date XX/XX/XXXX. I am requesting that Experian correct the file and send a corrected copy.

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 2020-11-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2018-09-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site

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 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
transunions total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site

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