BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Personal Loan from Marcus by Goldman Sachs paid off with XXXX Credit Card online transaction. Paid from XXXX site to Marcus on XX/XX/XXXX with quote from that day from XXXX, {$2900.00}. Marcus continued to bill after pay off. Claimed not paid. XXXX ticket on missing e-pay filed XXXX. XXXX says pay off accepted electronically on XX/XX/XXXX. Marcus continues to bill me. Recent request is interest only payment of {$30.00} and their representatives say that I " mailed to wrong address '' and that is why there is more interest after I made the payment. The transaction was made electronically, no address is given on Marcus billing statements for pay off and XXXX site has no request for address of loan provider on their application. Marcus claims I am late and also threatens my credit score with this unpaid interest they claim accumulated from XX/XX/XXXX until XX/XX/XXXX ( when Marcus claims to have received it ). Requests to waive this " interest after pay off '' is denied ( transaction done electronically online, not mail ) and requests to alter it to 4 days ( XX/XX/XXXX to XX/XX/XXXX ) are denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXXXXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Cottonwood Financial Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has contacted me, my spouse, my parents, and my siblings repeatedly saying that they have a complaint in their office but refusing to identify what company they are with, no disclosure message that this is an attempt to collect a debt, phone calls minutes apart several times.

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 2018-11-11
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX/XXXX   XXXX : XXXX XXXX : XXXXTransunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : 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 2017-11-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX, EQUIFAX, XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple accounts on my credit report that don't belong to me. I discovered them XX/XX/2020 and filed disputes with all three credit bureaus in XX/XX/2020 as well as filed an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill for medical services by XXXX XXXX rendered on XX/XX/XXXX a couple of months ago. I spoke with XXXX XXXX several times to have the remaining balance after insurance paid using my HSA card. On the third attempt with XXXX XXXX they were able to process a payment using my HSA card. 

I received the most recent bill dated XX/XX/XXXX which doesn't show the HSA card payment, but shows a balance of {$110.00}. It also says " Please contact our office within 10 business days to avoid possible collection action/and or ... '' 10 business days from XX/XX/XXXX would be XX/XX/XXXX. This bill was received on XX/XX/XXXX. Last week I sent in using the remittance stub and enclosed envelope a payment of {$50.00} which as of today has not been debited from my bank account. I intend to pay the {$66.00} remaining balance when I am paid again on XX/XX/XXXX. 

Yesterday, I received a collection notice from United Consumers , Inc. dated XX/XX/XXXX which is less than the 10 business days the XXXX XXXX statement mentions possible collection action. Further it shows a balance of {$110.00} and {$12.00} dated XX/XX/XXXX from XXXX XXXX. These amounts do not align with the statement from XXXX XXXX XXXX dated just 7 days prior. Lastly, in the United Consumers , Inc. letter it shows two charges from XXXX XXXX  dated XX/XX/XXXX for {$2.00} and {$37.00} ( 48 days ago ) which I have not even received a bill by XXXX XXXX XXXX. 

XXXX College of Virginia ( XXXX ) is a division of XXXX XXXX University and was changed to XXXX XXXX several years ago to reflect it is one institution.

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 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got a preapproved letter from Bank of America to apply for card. I was declined. My credit is excellent. When I called, no one could look at the application to see if error was made and the associates told me it was all done though a computer and no live person was available.

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 2017-11-09
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The account in question was previously removed from my credit reports due to XXXX XXXX not following the proper protocol for attempting to collect a debt, the former collection agency was XXXX XXXX XXXX. This debt was removed then sold to another company unbeknownst to me. I was made aware of the selling of the account once it reappeared on my credit report. The new company is showing as Commonwealth Financial Systems and I received no communication in any form from this company. From what I understand I should have been notified no later than 5 days before this attempt to collect was placed back on my credit reports. I would like your assistance in having this debt permanently removed from my reports. 
Thank You for any future assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Midwest Recovery Systems
State: TX
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:
I received an alert on my XXXX credit report that a collection was added on XXXX XXXX, 2017. The  company is Midwest Recovery System and the amount is {$430.00}. I have never heard of this company have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit report immediately and be given the opportunity to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My bank card has been used by this remittance company Remitly and the amount XXXX XXXX} was taken out of my bank account. I rang them but they just ignore my call as Im not the owner of the account where my money was taken out today XXXX XX/XX/2019 at XXXX XXXX   time. I rang my bank in order to block any further transactions of this company. I have my proof of the banking transaction that they have taken my money out and that the sender has different name on their remittances details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I Opened a Checking & Saving account combo with Citibank on XX/XX/2018 under an offer that if Within 30 days of account opening I deposit {$15000.00} and Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days then {$400.00} Cash Bonus which will be credited to my new Eligible Checking Account within ninety ( 90 ) calendar days from the date I complete all offer requirements. 

To Give details - a ) Account Opened on XX/XX/2018 b ) {$15000.00} Deposited on XX/XX/2018 -- > This completed the requirement of depositing $ XXXX within 30 Days c ) {$15000.00} was maintained from XX/XX/2018 to XX/XX/2018 -- > This Completed the requirement of maintaining $ XXXX for 60 days d ) Since i completed all conditions on XX/XX/2018, i was supposed to get Bonus of {$400.00} 90 days after XX/XX/2018 which was XX/XX/2018 but i haven`t received my bonus. 
Reached out to Customer care many times but the customer service is very pathetic. 

Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Global Payments Check Services, 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 is missing that should be on the report

Complaint:
Global paymentts check collection account have no original creditor,. not compliance with FCRA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I have previously disputed my accounts with XXXX and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied to the past disputes stating the information is correct. 

XXXX : XX/XX/XXXX : the creditor reported to XXXX XXXX my account was 90 days late, the account was reported 150 days late to XXXX, 120-149 days late to XXXX  ; XX/XX/XXXX : the account was reported 120 days late to XXXX XXXX, 180 days to XXXX  and 120-149 days late to XXXX. Because of the inconsistent reporting, there are various time frames when the accounts will age and be removed from my credit files. Due to the inconsistent reporting, my credit score also  varies and this shouldn't be if the creditor would have reported the correct information. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX : XX/XX/XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge off ; XX/XX/XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX and 30-59 days late to XXXX   ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX  and 60-89 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX  and 90-119 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX   and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. Because of theses inconsistencies, I am requesting the creditors remove their tradelines from all 3 of my credit files. See attached.

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 2018-02-23
Company: National Business Factors
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect a debt not owed. I have contacted them numerous times started back in XX/XX/XXXX. I disputed this debt with the CFPB, and XXXX XXXX XXXX stated they would delete the item from my credit file. Please see attached document showing this. 

I recently certified another letter to XXXX XXXX XXXX which was signed for on XX/XX/XXXX. I have yet to receive a response to me letter that requested they respond to my concerns. 

I disputed this item from my credit reports and XXXX  is the first to respond. XXXX  states that XXXX XXXX XXXX has verified the information as accurate and to not delete the item from my report. I am providing you a copy of this response from XXXX. 

XXXXXXXX XXXX XXXX has misrepresented what they intended to do to you both the CFPB and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
NOTE : This is my second complaint to CFPB about the same issue. And my 5th dispute with TransUnion TransUnion have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) as required by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA TransUnion are required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this UNVERIFIED ITEM

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 2017-11-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card was stolen around XXXX XXXX, XXXX and charges are fruad as i confrimed when they called me they blocked my account asked i mail in my drivers license and bank statement which i dont still blocked and there billing me for the fraud for all the fraud charges after XXXX/XXXX/XXXX none after that date was authorized included in this dispute is my id and my bank statement for 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 non-monetary relief
Consumer complaint received 2018-08-20
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX account have no original creditor,. not compliance with FCRA

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 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a postal money order for {$1000.00} on XXXX. Bank America has put a hold on this for 10 days. I have deposited money orders from the postal service before and they have never put a hold on it before. Now they are pulling money from my savings and charging overdraft fees when that money is there. I would like them to release my money so that I can pay my bills and refund the overdraft fees.

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 2019-05-23
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband is the debtor but this company is contacting my former co-workers and asking for him or me. I am not responsible for his student loan debt. The people being contacted are unrelated to my husband and this is affecting my professional reputation.

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 2018-08-20
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was shocked when I reviewed my credit report an unknown collections from XXXX on my credit report. I am not sure how this happened, I believe this is inaccurate information on my credit report. And I haven't receive any information to dispute this allege debt.

However, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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