BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
Company: Experian Information Solutions Inc.
State: WA
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:
After reviewing my credit report, I realized that there was a Bankruptcy   on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to XXXX, XXXX and Experian asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded. 
Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by XXXX, XXXX and Experian? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from XXXX, XXXX and Experian credit report. 

Sincerely, 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 2021-10-13
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. I also believe my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: SIMM Associates, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/21 I have sim associates calling me 10 times in a row at XXXX and also on XX/XX/21 they called 8 times in row also and numerous calls all day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 TAKEN A LOOK OVER MY CREDIT FILE AND FOUND A NEGATIVE CLOSED ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS ACCOUNT IS THE RESULT OF A DROP IN MY CREDIT SCORE. 
I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON THIS ACCOUNT SO THAT THIS ISSUE CAN BE RESOLVED.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.

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 2021-10-13
Company: GVA Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I owe this company but the outragious fees became too much to bear when federal and state garnished my wages and put a levy on my home. I not afford the thousands of dollars being requested. I can pay amount originally borrowed agreed upon on a monthly basis but I truly have nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: WA
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:
After reviewing my credit report, I realized that there was a Bankruptcy on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to XXXX, Equifax and XXXX asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded. 
Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by XXXX, Equifax and XXXX? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from XXXX, Equifax and XXXX credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan was being serviced by XXXX when it then got transferred to PHH Mortgage Services ( www.mortgagequestions.com/ - NMLS ID # XXXX ). Before the loan was transferred, I completed a modification with XXXX. After the modification was completed by XXXX, XXXX charged me a {$99.00} 'Charge - Notice of Default Cancellation fee on my XX/XX/19 statement and the fee was listed with a date of XX/XX/19. I disputed the fee with XXXX but then the loan was transferred. PH Mortgage Services then charged me a {$99.00} 'Assessed Expense - RECORDING FEE Paid ' fee! They charged me on the statement with date XX/XX/19 and listed the charge with date of XX/XX/19. They also raised my principal, interest, and escrow payment portions from the agreed upon rate that was in the modification agreement I signed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is allowing companies to report false information on my credit report. They claim that they have investigated but they do not have on evidence on file or any evidence that they can provide to me that can substantiates the false reporting on my credit report. 
The following companies are reporting false information. Experian is allowing XXXX XXXX to report negatively on my account, I have never been late or past due on any account with them. Experian is allowing XXXX XXXX to falsy report and they have has not been able to prove that I owe them anything. They have put my name on a family members account and charged me with the debt. I never contracted with this company. The company can not even provide a signed contract with my name on it with or without a signature. Experian has allowed XXXX reports that I have been late and its not true. Experian refuses to investigate and provide documentation or proof that I was ever late with this company. Experian is allowing XXXX XXXX to falsely report although the account was fully paid. Experian refuses to investigate or provide me proofs or evidence of any of these false reports. Please have Experian remove all these accounts from my report immediately. They are willfully breaking the law. They have caused me irreparable harm.

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 2019-05-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019, I made an advance purchase reservation at XXXX for a resort under their official list. This also would qualify me for the {$250.00} XXXX resort credit from American Express, which is why I used my XXXX XXXX card. Since then I have not seen this credit. I have checked the terms of this benefit and it did not exclude any advance purchases : During each year of your Card Membership ( " reward year '' ), you are eligible to receive up to {$250.00} total in statement credits on your Card Account for eligible purchases made directly with participating XXXX Resorts with your XXXX XXXX American Express XXXX XXXX during that reward year. Your first reward year begins on your account opening date. Each subsequent reward year begins on the anniversary of your account opening date. 
Eligible XXXX XXXX purchases must be made directly with the participating XXXX XXXX and charged to your XXXX XXXX American Express XXXX XXXX account for the benefit to apply. Incidental charges ( including charges made at restaurants, spas, and other establishments within the hotel property ) must be charged to your room and paid for with your XXXX XXXX American Express XXXX XXXX at checkout in order for them to be recognized as XXXX XXXX purchases. Visit hilton.com/resorts for the list of participating XXXX XXXX. Purchases made by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of {$250.00} per renewal year in statement credits across all Cards on the Card Account. Please allow 8-12 weeks after the eligible XXXX purchase is charged to your Card Account for statement credit ( s ) to be posted to the Account. Please call the number on the back of your Card if statement credits have not posted after 12 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. 

I have asked American Express to credit this in a dispute and they have ignored me and violated their own terms and conditions. I have attached proof of the reservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
TD Bank XXXX XXXX XXXX deducted USDXXXX from my savings account for an international wire to my overseas account, but it never arrived. On XXXX XXXX, I went to TD Bank in XXXX XXXX do a wire transfer for USXXXX to my account in XXXX XXXX XXXX The money was deducted from my savings account. They said it will be there in 3-5 days. But it never arrived and I called TD Bank several times as they performed an investigation. Without giving any explanation on what happened, they said they wired the money XXXX XXXX or two weeks later, and that it would appear in my account XXXX XXXX. On XXXX XXXX, the money is still not there and I called them again. They said XXXX XXXX has confirmed that they 've received it and I just need to wait for the latter to show the money in my account. I called XXXX XXXX and they asked for a reference number to identify if money has indeed been sent by TD Bank in XXXX. I called TD Bank in XXXX for the nth time, and they said the money was never deducted from my account - I promptly reminded them that the deduction appears in my account. So now, while on the call, the customer service representative is finding out what 's happening. She 's 5th one I 've spoken to, and each time the story changes. This last one did n't even know the very first thing  about the complaint - the money was deducted, but was n't received. It 's been almost a month and my XXXX XXXX dollars is still missing. UPDATE : Customer Service just came back to say XXXX XXXX returned the money due to an erroneous account number, but after conversion rates, only USDXXXX was returned to my TD bank account. I basically paid USDXXXX for a service they did n't perform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-19
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 am a victim of fraudulent activity and requesting your assistance for resolution - I have been unsuccessful and have tried numerous times disputing this with US Dept of Education and now the credit bureaus. The US Dept of Education loans currently show XXXX balance and permanently assigned to government but the past derogatory marks remain. I did not attend college. I am not being treated fairly and is against Fair Debt Collection Practice Act. I am led to believe they have destroyed my credit intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: United Student Aid (USA) Funds
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was under the assumption that my student loans were paid off. I have contacted the US dept of education ( which have been very helpful ). Because they service my loan now. Which should be at a XXXX balance. The problem I am having is United States Aide funds will not send me a transaction history now. I am disputing my balance that they sent the US dept of education that I supposedly still owe. I have recorded phone calls of representatives hanging up on me and supervisors avoiding my calls. I have two voicemails currently waiting to be answered. On a second note I tried to rehibilatate my loan early in the loans life. I made the required payments and faxed them the contract they sent me only to be told I had to go through the rehibilitation program again. I told them I would not be dealing with them and they can take it out of my taxes. Keep in mind this was as far back as XX/XX/2008. Now I am running into the same runaround as back then. They refuse to give me any information on getting a transaction history from them. 
They keep forwarding me to the Us dept of education since they are now my ( should be paid off ) loans servicer. USAfunds is a joke with customer service and am also sure they are/or have violated many federal collection laws during the terms of my loans with them. My loans should be paid off and I can't get them to send me any info concerning my account. Please help me!!! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: GOLDMAN SACHS BANK USA
State: TX
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:
Apple charged me full interest when I paid entire balance. I need my interest refunded or I will no longer make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
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 am a victim of fraudulent activity and requesting your assistance for resolution - I have been unsuccessful and have tried numerous times disputing this with XXXX XXXX XXXX XXXX and now the credit bureaus. The XXXX XXXX XXXX XXXX loans currently show XXXX balance and permanently assigned to government but the past derogatory marks remain. I did not attend college. I am not being treated fairly and is against Fair Debt Collection Practice Act. I am led to believe they have destroyed my credit intentionally.

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 2019-05-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from CONVERGENT OUTSOURCING in XX/XX/2016 in  the amount of {$110.00}. First and foremost, I have confirmed that the debt collector, CONVERGENT OUTSOURCING is not licensed in the state of Florida to collect on this debt. Secondly, CONVERGENT OUTSOURCING violated the Fair Debt Collection Practices Act rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to CONVERGENT OUTSOURCING? I have never heard of them, have no written contract with them, and have never received any benefits from them. Yet, CONVERGENT OUTSOURCING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and demands collections payment from me in the amount of {$110.00}. 

Therefore, I am requesting VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that CONVERGENT OUTSOURCING provide me with competent evidence that I have any legal obligation to pay them. I am asking CONVERGENT OUTSOURCING to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET ''  signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof  that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

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 2021-10-13
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was part of the class of XXXX Members whose old XXXX XXXX credit cards were moved to Barclays without our approval- it just happened and the new card showed up one day and the old one no longer worked ( as of XX/XX/21 ). I had several questions and gave up trying to reach customer service after 2 waiting periods of over an hour each. I finally got through and was told that the many emails I am getting about non-posted charges are probably phishing, and was told to forward them to XXXX. I have sent them over 20 such emails and am still getting 5-10 each day. They have not responded to any of my forwarded emails and now their phone system says they are updating their systems and I should " call back another time. '' I want to know if I can block the sender ( XXXX ) and ignore them or if this is a big problem which will cost me thousands of dollars. They simply won't respond. 

Additionally, the XXXX due date was the XXXX of each month and the Barclays due date is the XXXX. I set up autopay 3 days prior to the XXXX, but since the last bill was not paid until the XXXX I got a late payment fee on the XXXX of XXXX Their system is still showing a due date of the XXXX even though their stated due date is the XXXX! I have no way to resolve this for the coming month and fear another late payment fee. 

I can not call them or email them- they will not take a call or respond to email. Thank you for your 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