BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Convergent Resources, Inc.
State: OH
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:
On around unkown dates, Convergent Outsourcing Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, and credit management, placed a collection claim on my credit, for an alleged cell phone bill. I have received NO communication or proof of this bill prior to or since the credit inquiry from my credit report. I have received NO documents validating this owed amount. I have NOT received any validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting the file to be immediately closed as it has no basis to be on my credit report. I do not currently have nor, have I ever had any business dealings with Convergent Outsourcing Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and have not given them nor anyone affiliated with them authorization to view or obtain a copy of my Credit Report. I am requesting that my Name, Phone number, Email and any other personal information be removed from the Convergent Outsourcing, XXXX XXXX, XXXX XXXX  and XXXX credit database and prohibit them from selling this debt off to yet, another collection agency. I have been advised by XXXX that my SS number as well as my phone number have been compromised. I have been advised to alert the SS department, alert the credit reporting agencies and place a freeze on my credit as well as file a police report. I've done all of these things. I will be seeking legal guidance and or pursuing legal action against, Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX for the illegal purchase/sale/use of this unverified/invalidated collection account.

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 2019-01-25
Company: SYNCHRONY FINANCIAL
State: NJ
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:
this deals with my synchorny XXXX XXXX XXXX card. i never dispute. but i was overcharged on XX/XX/XXXX by XXXX. by XXXX dollars i have called them no response written i called the bank yesteray XX/XX/XXXXno response she was nasty i did not know it then but XXXX overcharged me for train tickets. they should have been XXXX each times 2 they overcharged me by XXXX by mistake whatever i did contact them and the bank i need the money back please from XX/XX/XXXX XXXX dollar charge please. this is on synchorny card 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 monetary relief
Consumer complaint received 2019-01-25
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection amount was paid in full on XX/XX/19 Approval code # XXXX. 
Rep told me account will be deleted & I will receive a receipt in mail. I disputed the account & they updated the account XX/XX/19 stating account is in collection & have a high balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: SW Linear Investment Group, LLC
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Linear Mortgage , LLC got home equity loan papers from XXXX XXXX XXXX from 2002. 
these paper should not exist they should have been destroyed by the XXXX XXXX XXXX XXXX in 2002. Because we never signed them we turned down what they were offering us because it was not what we wanted. we told XXXX XXXX XXXX to stop coming too our home because we wanted nothing to do with them. XXXX Mortgage sent us papers saying that we owed them this XXXX for a home equity loan and said that they had a lean on our property and if we did not pay that they would take our home. so Started to pay them XXXX dollar a month and my husband said that something about this was not right we never took out a home equity loan. so we looked in our files and we found the papers from XXXX  home equity like I said we never sign them or received any money from them. Linear Mortgage sent me the same paper with our signature on them that was a photo copy. alone with paper file with the court of deeds. I called to ask them were did they get these papers and at first she she she got them from a company call XXXX  I told her I never heard of them before then she sent me the copy from XXXX XXXX XXXX. I even called XXXX and they said they never keep paper from that far back I tole Linear Mortgage we wanted our money back she said that she could not help me and she hung up on me and said tell my Lawyer. I called the police they sad i would have to file a fraud report on line so that it can be investigated.

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 2019-01-25
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:
this is in regards to previous complaint filed with cfpb # XXXX Transunion responded that XXXX had responded that the status is " transferred to another office '' and they sent me the copy of the report. However the status still states " 120 days late ''. There is no balance, it is not possible for {$0.00} to be currently 120 days late. 

Transunion did not update the payment status at all and only added comments in the remarks section stating that I dispute the info and that the creditor states account was transferred. This did not update the status. THEY NEED TO UPDATE THE PAYMENT STATUS which means changing the " 120 days late '' to " account transferred ''. 

And they need to remove the dispute remarks from the remarks. 

I have attached a page from my XXXX  report so that Transunion can see how the status is supposed to be reported. Transunion has been reporting incorrectly for years.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.

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 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 I saw a purchase on my Bank of America Travel Rewards Credit Card that was not authorized. I called Bank of America to let them know of the fraudulent transaction. The representative told me i should go ahead and cancel the card. I told the representative that I had a scheduled charge coming in the next day, that had been scheduled for month, and that I could not cancel the card if the charge wouldn't go through. The representative said that Bank of America would still push the charge through. Next day get an email from the merchant saying the payment was rejected by Bank of America. I called Bank of America to figure out why that was, the representative told me that I was given incorrect information, but that he could escalate it to a specialist team which would be able to activate the card and allow the one transaction to go through. The specialist the said that I was again misinformed that they are not able to do that, spoke to the manager and said that they were going to transer me to digital services where my card could be added electronically and would display the Card number, Expiration, and CVV code to make my necessary purchase. Once transferred over to digital, they said that it was not an option, and that it does not give me my card number. Employee after employee all provided false and incorrect information, and did not resolve my problem. As a result of Bank of America 's mistake I will most likely lose my purchase and will be charged late fees that I will have to pay out of pocket. Bank of America 's is the worst financial institution, it does not prioritize its customers nor take Responsibility for their own mistakes, their employees are not even trained properly with accurate information.

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 2019-01-25
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a two year agreement with XXXX and as a part of that agreement I was supposed to receive a discounted rate for the full two years. However, after a year, XXXX removed my discounted rate stating that I did not fulfill the terms of my contract because I did not have any other services with XXXX XXXX XXXX. First of all, they don't offer high speed internet in my area, I have no use for a landline phone, and their cell phone charges are double what I pay with XXXX. Therefore, it would not have benefited me at all to add any other XXXX XXXX XXXX service and shame on them for trying to strong arm customers into using their inflated and inferior services! Also, this was not part of the original agreement and the representative on the phone stated I had received an email with a notice to the change of the terms and conditions. However, I could not locate such an email and neither could the representative on the phone. I tried for about an hour on the phone to remedy the situation, however I kept being told there was nothing they can do besides offer me other " deals '' that were all more expensive than the deal I had. Therefore I cancelled my service and they charged me an early termination fee. I feel that they are the ones that breached the contract, not me. For those reasons, I dispute the debt that has now ruined my credit by going to collections and constantly getting transferred. Also I would like to note, the Representative who first approached me about getting service with them told me that I would not pay an installation fee. I told him I was in the process of buying a house and would move in about 2 months. He told me that neither installation would be charged. However, when I moved, I was charged an installation fee. When I called about it, I was told they had to charge the fee. I was mad about it but didn't want to spend time and energy disputing it. If that were the case, I would have waited until I moved! Working with XXXX was a nightmare from the beginning. I wish I would have stuck to the original service I had with XXXX. I have disputed this collection with the first collection agency by mail, with all 3 credit bureaus, and with the most recent collection agency, Diversified Consultant, by phone and have been unsuccessful in each attempt because XXXX keeps providing a statement that shows the early termination fee. Yet, they still have not provided information showing that I was provided a change in terms, which according to them would have allowed me to cancel after a certain amount of days without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
SunTrust a few weeks past sent my wife a new card. She was inconvenienced and let in a bad situation because she couldn't get gas when she learned it was canceled. No text or email notification was sent. Now they sent her a new card and did the exact same thing. 

They have our email, text, phone information, any method of communication they need to reach us, but make no effort to assist and communicate. 

Then when I ask why the card was canceled they claimed a merchant compromised but would not provide any information about the merchant. 

Some things not right and the process need to be changed. My wife could have been at a restaurant when this happened.

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 2017-12-09
Company: Experian Information Solutions Inc.
State: NE
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 would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX ( the XXXX XXXX ) were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.

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 2020-05-08
Company: Alpha Recovery Corp
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rec. a debt collection letter. I responded immediately upon receiving this letter in the mail. I disputed the debt/debt validation. I requested the following information.

I respectfully request that they provide me with the following information for this debt.

( 1 ) identify the original creditor, ( 2 ) last date of activity, ( 3 ) last date account was paid, ( 4 ) an Original copy of the contract between myself and the original creditor with my signature, ( 5 ) the proper and legal assignment contract between you the collection agency and the original creditor ( proof that you can legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ) ; purchase agreement, ( 6 ) proof that you are licensed to collect debts in the State of Mississippi.

( 7 ) a line by line accounting of the ORIGINAL account ( transaction history, a full breakdown ), They did not provide me the information requested and after receiving my letter in which I responded within 30 days,. They reported this debt to the credit bureaus and ignored my request. I am trying to obtain a mortgage and they have damaged my credit and me with this negative reporting. They have violated my rights under FDCRA, FCRA, and 1692g ACT ( b ). I am entitled by law to the following information above according to the law and they have violated my rights. Up to this date I have not rec. the information above I requested well within my 30 day period according to 1692g Act ( b ). And after receiving my request that I sent returned receipt requested and they signed for it they still reported this debt to the credit bureaus and have not sent me the information I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making monthly payments for Plus loans for my daughter 's education. Between last month, XX/XX/2018 and the current month,XX/XX/XXXX, Navient placed all loans into deferment without my permission. 
My daughter is a married XXXX year old who recently went back to school for her XXXX XXXX. She is employed by a corporation that pays for her education. She has not taken any additional loans. 
I believe Navient is extremely predatory in servicing of student loans. Navient is able to find out that my daughter is taking a college class toward her XXXX XXXX, and have the ability to place loans into deferment without permission. Navient also placed my daughter 's Direct Loans into deferment as well. All automatic payments were cancelled by Navient without permission. 
Navient also changed my original repayment agreement without my permission. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: AMCOL Systems, Inc.
State: SC
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:
Per XXXX, I have an adverse account with Amcol Systems Inc with a partial account number XXXX**** at XXXX XXXX XXXX, XXXX , SC XXXX XXXX. This file shows a collection for {$150.00} as Medical in XXXX of 2015. This information does not show up on any other credit bureau repository. I have never been contacted by anyone about this matter nor does this have anything to do with me. 

This collection is negatively impacting my credit score. I don't check my credit reports very often as I have a " Freeze '' on my account. I decided to get a copy of my report, this year, as a check and to clean up any erroneous information. I found this addition when I received my report. 

Credit Reporting agencies bare a responsibility to notify consumers when negative information is being added to their file so that both sides of the story are reflected. Unfortunately, credit repositories, like XXXX, simply add negative information to a consumer 's file without contacting the consumer. This has been a part of my file since 2015, without my knowledge. Yes, I should have been more attentive in checking my file ( s ) yet the credit bureau repositories are a profit oriented businesses and should be involved in investigating adverse reports. I also think the that there should be a minimum dollar amount, say {$500.00} or {$1000.00} that can be reported as even a {$10.00} collection will have negative consequences. 

While I should have contacted XXXX about this, first, I believe there are other consumers who have had a similar experience. Furthermore, I don't think I should have to prove my innocence vs a creditor/credit reporting agency proving that a consumer owes money. There has to be a minimum amount owed and a minimum amount of effort spent trying to collect before a request is made to add adverse information. At the very least, making sure that adverse information belongs to the correct consumer. 

This isn't the first time this has happened to me. The reporting agency removed incorrect information from my file, once contacted, yet there is no way to quantify the damage done while the incorrect information was part of my file nor did the reporting agency add comment about the erroneous information removed and how it got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX XXXX / XXXX Credit Card

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 2019-01-25
Company: Hidden Oak Group, Inc.
State: OH
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 a notice from XXXX XXXX XXXX saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i Was trying to Apply with a Credit Card With Apple with a bank Name goldman sachs bank usa and They Denied My Application and i dont have bad Credit History and my Score Is Good and they shouldve have not denied my Application for Finance i want this hard Inquiry to be remove from my report please thank you my social security : XXXX date of birth : XXXX

Company response to consumer: Closed with explanation