BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I contacted Apple Goldman Sachs Credit Card company. On the statement they advertise that whenever you make any payment. your credit will be avaliable next day. It does not happen instead it takes them 10 to 15 days to issue credit. 

Please see below false advertising statement. 

How do I make payments? 
You may make electronic payments on your Account through Apple Wallet. 
When will you Credit my Payments? 
We credit electronic payments made by XXXX XXXX. Eastern time on the day the payment is made. 
Do you report my information to credit bureaus? 
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit bureau report. If you believe that there is an error in the information we have reported about you to a credit bureau, contact us at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, PA XXXX XXXX. Please include a copy of the information you believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions Inc.
State: GA
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  X/X/2017   , Experian received my certified request dated  XX/XX/2017   . The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act,  15 U.S.C. 1681g, I requested disclosure of documents recorded and retained in their file ( s ) at the ti me of this request concerning the accounts being reported in my credit report.    Three additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial r equest. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Experian of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.

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 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by Transunion and  XXXX . However,  XXXX  still maintains these collection debts on it credit report.

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 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were disputed as fraudulent and  XXXX ,  XXXX  and tranunion have failed to remove said items from my report as mandated by the fair credit reporting act.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , total  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 2017-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were disputed as fraudulent and experian,  XXXX  and   XXXX    have failed to remove said items from my report as mandated by the fair credit reporting act.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   total  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 2020-04-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services continues to harass me with letters & uses deceptive collection practices after they have been notified to STOP all communications. CEASE & DESIST. Ref ID XXXX I never had an a/c with Resurgent Capital Services/LVNV Funding or XXXX XXXX XXXX  XXXX. 

Have requested numerous times for proof Resurgent Capital Services/LVNV Funding even owns this alleged a/c by XXXX XXXX   XXXX  XXXX. ( original creditor ) & are authorized to collect alleged debt in the amount of {$2500.00}. Resurgent/LVNV ignores request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Professional Collection Company
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:
I 've contacted this collection agency  Professional Collection Co. in writin g to provide me with documents supporting that I owe them {$760.00} for this debt in  XXXX  and you on  XXXX   XXXX  ,2017 and  have n't received any documents or feedback from the company but they falsely verified with the   XXXX   and   XXXX   that I owe the debt. According to FCRA by law they have to produce documents supporting their claim if I 'm disputing that this debt does n't belong to me. I have a right to validity of the debt and they have ignored my request. This is the second complaint and attempt to get a response from the company. I have n't received any information from original creditor neither upon request. My next step of action is looking into a lawsuit against this collection company and the  XXXX  credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
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: Account information incorrect

Complaint:
I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by  XXXX  and  XXXX . However, Experian still maintains these collection debts on it credit report.

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 2017-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the Bank of America, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest. When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get XXXX to agree to Identity theft, and XXXX XXXX and XXXX. However, they would not take the debt off. The Bank of America wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XX/XX/XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the Bank of America, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by Bank of America continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX, and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the Bank of America charge off. The Bank of America does not recognize its own charge off and has left it on their books as 3 open card  accounts. Can you help me clear this up? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-11-04
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.

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 2020-02-29
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This creditor has placed an account on my credit bureau despite having the information in their possession that shows that the notice of the debt was mailed to THEMSELVES and not to me. Despite multiple attempts to discuss with XXXX at the leasing office, they mailed a notice to their own address with no APARTMENT number for the notice to even be forwarded and the mail MUST have been delivered to them, as it was sent to their own address as shown in the letter uploaded to the CFPB by the RentDebt employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have been trying to receive back child support for years. Since  XXXX  I constantly checked my Eppicard and the balance was  XXXX  cents for years. On  XXXX   XXXX  I received an  XXXX   XXXX  card with child support on it and I found this strange so I went to Child Support Enforcement and went to the Clerk of Courts and received an audit that stated my child support was being paid all along. When I got home that day  I call ed Eppicard and was told I was issued  XXXX  cards and over  XXXX  was deposited since  XXXX . My card still stated the  XXXX  cents. I was told I must of spent the money and forgot, I ordered  XXXX  cards in four years and funny I still have the original since child support transitioned to debit card.  XXXX   XXXX  I was issued a new card cause I started an investigation with there fraud dept and the new card issued is one of the numbers on transactions from  XXXX ??? Then the other transactions that I never made were on a different card. On the statements there are large deposits made then withdrawled by who?? Not me cause I was still going to the courts, writing letters till  XXXX . What brings me to you is Eppicard stated they closed the case cause I did not file fraudulent charges in a timely fashion and how could I do that when my card still stated  XXXX  cents. They sent me transaction statements  XXXX   XXXX  and I followed all the proper procedures and still told case closed. My daughter and I were robbed of  XXXX  dollars and no accountability is being taken. I reviewed  XXXX  cases of the exact same situations from other Eppicard holders. I 've contacted an Attorney but they want a  XXXX  down and went to the courthouse but modifications ca n't be made cause money was deposited and applied to the Eppicard. The entire responsibility is on Eppicard for mishandling what is due me and hundreds of others. I need help recovering what is due me. I asked Eppicard fraud dept to investigate, get signatures and match to mine, get video where withdrawals were made anything they said case closed! Please, any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sold an item on  XXXX  and sent wit h USPS postal service with tracking number an also insured it for {$600.00}. Twelve days later buyer reported that they did not receive an item. Pay Pal immediately stole my  funds and gave it buyer. Pay Pal had tracking number and shipping history and still did n't refunded my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Nelnet, Inc.
State: KS
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 am attempting to make a payment toward my student loans on the Nelnet website today, XX/XX/20, and Nelnet will not allow me to post the payment sooner than XX/XX/20. By the time the payment posts, 2-3 days of additional interest will have accrued and my payments will apply more to interest than is due today, the day that I'm attempting to pay. My understanding was that I could make a payment at any time but this does not appear to be true. The funds are available in my bank account today regardless of whether Nelnet can collect over the weekend. I should not be penalized for this. 

I submitted complaint XXXX in XXXX for other deceptive practices with Nelnet. They have not yet resolved the issue identified in that complaint or contacted me as they said they would in their response. I believe this new issue is just one more deceptive practice by this company that causes financial harm to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear To whom this may concern, I have contact ed the advantage group he re in  XXXX , NM because I was put into collections for medical bills. First of all, I have medical insurance that has covered all bills. I contacted the hospital itself to see what was happening. They checked all bills and they were all covered by my insurance and did not know why I was even transferred to collections. These bills are : Accou nt 1  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$220.00} on  XX/XX/XXXX .   Accoun t 2  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$210.00} on  XX/XX/XXXX .   Account  3  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$160.00} on  XX/XX/XXXX .   Acco unt 4  :  XXXX   XXXX  with a balance of {$770.00} on  XX/XX/XXXX .   These medical bills need to be removed as soon as possible because it is affecting my  credit score  and limiting me to improve my credit.  <P/> Sincerely,  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have  XXXX  accounts wit h US Bank.  They processed payments from the wrong account and as a results charged me  XXXX  overdraft fees in an amount of {$36.00} each. I do not have overdraft protection. When I try to dispute transactions made from wrong account they refuse to do 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 2017-06-10
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home suffered a loss due to bad pipes underneath my home. Our insurance adjuster came out and issued a substantial money payable to us and the mortgage company to repair our home. We endorsed these checks and sent them to their Loss Draft Department who was to hold in escrow and disburse back to us so we can effectuate repairs to our home. During the construction process the mortgage company released money back to us and our General Contractor, however in order to finalize the construction, we need the remaining balance of funds. Unfortunately the mortgage company wants us to be 100 % complete before they release the balance of our money. I 've tried for the past three weeks   starting end of  XXXX     2017 to e xplain, we ca n't get to 100 % complete without the balance of our money. This project started in  XXXX     2017. My fa mily and myself have been displaced out of our home and can not complete the project without the balance of the money. They expect us to come out of pocket for the repairs. Unacceptable as we do not have that kind of money just lying around. They have not been reasonable or accommodating to finalize the end of this project. Please help so we can finalize this and get back into our home. I have numerous emails back and forth for months with these guys. My insurance company tried as well to get them to release our money to no conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I entered into a car title pawn loan with TitleMax of Georgia for {$10000.00} on  XX/XX/2013    and made {$33000.00} in payments yet I still owe {$9100.00}. I was mislead about how long it would take to pay the loan back at payments of around {$750.00} per month. When I complained about not being able to pay down the balance, TitleMax stated that they would drop the rate but it did n't help.

Company response to consumer: Closed with explanation