BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Companies Involved : FedLoan Servicing ( PHEAA ), XXXX and XXXX To whom it may concern : I took out XXXX Parent PLUS loans for my daughter to attend college between XX/XX/XXXX and XX/XX/XXXX with the original cumulative principal of {$47000.00} and an interest rate of 7.9 %. As of today, these loans now have an original principal of {$81000.00} -- close to doubling -- and the interest on these loans accrued and capitalized while my daughter was still finishing her XXXX degree. 

I am filing this complain again FedLoan, XXXX, and XXXX, because I don't believe I was provided adequate information to ensure the loans were kept on deferment while she continued to pursue her schooling for her XXXX degree and subsequent graduate education. At XXXX point, these loans were placed with a collection agency despite my child 's status as a student pursuing higher education. I am also unclear if it is even possible that these loans should have accrued interest and capitalized while she was still in school at the XXXX institution in which the loans were paid towards. 

Ultimately, these loans have accrued an egregious amount of interest over the course of the last 10-12 years while my daughter has been continuing to pursue schooling over the majority of this time. In particular, I don't believe I was provided proper documentation or communication about the loans accruing interest, capitalizing, and continuing to be active while my daughter continued her schooling. I understand that these loans would accrue interest despite being placed on deferment during XXXX  school, but I believe there have been missteps in policy and communication throughout the process that have led to a much higher principal balance now. 

I am grateful for any assistance that can be provided on tracking down the path of these loans through multiple agencies, including a collection agency. When I reached out to XXXX earlier this year, I was provided with the documentation that I've attached. I don't believe this is expansive or a full representation of the path these loans have went through which have led to their ballooning in value, but it is all I have received, with some redactions being made for some reason. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
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:
I have sent XXXX  and Trans-union everything that they ask me to send them to show that I was a victim of identity theft

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 2023-06-10
Company: Experian Information Solutions Inc.
State: CO
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 not contracted any loan or loans

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 2016-05-08
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I am writing describing Kohn Law Firm, SC in XXXX, WI. 
I am a single parent ( with a degree mind you ) ... on state assistance for my son and myself. Due to the economy and low wages, I have to work XXXX part-time jobs and gone from my family 14 hours per day, I am still in the poverty line and receive state insurance and up until a month or two ago, food stamps. 
After repeated harassing calls ( leaving me crying with their rude put-downs ), I asked if they would settle with me and if I could make affordable payments. They firmly let me know that it is too late for that. I also asked if they would please give detailed charges of the actual bill as that I am not sure that I owe that amount. They said that it is too late for that! They were rude and had me crying on the phone several times until I mentioned the Fair Debt Collection Act. 
I filed and faxed Kohn Law Firm 's exemption form garnishment form. ( I talked on the phone to them about receiving this form as they kept it from my knowledge though another debt collector offered it, and exempted me from garnishment ). 
After explaining this, Kohn Law Firm finally agreed and mailed me the garnishment exemption form.I filled it out, faxed in my state assistance proof to Kohn Law Firm and gave a copy to my employer as well. This legally should have released or exempted me from garnishment. However, Kohn Law Firm proceeded to garnish my wages anyway. This is illegal as I am on state assistance. 
Working XXXX part-time jobs as a single parent, I am unable to now provide enough income to support my family. I looked into the history of Kohn Law firm and their illegal practices. They have repeatedly violated the Fair Debt Collection Act. Please help meas I have to borrow money from XXXX just to feed my children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: TN
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:
In XXXX of 2020 I sent XXXX, EQ, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to XXXX, EQ, XXXX through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I am contacting you about my Barclays XXXX XXXX XXXX. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my account for a very long time by adding hundreds of dollars to the opening balance each month so that it is always different from the balance carried over after payment the previous month. For example for a balance of {$500.00} ending the month of XX/XX/XXXX with no other purchases they will make the opening balance {$590.00} plus the new interest charges for the month of XX/XX/XXXX. The interest charge is also doubled to twice the amount it should be. Each time you contact them they send a cut and paste response that does not address the thievery. You can never continue a conversation started because there is no way to reply. Instead the top of each of their replies start with " This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab. '' The last reply I got onXX/XX/XXXX from them attempted to lie and explain the fraudulent interest calculation with an open sentence that they did not even bother to finish. " At this time we would like to confirm your interest charge is calculated using the average daily balance for the entire billing cycle and includes new purchases, it is not based on the beginning balance. The amount of XXXX showing on your statement under the 'Interest Charge Calculation ' section is the average daily balance for your '' I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. 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 2022-09-27
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 has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 a account without my hand 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 2021-05-21
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: Account information incorrect

Complaint:
On XX/XX/2018 I received notifications of unauthorized activity on my XXXX XXXX Credit Card account # XXXX while serving in the XXXX. I contacted a representative at the bank regarding the matter and was told my account had been locked. I then asked to open a dispute and was told i would have to call back at a later time and do so. Upon calling back multiple times the matter was never handled causing inaccurate debt to be placed on my credit.

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 2023-01-05
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
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 a accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-08-25
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - a new tradeline appeared on all 3 credit bureau reports, and listed as collection account.

I have not previously heard from this company, nor did I receive any written correspondence.

I immediately sent a letter to them to validate the debt but have not received back any validation.

I also disputed with the credit bureaus and the dispute came back verified.

They placed a name that I have never used on my credit report and I had to dispute that too, as it's not my legal name.

Tradeline lists as JH Porfolio Debt Equiti and lists a contact info at XXXX XXXX XXXX XXXX, which is false information.

This is in direct violation of Fair Debt Collections Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
please remove fraudulent/unauthorized inquiry by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. Or provide proof in writing within 30days

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 2022-05-20
Company: CITIBANK, N.A.
State: VA
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 and funded my checking account for {$50000.00} with Citi on XX/XX/2022, for the advertised {$700.00} new account bonus. Terms stated that the balance must be maintained more than 60 days to get the {$700.00} bonus. I was only awarded a {$300.00} bonus after maintaining the balance for XXXX  days.

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 2023-08-13
Company: OPORTUN FINANCIAL CORPORATION
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have spent the past six months, trying to pay off a loan that was taken fraudulently in my name via opportun for maybe {$1000.00}. Back in XX/XX/2022 I called into Oportun and was told that on a recorded line, my payment has gone through. I was given a confirmation number. It was told I have nothing else to worry about. I had to call and make payment because the online portal payment portal would not allow me to make a payment to my account. It was stating that my account was closed even though I still had a balance when I called the rep told me that my account was closed even though for some reason there was still a balance in that he was also unable to take up a payment due to bring his supervisor who then told me that she could take the payment use my debit card after about four hours of being on the phone they finally said that they took it off my debit card and they said it would post within three business days which was suspicious because its a debit card. It should be instant instant, but since they provide me with a confirmation number I figured that it had to be legitimate fast forward six months the delinquency reported on my credit score with this account for being 131 days late when I was told that it cleared I called back the company and I gave them the confirmation number, and they told me that the confirmation number does not exist, and if there was no documentation or notation of me ever try to make this payment, or being told that it was paid through, then try to extort me for {$610.00} tell me that theres nothing that they can do at which point I report it as fraud. The whole entire loan was not taken out by me I dont know who took it out. It was taken out online and this is a shady shady company. They transfer me seven times not even warning me before I transfer it every single time after re-explain the situation to the next XXXX  Im talking to you. so finally they say that theyre going to file a fraud report. This was last week I called back this week for an update so Im told that they will be contacted in 3 to 5 business days and Im told that the report was never filed and no documentation exists I have now been denied a mortgage because of this delinquency they are lying to me search my face theyre not giving me answers. They refuse to transfer me to the legal or fraud department. They want to give me the runaround for hours and hours and hours and hours nobody has the answers nobody can help nobody has any solutions all they try to do is collect the money from you when Im Im not going to pay it. The total balance with my account became close. It was {$210.00}. Now its {$610.00} isnt that interesting? They need to remove this XXXX from my credit score and remove this loan from my name. Otherwise the only one going to complain here I will be filing litigation against him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: IL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company harassment me repeatedly for a debt I didnt owe and violated my rights. I didnt give them permission or authorization to share my personal information and the debt was paid for and they charged me in error. I was closing on my home and they made me pay on a debt I told them I didnt owe and because I didnt know the law I didnt know my consumer rights at the time. I have proof the violated my rights on the invoices they mailed and the multiple calls I received at inappropriate times.

Company response to consumer: Closed with explanation