BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: CA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Acct # XXXX, XXXX Bank XXXX Acct # XXXXXXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # : 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 a account 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 the following 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 2023-08-07
Company: Upgrade, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank put a restriction on my account for suspicious activity I called the bank they said they should lift the restriction within a week. Its been going for XXXX weeks now and XXXX cant access my funds. Every time I call they give me the same answer whichs wait for an email with further instructions I really need help resolving this or Im going to end up in the street because I have t paid rent Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: ID
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX n accordance with the Fair Credit Reporting Act XXXX 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 account 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 the following items of information any other adverse item of information, othe than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
So basically the week of XX/XX/21 I called Navient and asked how can I get late payments from XXXX XXXX off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on Navients ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my XXXX XXXX and XXXX collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 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 2023-03-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX acct. num. XXXX XXXX XXXX acct. num. XXXX amount {$2800.00} XXXX XXXX acct. num. XXXX amount {$420.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$860.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$750.00} date XX/XX/XXXX XXXX XXXX acct. num. XXXX amount {$100.00} XXXX acct. num. XXXX amount {$11000.00} XXXX XXXX acct. num. XXXX amount {$690.00} date XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$14000.00} date XX/XX/XXXX XXXX XXXX XXXX acct. num. XXXX amount date {$2300.00} XXXX XXXX acct. num. XXXX amount {$350.00} date XX/XX/XXXX USDOEXXXX acct. num. XXXX amount {$22000.00} date XX/XX/XXXX USDOEXXXX acct. num. XXXX amount {$10000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$710.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$180.00} XXXX acct. num. XXXX amount {$790.00} XXXX acct. num. XXXX amount {$440.00} XXXX XXXX acct. num. XXXX amount {$340.00} XXXX acct. num. XXXX amount {$440.00} 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 a account 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 the following 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 have 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 2023-08-08
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  has sent a debt consolidation loan to serve me papers to sue me for the cost of XXXX. That includes court fees and fees. I tried to make arrangements with them and in the meantime I pay XXXX law to help with my low credit score. I was informed by them they were aware of this and sit tight. I called them on my own after many papers repeatedly saying the same thing. But before that I didn't hear anything about paying XXXX dollars a month.so now when I call burley and associates all I get is there is a red flag on your account and I can't say nothing. Well we're is my rights in all of this. I can't even have the chance to explain my situation. I work part time 20 hours a week, for minimum wage. For which is a temporary job that will end at the end of XX/XX/2023. For which always I was hurt on the job and trying to work while being on workman comp. I do not have it or I would pay. I tried years ago with a debt consolidation agency but after 2 years and XXXX dollars a month I couldn't pay and they dropped me. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXXXXXX 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2020-06-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I purchased a money order from Chase bank for {$560.00} to make a child support payment. When I asked the teller for a money order, she asked me to insert my bank card into the reader and enter my pin. At that point she could see my account and had it open. I paid for the money order with a debit charge of {$5.00} and the {$560.00} was debited from my account that day, I am not wealthy, so I keep a close eye on my finances, also I am running a small business from the same account, so I keep an account of every penny spent. 
As luck would have it, I misplaced the money order, filled out to the child support agency and in a stamped envelope. I immediately called chase to report it, they directed me to the branch where I purchased the note and get a new one. 
On XX/XX/XXXX I went into the branch in XXXX AZ, where I bought the money order and approached the same teller at the same window. I told her my story, she looked up the money order and said it was " processing '', looked concerned for a moment and then said she could not find any money order bought by me on XX/XX/XXXX. She said she saw the previous month, but not XX/XX/XXXX. I did not have the receipt with me at the time. I called and emailed XXXX XXXX the branch manager, She told me that the money order did not exist. I looked in my account and it was GONE! 
Later, I found the receipt. The story changed from XXXX XXXX after I showed her the receipt and a photocopy of the actual money order. 
Later, some good Samaritan found the stamped envelope and mailed it. My child support arrived and was cashed. Imagine that, a money order that doesn't exist being cashed ... 
Chase bank then proceeded to tell me that the money had been originally debited from someone else 's account and that they were going to recover the funds from my account, and that the XX/XX/XXXX money order that magically vanished was now found, but I had never paid for it. and sure enough, they did. 
So to recap, I bought money order on XX/XX/XXXX. I saw the money taken from my account. I lost it on XX/XX/XXXX. I made it to the XXXX branch on XX/XX/XXXX with no receipt. They told me the money order never existed, and my personal records don't match the bank 's suddenly. Then I emailed XXXX XXXX my receipt. XX/XX/XXXX the bank has a new story. I have records of everything and point out the holes in her story. now, XX/XX/XXXX XXXX XXXX will not return my calls or emails. I have repeatedly asked her to write me an email with a detailed explanation of what happened or some evidence of her claim. She refuses and will not communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: SC
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:
Account Name : XXXX XXXX XXXX  Account Number : XXXX On the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was marked as being late on my credit report even though I called and made arrangements and accommodations was made. My account is now current and was current prior to XX/XX/XXXX. According to the CARES ACT " If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the XXXX national emergency ends '' I have contacted the credit bureau as well as the creditor and nothing has been done which is against the law and my rights given to me by the CARES ACT. 

Equifax is currently violating my rights given to me according to the CARES ACT by showing late payments for the above dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had opened a Wallet on Coinbase. I wanted to invest some money, when I joined a smart mining pool. I initially placed {$16000.00} in the pool, and within a week it had disappeared. I called Coinbase to report the matter immediately after I noticed the money was missing, and they asked me if I had shared my security key with anyone, and I said I had not. They said that no one had access to that wallet, but they would investigate the matter for me to try and get my money back. I had told them that I had joined a smart mining pool, but they did not say anything to warn me about that that it could possibly be fraud, they simply said nothing, other than they would investigate and they put a freeze on my account so no one could access it, put money in or take it out. The next day I received a phone call from someone saying they were from Coinbase, and said that the transaction was legit, that they were running the smart mining pool that I had joined, and that they had taken the funds and moved them to another account, and that if I would invest another {$50000.00}, I would receive my money back that had been taken, along with double interest, the reason being was to promote their company with more assets. I tried to call Coinbase back to see if this was legit, and I was not told anything at all, other than they hadnt heard about it. Again, I was not warned about anything, I was not told to look out for anything that this could possibly be a scam, and then Coinbase allowed my account to be unfrozen, at which point I invested the money and lost all of it as well. Coinbase refuses to accept any responsibility or help me in anyway. I am willing to accept the loss on the first investment of the XXXX, but I have asked that the other XXXX be returned, because I feel that they were negligent, and did not help me or warn me of any dangers. They will not respond to my complaints they will not respond to anything at this point, and I am seeking help in this matter. It started on XX/XX/XXXX, I had the first initial I taken about XX/XX/XXXX, at that point I called Coinbase, and I lost the rest by XX/XX/XXXX. I was told the only way to get my initial investment back, was to invest another XXXX. I cant get help from anyone in this matter, it has caused me a great deal of financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
on XX/XX/2019 my car was totaled in an accident but it was still drivable after I put new axel tire & rim the insurance didn't pay the clam after 3 months the loan company said I would have 2 keep making the payments witch I did 4 about a year XXXX never paid the clam the car was leaking inside when it rained so I stopped paying on a totaled car then they repossessed it now I have a repo on my credit the car was only worth a few XXXX dollars very weird practice in my eyes so I got XXXX by XXXX & c.p.s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: MOHELA
State: IL
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:
On XX/XX/2023 I paid off my student loan balance through Mohela, my absolutely incompetent servicer. I have the documentation of the payment confirmation, the withdrawal from my bank account and the following XXXX balance from the Department of Education. 

Following my payoff, the department of Ed gave the money back. I have not been abler to find out why because they have not responded. If it's for forgiveness, I would like to know. However, I believe it must be for continuing gaining interest. 

Soon after reaching out to the department of Ed to submit a complaint about Mohela, they then brought my balance back from 0 to the original amount. Nowhere in this was I ever contacted. 

My servicer then began charging interest, now I have to pay at this time {$11.00} more but it will continue to accrue simply because no one accepted my payment and no one is responding. 

At repayment, the servicer system said I would be overpaing due being in auto debit, which I am definitely not in. They are a new servicer! It switched during the pandemic. they know this because on their website dashboard, it says a warning about lowering my payments if I choose to sign up for debit. 

This is all evidence that they can not handle the crucial data management required for loan servicing, who knows what else they have mishandled leading to incorrect payments for myself and others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to reach out to Debt Recovery Solutions LLC with a HIPPA compliant regarding a debt they say i owe and asked to validate. I sent a validation letter also asking for the proof of my written consent that i gave permission to XXXX XXXX XXXX XXXX  releasing my medical information to Debt recovery Solutions LLC. I sent a certified letter back on XX/XX/2018 and have not received anything back as of XX/XX/2018. As in the FDCPA it has been more then 30 days and i am seeking this so called debt to be removed from all 3 credit agencies due to no response back.

Company response to consumer: Closed with explanation