BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: NC
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:
I called Experian XX/XX/2021 to update personal information, remove unvalidated alleged debt and have adverse information removed from my credit file. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. The agent also refused to remove adverse information and reports that I never provided written instructions for Experian to furnish to my consumer file pursuant to USC 15 1681b. Experian willfully furnished medical information which violates 1681a ( 3 ) Restriction on Sharing of Medical Information. I asked the agent if Experian had written consent from me the consumer to furnish any factual and private information to my credit file. He stated that the consumer 's written consent isn't required for Experian to furnish private information to a credit file. Furnishing an unvalidated debt is fraud pursuant to 1692g.

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 2018-05-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The login process at Coinbase requires 2-step authentication. Unfortunately, I do not have my old phone number ( required to recover the account information ) any longer. The following step would be for me to verify my ID, which would enable me to recover access to my account ( that has {$7600.00} ). 

This all took place in XX/XX/XXXX. Since then I have talked to representatives from Coinbase that would work with me to verify my ID and recover my account, however I have been with no response since XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Coinbase 's customer support 3 times, and every time they have promised a response in 24 hours - which failed to happen every single instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Quality Asset Recovery LLC
State: SC
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:
SECOND REQUEST!!!! 
Company is refusing to remove the item from my credit reports. The item is a valid identity theft issue and the company refuses to validate this account which is also a violation of the fair credit reporting act. I want signatures and social security numbers, address or else I will be forwarding this to a consumer attorney to sue them directly. You also never mailed me the first collection letter giving me the opportunity to contest this collector account. You have violated my rights in three different ways and I will continue to fight this legally!!!!!!!

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 2018-03-16
Company: BARCLAYS BANK DELAWARE
State: CO
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:
InXX/XX/XXXX and XX/XX/, my Barclays Master Card showed a charge for {$100.00} each. The payee was The XXXX XXXX XXXX. I had terminated my membership with them in XX/XX/. There were no more charges afterXX/XX/XXXX ( or XX/XX/XXXX? ) ofXX/XX/XXXX. Then, in XX/XX/XXXXand XX/XX/XXXX, they charged me again. 

I called the XXXX XXXX. They stopped further charges but never refunded me the {$200.00}. I then filed a dispute with Barclays. They asked me, naturally, for a report. Even though I already gave them all the facts in my first complaint, I did it all over again. Then they gave me credit for the charges. Then they left me a voice message and demanded I give them the facts again within like 2 days of the message. I did not get the message until after their ( arbitrary ) deadline. Nonetheless, I also got a letter in the mail requesting -- once again -- the facts. I -- once again -- gave them the facts. I received an email telling me that my case is closed because I did not respond ( XXXX! ). They reversed the credit and I am again out {$200.00}. 

The XXXX XXXX is NOT entitled to my money. Barclays is violating the lw with their non-actions and ridiculous run-arounds. 

It is YOUR job to enforce the laws. DO IT! 

Barclays is doing this because they know darn good and well that the XXXX XXXX in the White House appoints other XXXX XXXX to the agencies who then sabotage the mission of that agency. Like destroyers of the planet for the EPA. Or oilmen for Interior. Or incompetent XXXX for Secretary of State. Or XXXX, XXXX, XXXX XXXX XXXX for Dept of Justice. Therefore, I have no illusion that the Consumer Financial Protection Agency, hero XXXX XXXX 's super accomplishment, will actually do anything about this. In fact, you all ( XXXX appointees, I am talking to, not career workers who have to suffer ) probably got together with the big banks and made lucrative deals to stick it to the workers, consumers, and small, local banking outfits. 

But I am making this complaint anyway, because I dare you, XXXX XXXX, to actually ignore 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 monetary relief
Consumer complaint received 2019-05-25
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Each company, Midwest Recovery and XXXX XXXX have reported the exact same debt twice ( {$720.00} ) on my credit report. I disputed and XXXX took it off. I have no knowledge of the debt to begin with because I had insurance at that time ( Medicaid ) which covers 100 %. The same is true for the other amount of ( $ 1000+ ) XXXX  found that this was not valid and took it off. I believe they did on XXXX too but then it pops back up as a brand new collection after taken down. I do not owe those companies for anything as they have not provided any service to me. I feel I am being harassed by companies trying to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am under a monthly payment contract with XXXX XXXX XXXX. I have enclosed a copy of the contract for your review. I have NEVER been late making payments under the terms and conditions of the contract, therefore I have not breached the contract. I have complied with the terms and conditions of the contract. The contract does not end until XX/XX/XXXX. XXXX XXXX XXXX BREACHED the contract by involving Harris & Harris. The contract states that " this contract is valid unless I cancel through written notice to the facility. '' I do not owe XXXX XXXX XXXX any money nor have I ever paid them any money nor I have ever received any notice stating that I owe XXXX XXXX XXXX any money. I want the fraudulent collection account posted to my credit reports on XX/XX/XXXX listed by Harris & Harris in the amount of {$6500.00} removed immediately from my credit reports with XXXX, XXXX and XXXX. I have also enclosed proof of payments made directly to XXXX XXXX XXXX under the terms of the contract. I would totally understand if I had broken the terms of the contract by failing to make timely payments or by not paying the full amount due by the end of the contract, however, I HAVE NOT! The monthly payments have been made by automatic deduction from my credit card account, I have the credit card statements for proof of payments made directly to XXXX XXXX XXXX. The original bill was {$19000.00}. I am happy to continue my monthly payments to XXXX XXXX XXXX under the terms and conditions of the payment contract and to make sure the full amount is paid off before my contract ends in XX/XX/XXXX. All I ask in return is to have the fraudulent collection account listed by Harris & Harris removed from my credit reports. I contacted XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX regarding the contract, she stated that she was not willing to resolve the issue and transferred me to the voice mail of XXXX ( account manager ). I left a voice mail with XXXX and as of XX/XX/XXXX she has not responded. I have already had a creditor take negative action due to the fraudulent collection account on my credit reports by reducing the credit limit on my XXXX XXXX credit card form {$17000.00} to {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a capital one credit card since XXXX and I never missed a payment. I usually made payments through my XX/XX/XXXX account. Fast forward to XXXX I lose my debit card from XX/XX/XXXX so i start making payments from my sisters bank account. On the capital one app there is no option to delete a payment method! Only to add a new one! So I add my sisters debit card and make a payment ( ON TIME ) the next month comes around and I go on the app and make a payment for {$300.00}. Unknowingly choosing the wrong bank account ( because theres no option to delete a payment method that you can no longer use ). After a week I get a notification saying that the payment was returned. I call capital one and they say to call my bank. I call my bank and they tell me the funds are available that there shouldnt be a problem. Now at this moment I have no idea that I chose the wrong payment option so I dont know whats going on. Next monthly payment is due and I try and make a {$1000.00} payment I wait a week while it says processing and after that week it tells me returned again. So I call capital one again and they tell me to call my bank. Now this time I call my bank and the lady tells me she doesnt see any transactions for {$1000.00} and thats when I went back on the app and saw that I had been choosing the wrong payment option! So I chose the right option and made the payment and it went through only for capital one to close my account a week later because of fraudulent activity how is this fraudulent activity? It wasnt a random account I was trying to make the payment with it was a account that I had used to make payments for 2 years! Because the capital one app doesnt have the option to remove payment methods! I think it is very unfair for them to have closed my account because of 2 missed payments. When I called capital one they said there was nothing they can do and there was no way to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been paying XXXX  monthly to Portfolio Recovery Services. The last payment was XX/XX/XXXX. They are telling me if I dont set up a payment plan they will continue to harass me. I can not afford to do a payment plan because I am unemployed and dont know how much I am going to be getting every month due to the unemployment amounts being so varied. 

They have called me 3 times a day starting XX/XX/XXXX. I explained to them my payment was paid on XX/XX/XXXX but they said they wouldnt stop calling unless I set up a payment plan for the next payment. 

I told them not to call back but they have repeatedly done so. I have talked to them 4 times since XX/XX/XXXX and had 3 missed called a day since then as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: Navient Solutions, LLC.
State: FL
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:
My loans began in XX/XX/XXXXwhen my first of 3 children went to college. These were government loans through Sallie Mae. These loans went through various payments, deferments, etc. while various payments and interest was applied. In XX/XX/XXXX, there were 2 loans left and they were consolidated and a set amount was paid monthly on time since then. Progress has been slow because the interest rate is 8 % and in many discussions with Sallie Mae, they advised the way to get ahead was to apply lump sums to the principle and that will help move closer to paying these off. Navient is the servicing company now and I have started making lump sum payments but they refuse to apply them as I ask ... They take the interest and say they must split my payments and take all their interest first. This is illegal and they are stealing money from millions of people trying to pay back loans. I see that there is a pending law suit for just this practice and I want to join in because they have done this and I am forced to continue to work at age 70 to pay these off. I support paying for my loans but they are trying to make themselves rich at others expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Erroneous information ( liens and bankruptcy ) being reported on all 3 of my credit reports.

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 2020-05-01
Company: BANNER CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On the morning of XX/XX/XXXX, I had a balance of {$.00}. I have a budget and a certificate in bookkeeping and know how much money is in my checking account at all times. I deposited my stimulus check at approximately XXXX XXXX and had a balance IN THE BLACK of XXXX. Well, now, my prestigious bank is saying that I had been overdrawn following the last statement on XX/XX/XXXX. This bank is constantly fudging the dates of my purchases and sometimes money just disappears. I may have XXXX  issues, but I'm not stupid. They are exploiting the poor, XXXX, and most vulnerable in society. It's Banner Bank based in XXXX XXXX, Washington. 

My Social Security Number is 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 2020-05-01
Company: Ability Recovery Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In complaint XXXX dated XX/XX/2017 this company responded to a complaint I filed with your bureau and advised that they would be removing the account from my credit as promised in the next credit cycle. To date that has still not happened. I have both contacted the company directly, and disputed online at least 5 times and each time the company replies that it is reporting correctly. This is still negatively affecting my credit, and stopping me from obtaining new credit/credit increases. It has negatively affected my interest rates. I don't know what other recourse I have. This is my third time reaching out to this bureau for this account to be removed as the company told me they would do, and then you as well.

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 found out I was a victim of identity theft in XXXX of 2012,. I have been fighting and fighting accounts that were on my credit file that does not belong to me and was unauthorized by me for that many years. The Police Department, the Federal Trade Commission, my Attorneys at XXXX XXXX XXXX, the three Credit Bureau Agencies and the Credit Rights Organization were all officially notified. XXXX and XXXX had blocked all of the fraudulent accounts per the official documents received. However, Transunion left one account that is officially labeled as fraud, and told ME that it is NOT fraud, and that they verified that it belonged to me, which is impossible. I received no notice as to why they did this, because it was NOT filed or authorized by me. Therefore it is not even a question of is it mine or not, if I am telling you and filing legal documents under oath that I did not authorize it. Therefore it is your job to remove it under 15 U.S.C. 1681-c-2, 15, U.S.C. 1684m ( f ), 15, U.S.C. 1684s-2 ( a ) ( 6 ), and Under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ).

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern, on XXXX I  called up 2 credit card companies which I am an authorized user on my cousins cards. For some reason they are not showing up on my credit report. I called up both companies and on there end, they stated I was reported and they had no problems. The 2 cards are melaleuca by XXXX XXXX ending in XXXX and the other is XXXX XXXX ending in XXXX. I was told that I have to notify each credit service and they will fix this misunderstanding and update me on credit report. As I have been paying with no problems since added by my cousin.

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 2020-05-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was on the phone with an Ace Loan Person as they were walking me through the signing process on XX/XX/2020. The contract says XX/XX/2020 which is wrong. I am going through my Documents sent back to me on XX/XX/2020 and they arent matching what I was told or signed off on originally. It doesnt say the APR exactly on the Credit Disclosure Statement it just Annual Percentage Rate Example : 568.39 % the CSO fee XXXX and the interest of {$18.00} for example. I went to compare my documents and it has for example : 469.10 % cso fee {$1300.00} interest of {$20.00} you get to the MP on the documents and it says XXXX is the actual percentage rate and the their numbers for example arent adding up and are very misleading if they are just for example. In the first forms they arent giving you the real on their loans. Its for example and you are being mislead by what you really will be paying. I even asked the guy who I talked to on the phone my monthly payments and asked questions and he was misleading. He never mentioned the APR exactly. He never explained the ridiculous fees. They need to be upfront exactly about what youll be paying and better people over their phone line with explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Re Barclay card XXXX XXXX Plus Rewards card ... I received a text message about possible fraud on my account and replied that the charges were fraudulent. My son was overseas and a company listed as XXXX XXXX in XXXX, XXXX repeatedly charged enormous amounts of more than {$2700.00} on his cc which is linked to my primary account.I have checked this company and they have multiple claims against them and class action lawsuits for this type criminal behavior and worse! They had the card with the chip and repeatedly charged the card before returning it to my son.Barclay card should have had a security protocol that prohibited such large charges overseas until I replied to their text to confirm their validity or lack there of. Every other cc dies this in this day and age of scammers. By the time I replied to the text message that Those charges were unauthorized, it was too late for barclay card to care! Barclay card customer service was rude and robotic and once the merchant produced signatures that anyone can forge once they have one signature, that was good enough for barclay card. They closed the case and instead of backing up me as the consumer backed up the criminal merchant and insisted I pay for fraudulent charges on my 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 explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to place a credit freeze with Experian and found the website unresponsive, the site is without graphics and the freeze button is not responding. 

This looks like an attempt by Experian to game the regulations by making it difficult to impossible for security freezes to be implemented.

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