BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: Diaz & Associates, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was informed that the mentioned business called my place of work and a message was taken. I then called the company and a XXXX answered and verified my information. I asked what this was in reference too. He then advised that it was in regards to a account in collections that his office received today. I inquired to what account and for what amount was in collections. He advised me that it was for a XXXX Account from XX/XX/XXXX for an amount of {$990.00}. He also advised me that they were trying to get in contact with my local police department to serve me with a summons to appear in court. He gave me the information and gave me two payment options. I then paused while I was looking up the business on XXXX. He kept asking me if I wanted to take care of this and I told him to hold on for a second. I did this 3-4 times. He got angry and advised me since I would not take care of this today he was going to put it onto my credit history. He then got even more mad and told me he did not want to talk to me anymore and not to call him. He then hung up on me. I was never given a debt collection statement. I also asked him to verify the debt and he refused. He stated that they sent something out in XX/XX/XXXX for a account that was given to there office today. I then called the company back and spoke with XXXX again. I told him I think we got disconnected and he said he hung up on me and that he doesn't want to talk to me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Public record information inaccurate

Complaint:
On XX/XX/2022 I submitted a CFPB complaint ( XXXX ) accompanied with my FTC report as well as an affidavit, copies of my identification notifying you ( Experian ) of inaccurate bankruptcy filings being reported on my consumer credit report as a result of identity theft not related to any transaction of my own. On XX/XX/2022 you responded to my filing stating that you are in the process of contacting data furnishers to verify accuracy of information. This is a direct and blatant violation of 15 U.S.C 1681c-2 which clearly states : " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: AES/PHEAA
State: NE
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 consolidated all my loans to XXXX XXXX in XX/XX/XXXX to participate in PSLF and get a payment plan with IBR. In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, they were transferred again to FedLoan Servicing when I submitted my first employment certification. From XXXX, I was awarded a yearly XXXX XXXX XXXX Grant for my employment as a XXXX   XXXX. In the fall of each year during the grant period, a lump sum payment of several thousand dollars was made to my loans. Additionally, I also paid my monthly payments in a timely manner. Sometime in fall XXXX, I was on the phone with my servicer about payment plans. During that phone call, the customer service rep just happened to mention that I was on pay ahead status due to the lump sum payment made in XXXX. She also told me that due to the pay ahead status, I would not be given any credit for the payments where I was on pay ahead status even though I made them every month. I then asked never to be placed on pay ahead status. Due to that error and not knowing this was an issue, I missed out on 8 months that could have been calculated towards my 120 payments. I was able to narrow down the window of time from around XXXX/XXXX XXXX to about XXXX/XXXX XXXX payments were not considered for PSLF. At no time did XXXX XXXX, XXXX XXXX or FedLoan Servicing ( all three companies were holding my loans during the aforementioned time ) inform me that the lump sum payments would not be counted towards PSLF nor did they seek my consent to place me on pay ahead status. The additional 8 months is significant because that could mean I am eligible for loan forgiveness in XX/XX/XXXX rather than XX/XX/XXXX. This amounts to about {$2800.00} in potential overpayments. ( I won't even get into the times FedLoan Servicing put me in forebearance automatically when I was switching payments plans ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
This is the 10th attempt to resolve the issue with Fair collections & outsourcing I have sent in FTC report and a police report stating it was identity theft and they are still saying I need to send them their affidavit. Today I sent the company an affidavit. Fair collections & outsourcing , Inc . is illegally reporting to my consumer report. Ive never given Fair collections & outsourcing , Inc . permission to report or even access my consumer report, Fair collections & outsourcing never validated any alleged debt, fair collections & outsourcing has defamed my character, caused multiple injuries to the point I was XXXX because of this alleged debt. Fair collections and outsourcing is using unfair practices by reporting to my consumer report. I sent a request for validation again XX/XX/XXXX and the company responded with a letter that has multiple violations I recently received XX/XX/XXXX. XX/XX/XXXX i the consumer sent Fair collections and outsourcing a cease and desist, affidavit of truth, a consumer violation invoice and EXHIBITS sent certified mail return receipt. Fair collections & outsourcing inc. has never tried communicating the alleged debt with me because There was no way to do so without i the consumer having an address there is no right for them to be reporting because they are illegally reporting. I have tried numerous times to dispute the alleged debt and fair collections & outsourcing willfully continues to XXXX, defame my character and use illegal tactics to collect the alleged debt. 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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I HAVE FILED A COMPLAINT ON XXXX AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2022-10-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card with Children 's Place store chain, via Comenity Capital Bank. I was solicited in the store to save a significant amount off of purchases and earn rewards in purchases in their stores for my children. I have always kept my account in good standing and paid any charges off within the same month I made them. 

in XX/XX/2022, I paid off my last balance with them and had not made any new purchases. Suddenly in XXXX I saw that they had reported my account as being paid late so I logged in to check why. They have been charging me a " Minimum Interest '' of {$2.00} a month but I have a XXXX balance. They can not charge me interest when I do not owe anything. I had not made any purchases. 

I paid the fees once in XXXX because I didn't want to continue to be reported as paying late and I reached out to them via the account messenger. I asked for them to correct this issue and to close my account. I never got an answer back and today I see that they are doing it again, charging me minimum interest fees and late fees when I have not made any purchases. 

today I was able to get someone on the phone, from a overseas call center, who was able to close my account with them. Several attempts to contact them have gone unanswered. This is after they've gotten money from me wrongly from these fraudulent charges and not refunding me. I am filing a complaint because this is a fraudulent money grab on their part and while I'm sure many like me are catching it after paying small amounts, with thousands of customers, this adds up for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX, XXXX  AND EXPERIAN IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY

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 2017-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2009 I had gone through an ugly divorce and was left unemployed, with no assets and no transportation. I had to survive off my credit card for a couple of months but always struggled to repay my debt. Capital One began calling me incessantly. I explained my situation to them, but they were unsympathetic. They threatened immediate legal action if my full balance was not paid in full within a matter of hours after having spoken to them. Believing that legal action could jeopardize my immigration status in the United States, I borrowed money from as many people I knew in order to pay off the credit card debt. I still owe loved ones for the money I had to borrow from them. This has hurt my credit and my relationships. I was bullied into an immediate payment. I hope the consumer protection agency can help correct this injustice. Thanks for considering. All my best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was abruptly logged out of my Coinbase account that held XXXX XXXX coins. My password would no longer function, and I was unable to reset it due to access issues with the associated email account. I contacted Coinbase on XX/XX/XXXX as I suspected fraud. Coinbase asked I create a new account and complete ID verification which I completed as well on the XXXX. I was instructed Coinbase would review the ID verified on my previous account with email address XXXX and transfer the funds to XXXX. My Case # is XXXX. Since then I have heard no update from Coinbase and the provided support contact number does not connect to a live rep. I can no longer access my funds due to a simple account issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX Please review documents attached and other complaint.

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 2022-01-13
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
In XXXX I filed a chapter XXXX bankruptcy. I applied for a loan with Upgrade XXXX  include XXXX XXXX. I was initially given a line of credit in XX/XX/XXXX of {$5000.00}. I was given another card in XX/XX/XXXX of {$2000.00} which was reduce to {$1600.00} plus. Due to the pandemic and having to help family members who lost their jobs and were evicted. I have not been able to pay the cards as I did before. I would pay at least {$1000.00} or more on my accounts but never the minimum amount. 

I am a service-connected disable veteran, and all my income is for XXXX from both XXXX and XXXX Department of XXXX XXXX Now that I paid less than what I was paying, both credit lines were reduced. However, when I did pay {$670.00} on XXXX account Upgrade took the money and then locked my account. Then a third loan was created for the amount of the decrease credit line which is charging {$440.00} at an interest rate of 29.49 % and a finance charge of {$140.00} making that loan total {$590.00} and setting up payments of {$24.00} for XXXX payment each month. Which means in addition to the XXXX cards I already have. 

The account with the {$5000.00} was reduced to {$4700.00} and now I wanting to know if Upgrade will set up another account and not tell me like above. 

During a pandemic when people have lost jobs and homes and lives this company is trying to capitalize off people who are having difficult trying to pay the bills. 

Because Upgrade allowed the payment of {$670.00} to be applied to the loan and then blocked the account and I set here with {$10.00} to my name because I had to help my daughter and XXXX children from being XXXX. Because I have many medical conditions the children could not stay. So I got and apartment for them and had to pay money to help. 

How are they going to use the bankruptcy against me when both lines of credit were issued after the bankruptcy and the credit agencies are assisting financial entities to reduce credit limits and then Upgrade create additional loans. 

Looking over the account it looks like this has been done several times and I am just learning about it. I can not believe this is being done to this account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and Equifax both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. XXXX states they manually updated my correct Balance. You will also see in the screenshots that Equifax just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: MOHELA
State: CA
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 still in my program. I called MOHELA and spoke with a representative. I asked if I can pay off my interest as I begin to accrue it, now that it has begun again. They said yes. Since I am not yet having to pay my loans back, the payment I make will go towards my interest. 

I make the payment in XXXX for the interest amount. I go to make XXXX payment and realize XXXX payment when towards the principle not the interest. 

I call MOHELA for day and days and nothing but a 3 hour wait. I am working during the week I can not be on the phone for 3 hours. 

I understand that I can call and speak with someone and pay over the phone and pay my interst that is accruing DAILY. 

But I can not get ahold of anyone. 

Meanwhile my interest is ballooning. 

This is PREDATORY. If there was an easy way for me to pay my interest this would not be a problem. 

WHY IS THERE NOT A WAY TO PAY MY INTEREST ONLINE? 
HOW CAN THIS BE POSSIBLE THAT I HAVE NO CONTROL OVER MY LOAN? 

I wrote a memo with special instructions for a payment and mailed in through the postal service with special instructions to put the check written to MOHELA towards my interest then any left over towards the principle. 

I will have to incur the expense of {$5.00} ea month so that I can guarantee my interest be paid each month. 

I also emailed MOHELA and have not erceived a response. 

My interest accrues daily. I have a plan to keep in manageable by paying it off monthly. 

IF I HAVE NO WAY TO PAY IT OFF MONTHLY. I will no longer be able to manage it and get into debt that I can not pay off and I will be crippled. 

THIS IS PREDATION. and if I am experiencing it so are SO MANY THOUSANDS OF 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 2022-10-19
Company: Experian Information Solutions Inc.
State: MI
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. 

Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXXXXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to resolve this issue numerous times with no avail. I have sent supporting documents showing that I have satisfied two judgments places against me in 2018. One case has been reported twice for the same balance and transunion is only willing to change the status of one and not both. I have provided notarized documents and information for XXXX City Courts showing satisfactory with dates from 5years ago. I am unable to rent and now will be homeless in the next 30days if my records are not adjusted properly. I need help resolving this issue immediately.

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 2022-10-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have tried to get Experian to investigate the errors in the attached documents for over 90 days now. They have not even started an investigation but continue to stall or state that it's not me. They have yet to show any proof that these accounts belong to me and are accurate. Please help me get these removed from my report. They are in violation of the FCRA in multiple ways and have violated my privacy and my livelihood. Please help 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