BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, my name is  XXXX   XXXX . I have tried to no avail to get assistance with AES/ XXXX  customer service on so many occasions that I can not remember them all.   I have been told that my account was so far gone that even if I did make payments the interest alone was so high that I would not be making payments on the loan amounts for a long time. I have tried emailing, calling, and sending requests through the online mailbox on website. As you can see, these loans have been in existence for some time. I decided to go back to college and get my special education license to be able to make more income and do the job that I loved. Through those college years, I was only offered forbearance 's and deferments on the loans indicated below and as you can see the balance of each loan has either doubled or tripled in size, the payments are more that what any college graduate could possibly pay with no jog right out of college, and no other options were given from  AES an d I have contacted  XXXX  Several times as well. I do not know what to do about this situation.  XXXX  has ruined my credit by placing prior accounts into default on my credit report when in turn they were just being transferred to another servicing company for their accounts. I get no help or attention from the customer services nor any advice about how to help.   I have had to dispute abou t 8  different postings to my credit that were not even supposed to be there to begin with. Some of them have been repaired but I am still filing to get the others reconciled but I feel that even though they are reversed they still remain there as a reminder that I should have been more informed about private loans and done something different.     Date Disbursed Loan Program Original Balance Current Balance Outstanding Interest Interest Rate Monthly Payment Past Due Current Due  XXXX   XXXX / XXXX / XXXX  AADTC {$12000.00} {$18000.00} {$170.00} 6.500 % {$100.00} {$100.00} {$100.00}  XXXX   XXXX / XXXX / XXXX  AASC {$11000.00} {$22000.00} {$93.00} 11.750 % {$220.00} {$0.00} {$220.00}  XXXX   XXXX / XXXX / XXXX  AASC {$18000.00} {$32000.00} {$130.00} 11.500 % {$310.00} {$0.00} {$310.00}  XXXX   XXXX / XXXX / XXXX  AASC {$9500.00} {$15000.00} {$57.00} 10.740 % {$130.00} {$0.00} {$130.00} I do not know where else to turn or what to do. I guess bankruptcy that would definitely negatively affect my credit because they have given me no other alternatives.   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: KEYCORP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am requesting that the alleged debt be waived because of the following exceptional circumstances : My father was diagnosed with a health problem that has impaired his ability to work  and drive .   Giving his current financial status and health problems he can no longer fulfill the terms of the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX, I transferred SHIBA from my Coinbase Wallet to my Coinbase SHIB Wallet account, I paid the required fees as mentioned but still have not received my money in the SHIB Wallet of my Coinbase account, Have tried to send emails, call Coinbase, send all the pics and images but there has been no response and Coinbase in obstructing and holding my SHIB fund money without any update or response. If you can please help me recover my XXXX $ plus XXXX $ from Coinbase Wallet, this is the amount as of XXXX at XXXX, would really appreciate your help and prompt resolution Thank you Sincerely XXXX XXXX XXXX XXXX XXXX @ XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo is not allowing XXXX XXXX access my account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Global Asset Management Group, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by XXXX. XXXX on XX/XX/XXXX. He threatened to sue me and arrest me if I did n't pay off a debt to him. Out of fear, I gave the requested {$500.00} that day, followed by an additional {$200.00} every month following until XX/XX/XXXX. After investigating, I learned this company is a debt scammer, not licensed in the state of California, and not applying the money given toward my debt as verified by my triple consumer report from XXXX. <P/>After canceling the financial information, I received 3 calls that day threatening to sue me once more.

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 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On the day of XX/XX/18 a contract was signed with Capitol One Auto loan for a auto loan that was for {$17000.00} that was misleading and false representation of the amount of the debt violating consumer rights ( 15 USC 1692e ) if there is any debt owed the amount should be shown in the negative amount. These amounts are allegedly owed by the consumer showing in the positive. Unfair practices by the debt collector have also been taken ( 15 USC 1692f ) the debt collector failed to send the consumer 3 of the 5 written notices upon notice of debt ( 15 USC 1692g ) ( 3 ), ( 4 ), and ( 5 ) the auto contract also states under the section Security Interests ( the security interests you are giving us secures all amounts owed by you under this contract and all other agreements you have made in this contract ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of XXXX. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, Equifax and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian and XXXX are reporting a bankruptcy on my credit report that was never filed on me. My husband filed bankruptcy and I was never included in the bankruptcy. I am asking that they send me proof that I was on bankruptcy papers and where they got them from because I verified with the bankruptcy people that they do not give out info to the credit bureaus. Please give me documentation that shows I am listed on a bankruptcy filing that you have proof of the info on the filing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax, XXXX, XXXX XXXX All three agencies are manipulating credit scores to their advantage. For several months ( about 7 ) my credit score was slightly below 600 ( XXXX ). As I was following all of their guidelines on how to restore my credit slowly for years my credit score would only go up one to two points at a time. As I was about to go over 600, my credit score plunged almost 54 points and advertisements for credit boost ( which takes data from your personal checking account on an insecure breach ), and various other ways to improve my credit AT A COST, or enrollments of a program again at a cost or ways for these companies to gain more personal information such as checking account information which is just another wormhole to data. Even use fear based advertisements such as, suggesting I keep a closer eye on my credit reports by paying a fee to watch all three reports closely! Why do we as a public entity have to pay to see what our credit scores are when these agencies are taking our data for free!!!!! 
They are stealing my data to gain monetary satisfaction for their corporations! 

Because they have manipulated my score I am actually paying higher interest rates on student loans, car loans, can't get a mortgage. I have had to pay attorney fees to XXXX XXXX to try and repair my credit. 

In one month I lost 23 points on a credit score for no valid reason bringing my score way below 600 points. Then the following month they gave me one point back! 



This is a criminal act. These credit reporting agencies are using my data for free to manipulate my credit score so that in turn I pay for services to repair my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: SC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CAPITAL MANAGEMENT SERVICES LP DEBT COLLECTOR IS TRYING TO CHARGE ME AN AMOUNT FOR {$75.00} FOR A CREDIT CARD I NEVER OPENED WITH XXXX NEVER HAVE I OPEN SUCH ACCOUNT OR USE MY SOCIAL SECURITY OR CREDENTIAL TO OPEN SUCH AN ACCOUNT.

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 2017-04-12
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the company and they agreed to remove the account if I paid the amount that was settled for and its still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Debt Recovery Solutions, LLC
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:
I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, RENT DEBT XXXX XXXX , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Personal information incorrect

Complaint:
I have a XXXX XXXX  car loan, but on my credit report the address they have it's incorrect, I never stayed there. I always stayed at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. Plus the loan they have out for the car I don't even have it anymore. 

In accordance with the fair credit reporting act XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BMW Financial Services NA, LLC
State: DE
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:
BMW financial services is reporting me 30 days delinquent for my XXXX XXXX 2017 payment. I made this payment and it withdrew from my account on XX/XX/XXXX. Less than XXXX calendar days later. It was due on XX/XX/XXXX and posted to their account on XX/XX/XXXX.  There should not have been any credit reporting. This has dropped my FICO score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: ATG Credit, LLC
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: Their investigation did not fix an error on your report

Complaint:
I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: NM
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:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft and as a result a collection account with Southwest credit collections is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, More than two years ago, paid the full amount to the collection agency. I was told will be removed from your account. 
Already sent the payment letter and XXXX  balance letter to the XXXX to remove the collection report from my credit score. However, they did not remove it and still keeping in my score. Currently, I have XXXX balance for that account and paid the amount two years ago. 

Currently, trying to get a mortgage loan for better APR, but can not get it because of this score that provided by XXXX  Please see the attachment Thank you, XXXX XXXX XXXX, XXXX, Ga

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Financial Accounts Service Team Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and told them the account was paid up through XXXX and I owed no account and the lady told me that it would stay on my credit report even after I told her to contact XXXX and that they said I owed nothing. I filed a dispute and it was rejected. 
This is the company below that claims I owe money to XXXX when XXXX says I owe nothing. 


CONTACT INFORMATION 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