BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to refinance with a 3rd party mortgage ( XXXX XXXX  ). Wells Fargo Home Equity ( WFHE ) has denied 3rd party mortgage payoff request 4 times claiming my home address does not match their records. XX/XX/XXXX initiated 3 way conference call with myself, 3 party mortgage, and WFHE. Account number, primary address, original loan amount, and current loan balance were verified by all parties. Wells Fargo Rep even provided 3rd party with an email address to send request for payoff. XX/XX/XXXX XXXX party mortgage called and informed me WFHE had once again denied request for payoff via email stating my home address does not match their records. 

XX/XX/XXXX made an in person visit to Wells Fargo branch to request a mortgage payoff. WF Banker placed a call to WFHE to get clarification. Banker informed me WFHE had no record of any request for a payoff from a 3rd party mortgage company. WFHE could only provide a verbal payoff but no official. Puzzled why not since we are in the 21st century. WFHE said I must call and request a payoff which will take 7-10 business days to process and mail via US Mail . Do not understand why such information could not be emailed to me? Banker asked why I using a 3rd party mortgage and not WF since I have been a customer since XXXX? I refused to answer as this was personal & private. Banker further stated I should use WF.

At this point it is very clear that I am being held financially hostage by Wells Fargo as they are unwilling to provide the payoff information requested. 

XX/XX/XXXX made a call to WFHE to request a payoff letter. The WF rep stated processing would take 7-10 business days but would not be valid for a mortgage payoff. 3rd party would need to request a payoff directly from WF. Tried to explained the problem has been WF and denied receiving any request from 3rd party. However, same rep confirmed notification in my records of a call with WFHE, myself and 3rd party on XXXX/XXXX/XXXX. I officially request a payoff from WFHE.

Clearly I am financially being held hostage as WF is denying receipt of payoff requests, plus giving me the runaround as to why my request would take 7-10 business day to process and mail. This sounds similar to the incidents years ago when WF Bankers opened accounts for customers who did not make requests. WF paid some major fines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: 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:
I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureaus one bureau show 12 missed payments then at another bureau it is reporting 6 I will like for issue to be resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NC
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 spoken with XXXX XXXX over 2 weeks ago and they confirmed that the inaccurate reporting on my credit report will be fixed in 3-5 business days from date XX/XX/XXXX. They informed me {$42.00} balance should be reported on my credit report but instead {$400.00} balance was reported on my credit report dropping my score over XXXX points in the middle of purchasing my first home. I called back XX/XX/XXXX to get a status update only to be informed that they needed proof that the {$400.00} was reporting on my credit report, I sent in a screenshot of my credit report and have not heard from anyone yet. This has prevented me from closing on my home and if I have to pay the the price this company will pay if for me. Its unfair and insensitive to mess up someones credit score in the middle of a big purchase. Fix it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi, I am writing in regards the technical issue with Coinbase crypto exchange platform causing a huge financial loss to me and other customers. 

On XXXX XX/XX/2021 XXXX listed the SHIB crypto on their CoinbasePro crypto currency trading platform, after listing SHIB crypto the CoinbasePro trading platform faced technical issue and dragging the price superficially up to 1000 % higher. This high price remained on the Coinbase Pro platform for more than 24 hours, anyone who purchased the SHIB crypto ( including me ) on XXXX XX/XX/2021 couldn't sell it and were locked with the high superficial price. On XXXX XXXX, CoinbasePro disabled deposits for SHIB to address a technical issue and then re-enabled deposits on XXXX XXXX which then dropped the price to 700 % lower. 
After seeing this massive price change I checked on other crypto exchanges and realized the price remained unchanged on other crypto exchanges and of SHIB crypto itself globally, the SHIB crypto price never went up that higher as on Coinbase.

I feel Coinbase did not took appropriate action to protect customers trading on the platform, when the platform was not ready to fully support the SHIB coin trading, Coinbase shouldn't have enabled the trading. And when the CoinbasePro trading platform was experiencing technical issue and had to disable or restrict trading of this SHIB crypto, customers were was not notified about any of this issue. 

As Coinbase advertises it as a trusted platform for Crypto currency, I purchased the SHIB coin and did not compare the price on other exchanges. I don't feel Coinbase can be trusted however, as per the email sent to me from Coinbase support after opening a complain, they claim that " we do not guarantee continuous access or that there will be no delays, failures, errors, omissions or loss of transmitted information, nor do we guarantee that any Order will be executed, accepted, recorded, or remain open. " I wasn't aware that Coinbase can also isolate itself from the global market and allow the price to increase or decrease superficially of any crypto and also restrict customers from selling without informing the traders.

I tired to reach Coinbase support throught their complain system and via twitter but no luck. They did not resolved my issue instead they sent me email that my complain is close as the issue has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
Company: Avant Holding Company, Inc.
State: KS
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:
Someone alerted me that if you go to XXXX and search for Avant Logon and hit on the response. The Avant login screen comes up with my email address in it. She had 2 reasons to reach out to me by email. First, she wanted to verify that it is a real email address. Secondly, she wanted to make me aware of what is happening. 

https : //www.avant.com login Prior to calling Avant, I had a friend try it and watched as my email address come up pre-populating on the login screen. I called Avant. The rep told me to clear my history. I asked how that would affect what is coming up for other people. I demanded a manager. I finally got one and he spoke down to me. He said that I should get someone, who knows about computers, to explain to me why that couldn't happen. I changed the email address on the account and closed it.

I am a XXXX XXXX XXXX. I started building rudimentary computers when I was a kid. I was being taught by computer engineers at XXXX XXXX. I have built every one of my computers. I am not a computer idiot. 

Last month, I started getting emails from Avant that I had tried to many passwords on my login, so they had locked the account and I should follow the instructions in the email to get my account unlocked. I called and explained to the manager that I had not trued to get into my account since my payday in the prior month, when I signed in to pay the bill. I had them change my account number and send me a new bill. I finally have the card, but I have now closed the account. 

So this problem didn't start this week, it started almost 2 months ago. 

I just got an email from someone else wanting to know if the email address was real and why is it coming up when she goes to login to Avant on her computer. She is going to call Avant.

I called Avant again. The rep told me that I have already been told to clear my history and that what I say is happening, can't be happening. She says she tried it and didn't get it to happen. Maybe because they are somewhere in XXXX and something is happening between here and there. I just do not believe that they have tried it. 

I don't know where to go from here. The first person who alerted me to the problem suggested I file a report here. I wonder if I need to get a lawyer. 

I am attaching a screen print of what comes up. 

On the next screen, you ask for a card number. I am looking through my mail for the new card so that I can give you the current card number. In searching, I just opened a letter saying that they have been trying to reach me regarding the fraud I reported. I reported that someone or more people are trying to get into my account, since I was not trying many logins causing them to lock the account. I never mentioned the word fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MI
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:
Pursuant to 16 CFR 313.1 313.1 Section ( 3 ) which states a financial institution must provide an opt out disclosure to consumers from reporting nonpublic personal information and opt out of disclosing that information. 

Experian did not provide such notice before reporting any of my XXXX XXXX Account # XXXX information. 

Violation 1 : Late payment XX/XX/XXXX Violation 2 : Late payment XX/XX/XXXX Violation 3 : Late payment XX/XX/XXXX Violation 4 : Late Payment XX/XX/XXXX Violation 5 : Late Payment XX/XX/XXXX Violation 6 : Reporting collection XX/XX/XXXX Violation 7 : Reporting collection XX/XX/XXXX Violation 8 : Reporting collection XX/XX/XXXX Violation 9 : Reporting collection XX/XX/XXXX Violation 10 : Reporting Collection XXXX XXXX Violation 11 : Reporting Collection XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
Im a victim of identity theft and because of that theres been car leases/ loans, internet/ cable, a lot of negative inquiries and multiple collection thats accumulated, which none are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MA
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:
Our mortgage was sold three different times to three different companies. When it was sold to XXXX XXXX, we had nothing but issues. The only way to pay was to mail in a check. Since they do not have a presence in Massachusetts, we would not be able to go to a physical branch for verification to get access to online portal which is more efficient in making payments. Since payments had to be mailed it, once or twice, XXXX XXXX lost our check and never processed. No communication was sent to us. We came to know when mine and my XXXX  XXXX XXXX from Experian was sent that our score dropped due to delinquency. We tried called XXXX XXXX many times and no luck. Lot of back and forth and status keeps changing on our credit report. We sold our home that has that mortgage with XXXX XXXX and now purchasing another home. But because of the delinquency status, which is in correct it is impacting our credit score. The mortgage company has seen cases like this in the past and has advised to reach out to consumer finance to correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified Equifax and XXXX several times that the XXXX XXXX XXXX and Consumer Adjustment accounts that they are reporting in my credit history, do not belong to me. Notifications to Equifax and XXXX were sent XX/XX/2023, XX/XX/2023 and XX/XX/2023 via certified mail. I have not in any way received goods or services from these companies and I have provided my FTC Report, Identity theft Affidavit signed with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all Equifax and XXXX. I have requested the original contracts from the original creditors, XXXX and Equifax bearing my wet ink signature in which up to now, I have not received, and it has been more than 60 days since I requested this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS IS THE 3RD TIME I AM REPORTING AN ISSUE WITH BARCLAYS AADVANTAGE AVIATOR RED MASTERCARD CREDIT REPORTING PRACTICES. 

XXXX XXXX AND XXXX SHOW THAT BARACLAYS REPORTED THAT I MISSED THE XX/XX/2023 PAYMENT. I IMMEDIATELY CONTACTED BARCLAYS TO INFORM THEM THEY WERE ERRONEOUSLY REPORTING A MISSED XX/XX/2023 PAYMENT. THEY INFORMED ME THAT ALTHOUGH THEY RECEIVED MY PAYMENT ON XX/XX/2023, I WAS REPORTED FOR A MISSED PAYMENT BECAUSE THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WAS RETURNED, SO THEY REPORTED XX/XX/2023 AS BEING MISSED. 

MY MONTHLY PAYMENTS ARE DUE THE XXXX OF EACH MONTH. I WAS DELAYED IN MOVING THE MONEY TO THE XXXX ACCOUNT USED TO MAKE THE BARCLAYS PAYMENTS SO ALTHOUGH THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WERE RETURNED, THEY RECEIVED THE PAYMENT MADE ON XX/XX/2023. I SUBSEQUNTLY PAID OFF AND LOCKED THE CARD ON XX/XX/2023.

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 2019-01-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Chase is trying to charge me a second late fee and it is ridiculous and I refuse to pay it. 
The first time this happened it was a " technical '' error between my bank and theirs so they removed the fee. 
This time they set me up to make an auto payment on the phone on the last day of the month, full well knowing my payment is due on the XX/XX/XXXX and ten days late will give me a fee. 

My feeling is they do this on purpose, to make me pay fees. 
I will not do it. 
this is not something I did wrong, and I will not pay any late fees I am on XXXX and have very limited income. A late fee of XXXX or XXXX dollars is a lot What they are doing is fraudulent. 

They set me up for auto pay, with my bank account and the date. I called to set this up s. Why would they put it on a day where my payment would be late? NOT MY FAULT>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I searched this bank and found no results on XXXX. The body of this letter from Comenity Capital Bank drew red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Experian Information Solutions Inc.
State: KY
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 for 3 moths w XXXX  XXXX  and Experian filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake  names on there..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX and XXXX   reports without either consent and had not been updated on TransUnion since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and TransUnion to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

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 2019-05-03
Company: Rocket Mortgage, LLC
State: TX
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:
On XX/XX/19, received call from Quicken Loans " XXXX  XXXX-NMLS # XXXX '' ( the call was recorded ) stating they've tried to reach me to help reduce my mortgage. After a bit of small talk, she said she'd see if she can help me, but would need to run my credit report. I explicitly told her 'I do not want anything run that will affect my credit ; I am VERY protective of it. '' She told me that it would not affect my score/report, and she's never gotten any feedback that a score would be affected. Warily, I agreed. She went on to 'review ' the report, telling me everything I already knew. I explained to her there's nothing Quicken Loans can do for me and we hung up. 

Within 10 minutes, I received emails stating that my report had been run and the score dropped FROM 771 TO 716!!!! I am furious! I called her manager and emailed her. She apologized. Her manager called me and for 10-15 minutes tried to get me to agree to a loan to consolidate my existing bills. I had to hang up ; to return to work. 

I suspect many people fall prey to their tactics, and I am very disappointed in Quicken Loans. 

Here 's the facts : - No one has ever tried to reach me from Quicken Loans. That's the guise they use. 
- I DID NOT agree to have credit run that would negatively affect my credit score. 
- Now, there's a hard inquiry on my report for a mortgage loan -- I don't need a loan, I plan to pay off my loan in a few years anyway. 

Please post something to people are aware of scrupulous tactics like this. I know better and was literally lied to by Quicken Loans. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX Balance : {$5900.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/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 non-monetary relief