BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have not been able to use their system which we aggreed upon. The website or the app. Neither accepts my paymebts via debit card. This costs me greatly in gas to drive to the store. To get harassed about paying off a debt on time while getting asked if i want to borrow more money. But when i tried to make the payment today ( 2days early ) not unusual. But today i tried to make a call over the phone. After making the original payment due by XX/XX/XXXX of XXXX. XXXX. There was still and outstanding balance of {$20.00} and change due by XX/XX/XXXX. So i paid that. Then there was still {$8.00}. At this point i realized my monthly payments were being misrepresented and the fees theyre charging now arent represented at all. I dont have access to the documentation they say is provided in my account on there website. Nor is there any transaction history. And in the end she claimed she didnt know why it was doing that but she is not responsible for how the system charges. And how it doesnt recognize an early payment even tho it has for over a year now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been trying to get a Home Equity loan from my local bank. XXXX XXXX XXXX. While they were researching my mortgage they found I had 3 mortgages outstanding on my home. My mortgage is with Chase. What happened here is Chase bought my Mortgage from the  Mortgage Store in XXXX XXXX Missouri. Now XXXX  XXXX  XXXX was shut down by the government years ago before Chase bought my mortgage. XXXX XXXXXXXX  XXXX paper work was never cleaned up by Chase. After Chase bought my mortgage XXXX XXXX  XXXX mortgages was never closed out. The only real mortgage I have is with Chase. But on my credit report it shows 3 mortgages. Chase was contacted on this a month ago. I don't have the dates on this. Chase told my bank it would take 15 days. I called Chase last week to complain. 5 days later I get a call from Chase that it was going to take another 15 days because they were going to have to get a third party to do this work. This means it is going to take total of 45 days to get this done. Chase should have been done this 7 to 8 years ago when they bought my mortgage. There is no reason my mortgage with XXXX XXXX XXXX should ever show up unpaid. Chase bought my Mortgage and never marked it paid. My bank told me I could get a Home Equity Loan in 4 to 6 weeks. Now because of Chases mistake it's already been 12 weeks and no loan in site. This is costing me money. I have a contractor waiting .I 'm also going to buy equipment  for my business. My business is shut down until this loan comes through. I have customers waiting. Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Nelnet, Inc.
State: CA
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 submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to REMOVE this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is About the XXXX currency USDC transaction issue that I encountered on XX/XX/2020. As usual, I performed the transfer XXXX USDC from my personal wallet to my USDC wallet in the Coinbase account. The amount of XXXX USDC ( {$500.00} ). The method I used was capturing the QR code of the Wallet. This is the safest method for transferring XXXXcurrency, according to the XXXX  creators, since each of the address has it own unique QR code, there is no room for mistake, I did like a XXXX time of transaction using QR code scanning.

Right after I made a transfer, I figured something wasn't right, here. My Coinbase USDC wallet wasn't received anything as It supposed to. So I went back to check the transaction detail, I was at shocked when looking at the recipient address was not my address, trying to calm down to figure what's going on, all of the confusion and question lead me back to perform the transfer using QR code capture one more time. Then I found out, there was something odd about the QR code ( on the USDC Coinbase address ) the QR code probably modified so that it all turned to the USDC contract address ( belongs to the USDC creator ). So I contacted the Wallet provider I send the fund from. After the checking, the support of my sender wallet confirm that COINBASE has modified the QR code different than the rest of the wallet provider standard QR code.

I have contact the USDC creator, The Coinbase support, for 3 years, they refused yo pay me back XXXX USDC. Ckaiming it was my fault that send the fund to the Contract address, it irreversible. That the fund was lost. I have enough proof to show, it wasn't my fault, it was USDC Creator, in this case the Coinbase has done something that lead to the fund sent to their wallet instead of mine. 
Transaction detail on Block : XXXX XXXX XXXX I even left the comment in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a XXXX XXXX card with XXXX. First National Bank of Omaha took over card. Never had a late fee or interest payment in a decade or more with XXXX. As soon as First National/Omaha took over card had fees every month. Finally went to Post Office and was told First National was returning my bills as undeliverable even though I sent them back in their return envelope. So then they'd charge me late fees and interest.

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 2018-08-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It may concern, I XXXX and XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 3 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating me like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission for Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call my own mortgage servicer now.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( XXXX, XXXX XXXX TransUnion ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information. 

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2018-08-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a XXXX XXXX alert that this credit inquiry appeared XX/XX/2018. I did not apply for any such credit. Here it is as follows : XXXX XXXX XXXX XXXX DATE Inquiry XXXX XXXX XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE XXXX XXXX XXXX XXXX XXXX XXXX FL N/A This likley happened as a result of my prior employer, XXXX XXXX XXXX XXXX XXXX XXXX, AZ who admittedly jeopardized my personal information as well as up to 300 other employees including leaking my SS # about 3 years ago. I'd also like to file a complaint on them in addition to XXXX as they paid for XXXX for just the first 2 years after admitting to their breach after the fact, but then cancelled this coverage about 4 months ago about the same time I left their employment. Had they not been careless with my personal data INCLUDING SS #, I would not now have thieves trying to apply for credit in my name. I did nothing wrong and Homeowners leaves me with the problem. This was also done to perhaps hundreds of other employees and I'd appreciate your assistance in forcing them to make this right and incur the annual or monthly fees for XXXX protection in perpetuity. I feel this should be pre-paid for my lifetime now as they could go out of business again leaving me holding the bag. Please contact me at either XXXX or XXXX  so I can help with these investigations however you see fit.

Many thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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
Consumer complaint received 2023-01-17
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:
Hi, I contacted all three credit bureaus about inaccurate credit account and account that's not related to me. All three major credit bureau gave me hard time update and disputing the information that appear is wrong on my credit report.i called serval time and send letter of verification of my identity to update misinformed informations. I have not yes receive a letter of validation from the major three credit bureau. Please help me I am being denied due to this mislead information.My credit history has been taken off my good credit account .I purchase my car in XX/XX/2020 there has not beeb a correct payment place on my credit but wrong history information.i contact credit acceptance and they mentioned to me I have to contact the credit bureau to correct the account .this has been XXXX now and my information and credit report still remain the same with unverifiable information inaccurate account.I called some many time about this matter and nothing has been investigate correctly

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-16
Company: EQUIFAX, INC.
State: SC
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-10-03
Company: Avant Holding Company, Inc.
State: NY
Product: Credit 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:
I have a credit card by Avant based in XXXX, IL. I found some purchases after my card was declined. I spoke to Avant who removed the charges during their investigation. They were then put back. I received no notice as to why or even an update. I then called Avant and they told me to call the fraud department. After going back and forth between avant and what turned out to be a third party company, I found that the " fraud department '' isn't actually that. They just lock the card then send a notice to avant who then investigates. I have been told to speak to admin who was in charge of my case but no one will get me to him. The " fraud company '' said they would escalate the matter twice. I have charges pending still and have not heard anything back from anyone and it has been two weeks. Bills are coming due and I refuse to pay for items that are not mine. At this point I would even get rid of the card due to this irresponsibility to assist a card member.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I truly believe when my husband passed away and I spoke with Wells Fargo about a loan modification to help me because I was struggling with the payments they did not treat me fairly. They added more time on the years I needed to pay for the house for at least another 15 years. I don't know if their calculations were right. I may be wrong but I just feel in my heart I was taken advantage of in some sought of way. I would really like for someone to look into this matter. This has been about 7 or 8 years now.

I am not understanding if the house was refinanced if it was I never got any money out of it. I really just want to make sure no one has taken advantage of me because since my husband passed I have been taken advantage of so much from home repairs and other things. 
Thanking you in advance

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