BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have tried on numerous occasions to come to some sort of an agreement with Wells Fargo on my HELOC account. I am having trouble repaying the loan, and am looking for some restructuring of the debt to bring the payments lower. I had gone through the process once, and not only did it take a long time to go through, mostly because the person assigned to my case would not return my calls for assistance on the paperwork, or would as for items, and then tell me that she actually needed other documentation instead. I spent more time on back and forth, then actually sitting down to discuss options for a solution. Basically I felt like I was given the run around and in the end, told there was nothing they can do. I am a senior citizen, on a fixed income. The payments now are interest only, but will soon become P & I payments. I am behind since XXXX, and have medical issues that I need to budget my fixed income to take care of. I learned that there was actually a law suit against Wells Fargo by other customers who also went through the same situation. They found that Wells Fargo did not help those searching for assistance in a timely fashion and lost their homes to foreclosure. Another thing adding to this is the fact that my daughter was tricked into signing papers on the loan. She had power of attorney over my financials, and the loan agent at Wells Fargo told her that she was signing documents showing her power of attorney, when in fact it put her on the loan as a co-signer. Because of this her income is looked at to make decisions on my repayment ability, when in fact it should not. She has her own home and finances to worry about. This is a slimy tactic for the bank to use and now put her and my son-in-law in this mess. My son in law who also works for a bank stated to me that there are lots of programs out there that can help to modify the terms of the loan, so that the payments are manageable and I can for fill my obligation. He also stated that at his bank, they do riders and mods all the time to release parties from various loans as long as both parties sign the paperwork to do so. Now My daughter is trying to go through this process with me again, and again, we are getting no communication or feedback from anyone at Wells Fargo. I am asking that someone help me to please have these people help to restructure my loan into payments I can afford based off my fixed income. I also want my daughter removed from the loan documents, as she no longer has power of attorney and has no interest on the property being used. That and the fact she was tricked into thinking she was being listed as an authorized person to act on my behalf on the account, not to be responsible for it.

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 2019-11-19
Company: Tower Loan of Mississippi, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019 Tower Loan at XXXX XXXX XXXX XXXX XXXX  XXXX, Ok XXXX. XXXX. 

Manager XXXX called my job without Authorized my consent was asking why I was going to make a payment. I did explained to her I never authorized them to called me so pleas stop calling my phone. I did move to another office not sure where they know were I moved to, but I was very upset and embarrassed. I did give them information on why I couldn't make payment, due to no transpiration to there location, plus they didn't have debit to make payment. I was getting called on my phone saying if I don't call them I will get garnishment and they visit my home without my consent. I would like to file this complaint with fine.

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 2019-01-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ Data ( aka XXXX ) Is attempting to collect on a debt they say originated fro XXXX at XXXX XXXX XXXX. This is the incorrect plaintiff in the action. The debt allegedly owed is not verifiable as the court documents are being contested : Wrong amount, incorrect plaintiff, incorrect dates. 

IQ Data maintains that the date of the owed amount is XX/XX/XXXX which conflicts with the already incorrect court documents that they are using as verification of debt. XXXX of XXXX XXXX XXXX is not the lien holder of the alleged debt and is not on any stipulation documents for this issue. 

I have the original documents from the court. As it stands IQ Data uses threatening language and refuses to allow me to provide the information to dispute the debt or any avenue to do so. I am simply talked over and threatened by the staff answering the phone. My attorney for the original issue stated that the debt has to have the proper lien holder, dates of the amount due, and proper amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: HI
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 am concerned about the validity and accuracy of the account which is having a late payment status on my credit report. XXXX XXXX XXXX XXXX is an on time paid account and should not be reported as such. Given the fact that I send my payments before the due is unfair when you see this error on your credit report

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 2018-08-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX TO XX/XX/XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I never opened a credit card with XXXX XXXX XXXX XXXX  This is a fraudulent credit card that was opened unauthorized due to identity theft. Unfortunately, I have been a victim of identity theft. I had my purse stolen out of my car that was broken into. I have had my identity stolen and XXXX person who did it already served jail time. I have had my personal information sold on the XXXX market. I have police reports for proof and I am working with a XXXX I told this credit card company that is ruining my credit that this was not mine and I showed them proof but they still will not set it as a closed fraud account. They even wrote me a letter saying it was fraud but now they are saying its not by putting it in my credit report. Please get this company to leave me alone and take it off of my credit report.

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 2018-10-10
Company: SYNCHRONY FINANCIAL
State: AL
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:
XXXX XX/XX/XXXX i was searching for a new phone and XXXX requested a credit check I sent a letter to dispute it but its still on there. I never got a phone from them nor was I billed for anything. 

XXXX XX/XX/XXXX I check my report and seen it was on there I have no clue where it came from I tried to dispute but nothing was done.

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 2018-10-10
Company: EQUIFAX, INC.
State: NV
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 disputed these late payments on 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 for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Been trying to Transfer information from JPMORGAN CHASE XXXX TO CHASE BANK. BEEN IN CONTACT WITH THE BRANCH. JPMORGAN XXXX XXXX XXXX WITH CODE AND INFORMATION ABOUT THIS SITUATION WITH CHASE XXXX TX. 
. OPEN ED A ACCOUNT WITH MONEY OR DER WITH IT TOO A COUPLE DAYS AGO. CLEARED FOR MY FUNDS, BUT PRIVATE BANK EMPLOYEE DE NED THE RE FUNDS TO PAY FOR THE A ACCOUNT PLUS CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME. I RECIEVEED THE CODE OF CONDUCT WHITE IS NOT HONORED AND I FIL. TODAY I WENT BY TO TALK AND COLLECT MY FUNDS SPOKE WITH FINANCIAL SERVICES -WAS RUDE NO COMMUNCATION OR CUSTOMER SERVICE SPOKE WITH PRIVATE CLIENT EMPLOYEE -RUDE DE NED MY REFUND FROM JPMORGAN CHASE AND CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME SOMETHING NEEDS TO BE DO NE ABOUT THE SITUATION. THE NEED TO IN DER THAT I - WE ARE UNITED STATES CITIZEN. SO I RETURN TO THE BRANCH AND THE WALKED A WAY. CODE OF CONDUCT HAS TO MFAN SOMETHING??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: National Credit Systems,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 first disputed with National Credit System in XXXX of this year. I later disputed with the company again with a follow up letter from the previous. In this letter I stated to this company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This federal law has been broken and this item should be removed IMMEDIATELY. National Credit Systems never responded back to this dispute and I have the signed signature that the company signs when they received it in the mail. This was my 2nd choice for the company to cooperate and next step will be small claims court if company continues to report this item fraudently on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: AES/PHEAA
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:
In XX/XX/XXXX, I changed loan servicers from XXXX to XXXX/XXXX, XXXX/XXXX funded {$160000.00} to XXXX on XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Subsidized and unsubsidized loans ), XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Stafford loan ). My XXXX balance was {$0.00} and closed my account. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX  total balance due of {$1500.00} ( XXXX account reopened ). XX/XX/XXXX-Contacted XXXX  representative XXXX XXXX, a previous payment for XX/XX/XXXX of {$1500.00} ( made to a previous servicer prior to XXXX, XXXX ) payment was coded as a " preconversion adjustment '' and not as a " payment '' -that 's why not it is not reflected on the payment history. And will receive a letter of that written correspondence in 7-10 business days. XX/XX/XXXX-Paid loan payoff amount {$1500.00} to officially close my account with XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter / written correspondence Our records indicate we received a payment on XX/XX/XXXX from XXXX in the amount of {$1500.00}. This was applied with an effective date of XX/XX/XXXX. XX/XX/XXXX-Received electronic letter my XXXX  regarding PAID IN FULL and closed my account with XXXX once again. 7 months later. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX total balance {$1500.00} due XX/XX/XXXX ( XXXX  account reopened ).  Contacted XXXX representative, was told that " XXXX overpaid {$1500.00} and the amount refunded back to XXXX on XX/XX/XXXX. I told them I was the one who made the final payment in XX/XX/XXXX, out of my own pocket. Checked my bank account, a total of {$1500.00} was refunded back to me for no reason and without my request. Transferred to XXXX XXXX, XXXX supervisor XXXX, she submitted case review to their Financial Management Team to find out why the amount was refunded into my account, will take 24-48 hours, latest response on be on Friday, XX/XX/XXXX. I did not hear back from anyone. XXXX  account is reopened and theres an outstanding balance accruing interest daily with a due date in upcoming XXXX. This is unresolved and no instructions given to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.

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 2018-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, I have been trying to cancel a subscription with Experian for days now. They do now allow you to cancel online or via email, require a phone call. Everytime I call it is a hour and a half wait time. I've done it twice now and still received no answer. I can not just leave my phone on hold for an entire day. 
I can not remove my credit card and can not cancel payment.

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 2017-12-08
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:
On XXXX XXXX, 2017 I noticed yet another item currently reporting on my Experian credit report due to fraudulent activity. What that means is that this account, along with the many others that I have previously filed disputes against via this venue ( CFPB ), Experian, XXXX and XXXX are due to someone stealing my identity in some capacity and in turn using it without my knowledge. 

The following item needs to be disputed as a fraudulent account in it 's entirety. 

( COLLECTION ACCOUNT ) 1 - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX This account is also associated with an address of the following that too needs to be removed upon results of investigation : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks, 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 non-monetary relief
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed chapter XXXX in XXXX and included all cases that were reporting negative and inaccurate information as well as dismissed cases or cases with no monetary judgements. In XXXX of XXXX Transunion credit reporting agency reported items that were included in my bankruptcy and refused to remove

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 2019-01-25
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I funded a bitcoin wallet with Coinbase from my checking account and purchased XXXX bit coins. In XXXX I tried to access and close account and was unable to as I was unable to reset my password. I reached out to Coinbase support by email as that was their only method of communication and did not receive a response. When I tried to access my account in XXXX I no longer had the same email and phone number that was used to set up the account. This created issues with completing a self reset, which according to customer support is the only way to reset a password due to fraud. They had me go through a account verification process where I had to open another account, then provide my ID and Pic of myself captured from my mobile device. I was informed once I had provided them all this information they would be able to change my phone number and email address so I can self reset my password and get access to my account. This attempt was unsuccessful after completing the steps they had provided. I called again today XX/XX/XXXX and they wanted me to go through the exact same process which was unsuccessful previously. The value of bitcoin dropped significantly after XXXX and so I have lost money as a result of them holding onto my funds. I have engaged an attorney to help me collect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2019-08-28
Company: EQUIFAX, 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:
I've never filed for bankruptcy in my life!!! This is not mine and it's preventing me from acquiring credit and everything else. Please remove!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts or addresses listed on file. Please remove them.

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 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: TX
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  is continuing to report a Credit Builder Plus loan XXXX loan with XXXX XXXX as two payments past due. This loan has never been past due. XXXX IS ON VIOLATION OF FCRA and UDAAP. 
XXXX is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.

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