BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: WELLS FARGO & COMPANY
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've disputed several accounts with XXXX  and even provided police report and ID Theft affidavit to help resolve the issue and XXXX  has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3 .WF XXXX Account # 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 monetary relief
Consumer complaint received 2018-03-14
Company: JPMORGAN CHASE & CO.
State: DE
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:
I would like to consolidate one business credit card and two personal credit cards into just one account ... of course taking the two credit limits from the two cards that will be closed and putting into the one card that will remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized 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 2021-12-17
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/21, at around XXXX PST, my Coinbase account appeared to have been compromised. I received a message from the app that your 2 step-verification has changed. I called customer support immediately, but unfortunately, it did not let me lock my account by phone or talk to a representative. I tried all available options on the phone, but in the end, all of them stated that I have to submit an online form to lock my account. I did submit an online form shortly after. I heard back from Customer support after a few days, and it appeared that the scammer has made several unauthorized withdrawals, between XXXX and XXXX PST to three external three accounts that are not mine. The three accounts are XXXX - XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX XXXX Coinbase support initially confirmed that there has been no external transfer or loss of money on my account, but when they finally provided me with a record of transactions on XX/XX/21 I informed them that three accounts arent mine and that there has been a loss of {$35000.00}. Since XX/XX/21, I have not heard back from Coinbase support - Coinbase support stopped responding to my emails as soon as I informed them about my loss of {$35000.00}. 

Coinbase is responsible for this incident. If Coinbase support had allowed me to lock my account by phone or talk to a live representative when I called them after receiving the message of 2-step verification change on XX/XX/21 or had actually locked my account when I submitted an online form, this would have never happened. Coinbase should refund me for the loss of {$35000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: MCLEAN MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My XXXX XXXX agent referred mi to a guy named XXXX with Mclean Mortgage and I told him that I was out of state & not to pull my credit until I meet him in person. Since he never returned any of my calls I assumed he wasnt interested until I recieved a credit monitor alert that Mclean Mortgage used XXXX XXXX different times to access my credit report I disputed with XXXX that they were impermissable and contacted his boss CEO XXXX XXXX to addressed my complaints. I asked him by phone to remove any reference of affliation with his company. He agreed according to these enclosed responses but has not gave XXXX XXXX manager XXXX XXXX the formal release on letterhead by fax or email as he promised XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: AES/PHEAA
State: MO
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:
Despite making payments towards my student loans, my XXXX tracker is showing that my XXXX Loans have only XXXX qualifying payment, while my XXXX loans show XXXX. There is no explanation for the discrepancy of the counts. I have owed these loans for the duration of my employment for a non-profit organization and have made monthly loan payments during the entire duration of my employment. Both of these counts should be XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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:
XXXX XXXX IS Reporting a balance of {$2000.00} on a closed account since XX/XX/2013 with a monthly payment of {$24.00}. TransUnion will not update account that has been closed over 7 years.

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 2016-05-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I dispute the validity of this Tradeline. 

XXXX XXXX XXXX XXXX This account : 1. Is missing the Balance History Data for the most of the time the account had been open 2. This account was opened in XX/XX/XXXX, yet only XX/XX/XXXX to XX/XX/XXXX is showing. 
3. Has Late Payments, when there is no Balance History to support this. 
4. Has erroneous comments added - to this and almost all of my accounts. 

The record is incomplete, and therefore inaccurate. 

Please validate the Payment History to ensure the entire history is published Please ensure that history can support any late payments reported, or DELETE the 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 2016-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has XXXX listed XXXX on my credit report, XXXX. It is the same XXXX fraudulent account listed XXXX. I have filed a complaint against XXXX to the CFPB and I have attached the signature on XXXX 's application page which XXXX forwarded to CFPB, in which you can clearly see it is not mine. I have attached my mortgage document with my signature and I have attached my domicile with my signature and addresses. Also, I have attached a letter from XXXX XXXX acknowledging it is her debt not mine and her admission that I knew nothing of the debt and the contact information on the application was not where I resided. I also ask for you to acknowledge the dates of my mortgage document with signature, also my property tax info which shows the date that I resided at my current resident XXXX XXXX XXXX XXXX. The mortgage document from XXXX XXXX, shows my XXXX XXXX XXXX XXXX , neither addresses coincides with the address on XXXX 's application. I have also attached my property tax document which shows the year I moved into my current address. I was not residing at the address on XXXX 's application, nor have I ever signed or received any documents from them. I have resided between XXXX and XXXX exceeding 15 years. I am asking again for the fraudulent accounts to be immediately removed.

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 2016-09-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XX/XX/2016 I attempted to access my credit report online through a credit monitoring service ... the site stated that they were unable to process my request so I called the customer service number listed. They told me that I needed to call Experian to correct some information because what I was entering into their system did not match Experian 's records. I went to Experian 's website and was able to access my credit report using my credit report number and social security number. When I reviewed the report I noticed that there were accounts listed that I did not recognize and the report did not show any positive credit history. I could n't understand what was happening so I called Experian on the phone. Experian 's representative told me that he could not locate my file with my social security number, he could not give me a reason why and stated that he would have to initiate some kind of investigation. I have not heard back from this investigation. I do n't understand what is happening because I just accessed a tri-merged credit report XX/XX/2016. I have had credit for years and continue to have credit accounts at this time so I am not sure what is happening at Experian but I need it fixed ASAP.

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 2016-10-31
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

XX/XX/XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XX/XX/XXXX. 

Those items are : - XX/XX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : Law Offices of Mitchell - {$980.00} These debts were all incurred XX/XX/XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, I was alerted with a collection notification so I immediately called XXXX XXXX XXXXo see what this unknown account was. After speaking to several representatives my questions wasnt answered because they were asking me for my personal information. I requested information about the account after I never received anything.I then emailed the companies CEO an he never responded back. At that point Im now devastated, because I was in the home buying process. That debt dropped my score XXXX plus points on Equifax and XXXX and XXXX plus points with XXXX. Now my next option was to dispute the unknown debt from my credit report with all 3 bureaus. I disputed the debt in XXXX by phone with a representative with all bureaus. After waiting a few days XXXX immediately deleted the item from my credit report. Finally I get an email from Equifax and XXXX stating it was accurate and verified. At this point I called them an asked how and who they verified it through, the representative said thats what the company said so I told her send me the information, but I never received anything. After waiting and waiting still nothing, on XX/XX/XXXX I decided to send Equifax and XXXX a certified method of verification letter. On XX/XX/XXXX I received a letter from Equifax dated XX/XX/XXXX stating they were unable to locate a credit file in their data base an was asking me to send in personal information. So to my knowledge if they cant locate my file how are they investigating unknown information on my report but telling me its verified. I will include that letter. XXXX never sent anything back, but an email saying it was verified and accurate after I requested information on the verification. On XX/XX/XXXX I sent Equifax and XXXX a certified follow up method of verification letter on that same unknown collection. XXXX finally responded with a updated credit report but the collection wasnt removed after I asked if it couldnt be verified. Equifax emailed me stating it was verified and accurate but cant send me proof of it. Now that Im getting frustrated because this is hindering me from purchasing a home for me and my kids. I sent both bureaus a certified XXXX follow up method of verification letter on XX/XX/XXXX. Equifax sent a letter dated XX/XX/XXXX saying they received my letter on the other hand XXXX didnt reply. Ive been disputing and disputing with these 2 bureaus an theyre not sending me what I requested. If its verified why is it so hard for them to send me the required information or do as I asked DELETE this collection. I will be enclosing my letters. Each letter was sent to Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Credit card
Issue: Credit determination

Complaint:
I attempted to pay my HSBC XXXX ( Account XXXX ) back in XXXX 2016 via online payment. Thier system was down and I was unable to make the payment after several attempts. I managed to get through and call my payment in. I was refunded late fees due to their system being offline. Later, back in early XXXX, I discovered that they had reported my account delinquent and had been reported to the various credit agencies. They had canceled my account without my knowledge. I tried to get them to remove the negative report, but they insisted they were not at fault - even though they had previously admitted it was their fault when they refunded the late fees. This has caused a series of financial difficulties including a higher car insurance premium and a higher mortgage loan rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: GVA Holdings, LLC
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Took out payday loan of {$600.00} and it turns out that the payment plan that they set up continually renews the loan without any of the payment being applied to principal. I should have read the fine print. I believe that the interest rate that they are charging me is in excess of the PA rate cap by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
on XX/XX/XXXX I signed up for a loan from " CHECK n GO '' a payday loan office in XXXX, ca. I have been getting a payday loan from them for a number of years and was a very good customer. this office is very busy with just one girl working the desk. On this day XXXX when I was paying my {$300.00} loan she said to me " would n't it be nice to not have to drive all the way down here every month? She said we can sign you up for a {$2600.00} cash loan and you can pay back directy out of your bank account. On that day I did n't have my glasses and I am very hard of hearing ... .I am XXXX yrs. old. I was confused and frustrated since I literally could n't see or hear. all that I was sure she said is that I could save myself a trip every month. I planned to continue to do business with them as my social security just is n't enough to get by on. next she presented me with the loan papers..all of this done in a very rushed manner. I tried to make out the figures of the papers, but I could not. I remember asking her several questions for clarification, but between being XXXX and the other people all talking at once { they were complaining about how long I was taking } finally, thinking I had a fair grasp of what I was doing I signed up. I assumed there would be interest attached to this loan. INTEREST was never mentioned or pointed out to me and of course if she had pointed it out or spoke it ... I NEVER WOULD HAVE EVEN CONSIDERED SIGNING THOSE PAPERS OR BEEN THE SLIGHTEST BIT INTERESTED IN THIS DEAL. upon arriving home I finally reviewed the papers and I almost had a XXXX XXXX. I had just signed a loan with 103 % interest rate. MY WHOLE WORLD FELL APART IN ONE SECOND. ihave always been very proud of myself in being able to take care of myself and making good decisions ... now they would be taking out {$280.00} out of my bank account starting XX/XX/XXXX for 16 months. The amount I will have paid them is {$4800.00}. So far I figure I have paid them eight payments total of {$2200.00}. That pays the interest { which they take out first } THE PRINCIPAL REMAINS. wHEN I READ TIME this month I was thrilled to know that an agency has been created to protect consumers. I have no idea if you can help me? I no longer will make any finantial decisions on my own. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My ex and I opened this account about 11 years ago. 10 years ago I was out of work for a few months due to an injury. That is when we really started to use the card. Once I went back to work we started paying {$300.00} a month to get the card down which was more than the minimum payment. After 2 years, they changed their terms to a higher interest rate and we refused to pay the higher rate so they closed our account. After that time, we did not receive monthly statements. We knew we still owed on it, so we kept paying {$300.00} a month. 4 1/2 years ago, we got divorced and the judge asked for the balance on this card. I told him I did n't know since we had n't gotten a statement in 4 years and I did n't have a number for their customer service. The judge and the lawyers said that that was highly unusual and I should try to find the number somehow. So I did and they gave me the amount owed which was still about the same amount as what we had originally charged. There was no way that was correct. I told them that I wanted all the statements from those 4 years that they never sent us. They said they could only go back a year so they supposedly sent me those. After the divorce I could n't keep paying the {$300.00} a month so I called them to work something out. I also told them that they still had n't sent me prove that I owed this amount. The guy I spoke with told me they could adjust my payment to {$300.00} a month ... are you kidding me? Someone told me to not pay for a couple months to see if they would settle. So a couple months later I called and talked to someone else. Told them the whole story again, she was very nice and understanding. She said she could get me the missing statements and that they could split the payments with my ex according to the court docs. She gave me the address to send them to. I sent them along with a letter and the number she had given me. Nothing except them calling every day which I would n't answer because they would call my cell while I was at work. My point is, there is no way that we owed the amount they were saying if we were paying over the minimum to begin with. We never received statements, so if the due date changed, we did n't know. The account was closed, so there is no way we were still charging anything. I have not paid anything in 4 years due to the fact that they said they were getting me in the information that I requested and they have n't. So now they have charged me late charges and interest and are now threatening me with a lawsuit. All I wanted was proof that I owed the amount that they stated at the beginning. They have tried to offer me a settlement now, but I do n't even think I owe as much as that.

Company response to consumer: Closed with explanation