BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
after paying XXXX payments of XXXX the minimum amount requested by Green Sky on an interest free loan 24 installment loan. Green Sky decided to amortization the loan 5 days shy of 6 payment date XX/XX/XXXX ; 6 payment due XX/XX/XXXX there for changing the structured by contracted monthly payment amount. Gren Sky requested 6th payment on XX/XX/XXXX I made payment on XX/XX/XXXX. The company choose not to wait for 6th payment but sent out billing on XX/XX/XXXX. The did not put on XXXX bill proper amount paid of XXXX payment. 
Contact Green sky on 3 occasion trying to resolve matter. I was told each time a different story as to why increase XXXX to XXXX. On XX/XX/XXXX i was told by supervisor the account was amortized on XX/XX/XXXX. while on 3 way call with sister and green sky my sister questioned why on XX/XX/XXXX instead of XX/XX/XXXX after 6hth and also why is their amortization on a fixed interest free loan and why is the payment which is a 2 year interest free loan being changed when 24 month of XXXX to a higher amount XXXX which would them cause me to over pay the loan and their response was we would issue a refund after the loan was fully paid. 
Is it legal to amortization of a interest free loan? Is it legal to change to the condition of a loan? Is it legal to amortization after 6 months but before 6 months billing occurs? Is it legal to take advantage of senior citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, Parcel No. XXXX in XXXX County. XXXX name is on the note from Wells Fargo N.A. 
In XXXX of XX/XX/XXXXXXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but hat my own financial debacle in XX/XX/XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XX/XX/XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XX/XX/XXXXXXXXBankruptcy was dismissed on XX/XX/XXXX. 
We received Notice of Sheriffs sale for XX/XX/XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XX/XX/XXXXNational Mortgage Settlement Agreement. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the XXXX XXXX XXXX rust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; Exhibit 2 XXXX XXXX definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX Trust Laws ; Note to Exhibit 4 XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have more information : Start of Application for Modification ( 3 of them ), Service of Notice of Sale 2 days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XX/XX/XXXX Chapter XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has violated my rights more than once, by taking inaccurate information off my credit report and putting it back on my credit report after the investigation was over. 

Also 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-01-19
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i notice a debt collector trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

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 2022-01-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Complaint against Chase Bank for refusing to open Banking accounts : Earlier today I learned from a J.P. Morgan Private Client Advisor, XXXX XXXX XXXX that Chase Bank can not open any banking accounts for me and I need to contact its compliance department at XXXX. Upon further inquiries, I was told by a XXXX agent in its overseas XXXX call center that the Chase Bank has maintained a secret file on me and she can not disclose what is the reason why I can not open any Chase bank deposit accounts, notwithstanding that I have been a Chase customer since early XXXX and I have many bank accounts opened since then and still have many credit cards accounts opened with XXXX since 1994 with excellent credit scores of more than XXXX! 

Based on the information I have so far, I have been illegally discriminated against by Chase Bank in regard to opening bank deposit accounts ( checking and savings ) and such kind of illegal practice must be stopped. Moreover, I demand that Chase Bank to provide me with a clear explanation what is the reason for its refusal to open any bank deposit accounts and what is the content of the secret file it has maintained on my profile at the Bank. 

In addition to the requested information and full disclosure from the Chase Bank, I am demanding {$1000.00} for the financial and emotional damages caused by the illegal and discriminatory banking practice done by the Chase Bank so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have repeatedly submitted an Employment Certification Form showing I worked for a PSLF eligible employer from XX/XX/XXXX to XX/XX/XXXX. Fedloan Servicing refuses to give me credit for all of that time, which should qualify under TEPSLF. I also submitted a ECF showing I worked for an eligible employer from XXXX, and I have not received credit for that time either. Please update my payment counts to reflect the time I worked at the XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have continuously been paying over {$500.00} a month to Navient, however, they still report late or non payment default on 5 of the loans, I am unable to make payments of any more than that because I am XXXX as of XX/XX/2020 and this is 1/2 my XXXX payment from the government and my physicians refuse to sign the letter to dismiss my student loans because of fear of legality which I am verified XXXX from XXXX and have not and can not return to work or complete my studies because of brain damage. We get a call every hour to two hours a day to threaten and harass us to pay. It is very disheartening even with me calling the XXXX student loan line that they can not get them to stop harassment even when Biden said that we would get a hold while in pandemic, it became even worse harassment they call from a Tennessee number every hour to two hours, everyday of the week, we have asked nicely to stop and to spread that amount across all 5 loans and they still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Rent Recovery Solutions
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX the XXXX morning a representive from the office called me asking me about my rent. I told them I get paid on Thursday on the XXXX of XXXX ; thats when my lease up. I paid them then and I also ask the Secretary can shes ask XXXX XXXX the apartment manager to call me so I can ask about month to month payment because I didnt get the house because I had a old truck payment and since they close the office from COVID and she said she will. So the next morning the secretary call me back and said that I couldnt do month to month payment because I sign an agreement .I wrote that Ill be buying a house on this date and not signing my lease over and plus she already had a tenant moving in soon and they have to come in and clean the apartment. The next morning XXXX XXXX XXXX called said, that they will have someone to escort me and my XXXX daughter from the property along with my things if we are not out today. My daughter was XXXX at the time that we have to move out, now even tho my lease is up on the XXXX. well, I told her I didnt have anywhere else to go. She told me Im not obligated to stay there. I had to move out now. During that time I had to leave work early find some movers, get a XXXX, thank God for church members, family, make arrangements to turn my lights off, and find friends. I had to pay to get out soon and pay the movers. I was pregnant and had a XXXX daughter with me and loss of pay from my employer downsizing, I cleaned the apartment left nothing. When I was done loading up my truck the cop ; my neighbor said you're moving out. Im like no they are kicking me out after 3 years he told me they are not supposed to do that due to laws enacted for renters due to the pandemic and that I should not have taken my stuff out because they are not supposed to put anyone out during COVID. I was afraid my things would be put outdoors after the threat I received from the leasing office. They were horrible. I told him what was I supposed to do when my door be open every time I get home from work. He was in shock as I was -nobody has my key so who else come in there and unlock the door and leave it. So he told me that I can stay in his daughter 's room. And XXXX be at work all night so you will be safe here because he didnt want me to sleep on the floor. All that night I was calling last min family to see who house I can stay in. I thought the situation was over until I noticed a debt of {$2400.00} from The XXXX apartments. I was shocked to see the amount and what the charges are for. The charges that XXXX has listed in the collection with XXXX XXXX are inaccurate. The only fee I should have is {$300.00}. I was harassed in front of my daughter, mistreated then charged with bogus charges. I lived on this property for 3 years and I never negated my financial responsibility. I am struggling since COVID with my wages drastically reduced and I just want to be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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 know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX XXXX XXXX  XXXX XXXX, delete also the duplicate entry on this 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 2022-01-19
Company: EQUIFAX, INC.
State: AR
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:
Company is reporting aggravated identity theft. The company also hasn't paid my invoice sent to them for violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One is fraudulent reporting information and now hurting my credit after months - After fraudulent activity on the card! No one has helped me and I have been sent to collections for fraud on my card and usage I did not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: WA
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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act, 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 and XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-06-20
Company: Experian Information Solutions Inc.
State: WI
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 disputed some accounts back in XXXX that I didnt recognize, I watched some videos on XXXX and came accross one that said these accounts need to be reporting 100 % accuraley. Well I disputed them for having multiple FCRA violations and most of them were deleted only to be reinserted without proper notifcation to me. 

These accounts are 1. ) XXXX XXXX Acct # XXXX 2. ) XXXX XXXX Acct # XXXX 3. ) XXXX XXXX Acct # XXXX 4. ) XXXX XXXX Acct # XXXX 5. ) XXXX- ACCT # XXXX Now they are reporting as 1. ) XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX ACCT # XXXX 3. ) XXXX XXXX -ACCT # XXXX 4. ) XXXX XXXX ACCT # XXXX 5. ) XXXX ACCT # XXXX There are other accounts that are still reporting erroneously and would love to understand how these reporting agencies can do this without repercussion. They are not above the law. They should be removed off of all 3 bureaus and not just one or the other, If theyre all getting information from the same place they should all be reporting accuratley or removed from all 3! 
Here are the list of accounts that should not be there! 
XXXX XXXX ACCT NUMBER XXXX AND THERE ARE TWO ACCOUNTS WITH 2 BALANCES {$240.00} AND {$310.00} XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # 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 2017-09-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Chase Bank on XXXX XXXX, XXXX. I set up direct deposit with my employer, the City of XXXX XXXX, the week of XXXX XXXX. Because of the processing time involved with switching direct deposit accounts, I received a paper paycheck on XXXX XXXX. 

I went to Chase Bank on XXXX XXXX to deposit the check. The teller informed me that the check would be held, but that he could not tell me how long the check would be held for until it was deposited. Thinking that the delay would be at most, two or three days, I deposited the check. 

After I depositing the check, I was told that it would be held until XXXX XXXX. Obviously, holding my paycheck for over a week was both unusual and highly inconvenient for me. I called the customer service line the following day, and I was told that due to the check not verifying, my account had been " restricted ''. 

The representative tried calling my employer to verify that the check had been issued, but could not reach them. When I asked why the check was held in the first place, I was told that it was because my account was new. 

I called again and the representative I spoke to tried to call the issuing bank. I was then told that the issuing bank would not verify that the check would clear over the phone. Because of this, I was told that the check must be held until XXXX XXXX and that I had no recourse, even if my employer verified the check was issued. I was told that the check was held not because it was a new account, but because it could not be verified through the process used for all checks. 

I explained to the representative that the check in question was my paycheck, and that holding it for over a week would make it difficult for me to pay bills I had due, and asked if there was anything I could do to remedy the situation. I was told explicitly that I could n't do anything except wait until the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: The Outsource Group, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a balance of {$1300.00} for a medical bill that I do not have. It has negatively affected my credit score. Since I work at a large pharmaceutical company I am extremely familiar on how billing works. I have never received a bill nor did I visit a hospital at the date listed on the collections account. This medical account was never shown on my insurance, and I have never been to the hospital in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, 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:
CRA is direct violation of Metro 2 compliance, FCRA section 609, also Michigan consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/XXXX orXX/XX/XXXX my car was repossessed. In order to obtain my car, I had to pay all the late fees and bring my account current. Now I am finally able to come to my last payment and Toyota has added {$1500.00} in late fees. After I had my car repossessed, I never missed any payments. I feel that Toyota is attempting to recover late fees that have already been collected. Each time that I would call, they would tell me that there was no late fees and not to worry as they would drop at the end of the loan. This is my first car purchase and I feel they are trying to take advantage of me.

Company response to consumer: Closed with explanation