BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion has violated the Fair Credit Reporting Act ( FCRA ) section 1681i. According to the FCRA, consumers have the right to access their credit reports and dispute any inaccurate information that is contained therein. I exercised this right when I submitted a dispute regarding several items on my credit report that I believe to be incorrect. However, instead of conducting a thorough investigation and correcting the errors as required by law, you simply verified the inaccurate information and continued to report it on my credit report. This is a clear violation of FCRA section 1681i, which states that credit reporting agencies must investigate disputed information and remove or correct any inaccuracies within 30 days of receiving notice of the dispute. Your failure to comply with this requirement has caused significant harm to my credit score and overall financial well-being. I am now requesting that you take immediate action to correct the errors on my credit report and ensure that they are not reported in the future. Additionally, I would like to request a copy of my updated credit report once the corrections have been made. I understand that mistakes can happen, but as a credit reporting agency, it is your responsibility to ensure that accurate information is being reported. I hope that you will take this matter seriously and take the necessary steps to correct the errors that have been made. You are reporting something that is not accurate and I have already made you aware of it and you continue to report it, that you are defaming my name

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 2023-02-12
Company: Experian Information Solutions Inc.
State: IL
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account Name : XXXX XXXX ; Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX. 

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 an account without my written instructions.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: PA
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 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 2023-02-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After numerous calls requesting a payment plan the representatives continue to try to push me towards a modification which would have increased my interest rate significantly. Finally a representative spoke to an underwriter to provide me with a payment plan. The company gave me a repayment plan that exceeded my monthly income making it impossible for me to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: VA
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 Account 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid 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:
on XX/XX/2023. i made an order with XXXX. i used my apple credit card issued by goldman sachs bank. i never received the package. i contacted XXXX first and they said they had proof of delivery so they would not be refunding me or sending me a new shipment. i contacted apple card support and they issued me a temporary credit while they investigated the disputed transaction. i have twice now gotten emails from them stating they are going to charge me for the transaction because it was delivered. they sent me a picture of said delivery ( it is not my door or door mat the package is in front of ) i filed a police report about the incident and the police cited the package as being stolen. i sent them a copy of the police report and they again, refused my dispute. i never received this package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17
Company: AES/PHEAA
State: PA
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:
I had made student loan payments through XXXX during the Covid forbearance time as I did not know that payments were not required. I also learned in XX/XX/XXXX that I might qualify for loan forgiveness, so I applied and my loans were transferred to FedLoans in XX/XX/XXXX. I had made payments from XX/XX/XXXX through XX/XX/XXXX. 

Once they had been transferred to FedLoans on XX/XX/XXXX, I was told I could request a refund for the payments made during the Covid forbearance period but I needed to wait for them to receive all the information from XXXX. I initially made the refund request through FedLoans on XX/XX/XXXX. I did not hear anything back, so I contacted FedLoans again on XXXX and was told that they could not find my payment history as it had " not been transferred yet '' from XXXX. I requested my payment history be mailed to me during that same phone call. I called again on XXXX, where again I was told that they could not find my payments. On XXXX, I called and they had found my payments and were initiating the refund request. I called on XX/XX/XXXX to verify that the request had been initiated, and was told it would take 60 days. I didn't hear anything for a while, so I called on XX/XX/XXXX and spoke with XXXX # XXXX who again verified that my request had been initiated, but told me it could take up to 90 days. I called again on XX/XX/XXXX and spoke with XXXX # XXXX, confirming the request once again. 

On XX/XX/XXXX, I could see in my FedLoans account online that my loan total had been increased by the amount of my payments that I had requested for refund. The added values were {$13000.00} principle and {$17.00} interest, for a total of {$13000.00}. I called that same day to see when my bank account would be issued the refund. I was told that they were waiting for the Department of Education to review the request and issue the refund. I did not receive any refunds, so I called on XXXX and was told that I was waiting on either the Dept of Education or the Dept of Treasury to issue my refund. I made several attempts to contact someone in both of those departments, but kept getting the run around about who was responsible for issuing my refund and where it might be in the process. 

I filed a report with the Ombudsman on XXXX and have received several email updates over the last 5 weeks, all saying that they do not have any more information and are still looking into the issue. Overall, the process started in XX/XX/XXXX and they are supposedly working through it. The refund for all my past Covid forbearance payments has not yet been issued to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10
Company: Experian Information Solutions Inc.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
Before XXXX experian closed another complaint but this time there back o the original absurd explanation that addressed ABSOLUTELY NOTHING

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 2020-07-28
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my mortgage company sent me a loan installment statement with a payment amount equal to two monthly payments ( double payment amount ). I called to inform them that I have never missed a payment and the Statement was incorrect. The customer service representative said they must not have processed my XXXX payment and that I would receive a corrected, up to date statement in XXXX. I received my XXXX statement and it still showed that I was behind on a payment ( statement showed that 2 payments were due ). I called the Mortgage company again and a different Customer service Rep. said she looked into it and their system showed that I was behind on a payment that I missed in XX/XX/XXXX. After pleading with her to thoroughly recheck her information because I have never missed a Mortgage payment in my life she refused then transferred me to the Escalation services department. The representative in that department said her system showed that I had missed a payment one year ago also. After I ended the conversation I immediately went to my computer to check my bank records, finding a copy of the check they cashed in XX/XX/XXXX. The check also had my account number written on the front. I called them right back to inform them of my information and that representative found the payment in her system but I was told they will send the matter to their Audit and Research dept. to investigate. She said they would send me notice in the mail of the outcome within 7 days. They never sent any thing in the mail, so I called them to get updates, about 3 weeks later and several phone calls they said they found my XX/XX/XXXX payment. It was not cleared up until XXXX. The next month in XXXX when I received my mortgage installment and additional {$270.00} was added to my monthly payment, again I called the Mortgage Provider and the Customer Service Rep.said it was a mistake on my account and a corrected statement would be sent to me within 5 days. I never received the corrected statement so I paid the correct amount, hoping that they would correct the mistake. It is now XXXX and I received another statement that is {$270.00} more than my payment should be. I called the Mortgage Servicer again asking for a correction also an explanation of why this is happening. I was transferred to the Escalation Services Dept. and given no answer but was told my account would be sent to Auditing and Research to investigate. I have been going through Installment Payment problems with this institution since XXXX it is now XXXX, I don't know how this affects my paying off my mortgage. Am I being penalized in anyway because of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I made the following payments to MOHELA XXXX XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$2800.00} XXXX XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$6000.00} I have proof of all these payments to MOHELA on my bank acocunt. 
MOHELA lost my payment made on XX/XX/XXXX for {$800.00} I sent them my bank statement. 
I keep getting different stories from CSRs. 
THey lost {$800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company has yet to notify me in writing of any debt. I have requested and tried to dispute the debt from my credit report. They sent a letter stating I would receive documentation. 60 days later I have yet to receive anything. I am requesting paperwork of date of service, and signatures. Im

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX we had a forbearance plan ( due to the Covid pandemic ) until XX/XX/XXXX when we voluntarily took ourselves out and began making regular payments after the required three-month trial period. We were told that we could put the money on the back of the VA loan and make regular payments. We never received the modification agreement packages that we were promised. We continued to pay from XX/XX/XXXX to XX/XX/XXXX. They never sent the full modification paperwork agreement. However, they finally sent a partial claim but that was not what we agreed to. We originally were offered the full modification ( that program twilighted that we originally agreed to for a full modification ). Then they ( the mortgage company ) declined us and made a false report to the credit bureau and to the VA that we were not making our payments and that they are going to proceed with foreclosure. So we reported to the credit bureau that it was not true and to our VA that it was not true and sent in all of our payment receipts for review, The mortgage company corrected the credit bureaus to show that we are 100 % good, but filed a default judgment in the county office for nonpayment. We discovered that they did not apply any of the payments we made to any of our accounts ( without our knowledge for over a year it was put into a suspense account ) and charged us from XX/XX/XXXX to XX/XX/XXXX interest 3.25 % fee for all the payments that they did not register to our account although they were accepting payments. We tried to sell our house because of the negative remarks and the constant letters of foreclosure and knocking our credit scores from XXXX to XXXX whereas, by their false claims, we could not even do a refinance or borrow money from anywhere else because they messed up our credit score by continuously inquiring and denial of our credit when they assured us that we could do a home loan. And because it was our mortgage company that would do the loan whereas they even had us do an appraisal ( they ultimately refunded me the fee after I complained that they knew I did not qualify because of the low credit and the constant inquiries and denials, of course, brought my credit score down. And afterward informed me that my credit score was too low to do anything. Now that we are put in default we must sell our house for way under value. And threatened that if we do not do it we will lose our VA entitlement and credit be messed up even more. We believe that after we supplied the proof of our receipts to other agencies the mortgage company purposely stopped accepting our payments to be able to default on our home and this is unfair practice and should be investigated thoroughly. Furthermore, we tried to take equity from our property so that we could settle our bills and pay arrears but they constructively caused us financial upheaval while also ruing our reputation and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
PLEASE DO NOT CLOSE AS DUPLICATE AS IT IS ANOTHER COMPLAINT ABOUT SAME COMPANY. I HAVE NEVER RECEIVED THE MONETARY RELIEVE MENTIONED BELLOW. 
Capital One in response to the cfpb dispute number XXXX claimed that they would process a XXXX XXXX XXXX of {$32000.00} in my behaf. They were not clear on how they would process this monetary relief. Because I have never receive any letter about this monetary relief or any credit into my account ending in XXXX. I wonder how they processed this amount relief or if they did not yet how they are playing to? I have never received that. XXXX - XXXX : Is all statement since XXXX where you can see the credit was never Applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent letters of to all bureaus on XXXX XXXX, 2002. Here is my tracking # for # XXXX XXXX. 
# TransUnion XXXX # XXXX XXXX. 
To remove personal information that I do not want on my credit report because of inaccuracies. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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