BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX  I fell into the hands of a scammer named XXXX XXXX ( the scammer ). It started out that I got an scam email about an order that was placed with XXXX. He told me he will will refund me the money by putting his server in my computer. I was told that first they will refund me {$150.00} if it goes through they will refund the rest. My mistake it was refunded {$15000.00}, but in realty it was transferred from my Savings Account to my Checking Account. He asked me to wire back {$1400.00}, the next day he claim they didn't get because their bank didn't allow such a large amount. So I should wire {$10000.00} and the {$4000.00} will be a payment to an XXXX world country. Then they claim that I signed in to my online banking so it transferred another {$150.00}, so a should pay it back by getting a gift card. By than I realized I got into scammers hands so I refused. In total I gave them {$28000.00} ( plus {$70.00} for the wire fees ) A week later they still claimed the I owe them {$150.00} then I disconnected with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Rozlin Financial Group, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recruited to work full time with benefits for XXXX  Accepted the employment offer, with a 3 month guarantee to work one year in the XXXX, XXXX office. Eight months later, loanDepot closed the branch I was assigned to without notification, which left me unable to complete the term. I was the very last employee at that location once they closed the office. I performed work on abandoned loans that the community referring agencies needed immediate help with. I helped pack up the office. I had also managed to still produce mortgages, and was not compensated, as they then said that I breached the employment contract, and the wanted to collect the entire guarantee back. They have threatened and now placed a collection on my account through RFGI, and that means that I was actually not paid at all for any of the full time eight month work that I performed.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I monitor my FICO credit score. XXXX dropped like XXXX points. When I looked into it, XXXX XXXX whom I had a credit card with had reported me delinquent for XXXX days. I had paid my card off in full in XX/XX/2023. I was told not to close my account as it could ding my credit score. So I didn't. With a XXXX balance I didn't need to worry. However, The company based in XXXX XXXX charged me a fee every month and never sent me a statement or an e-mail. 

Therefore, saying I was delinquent and reporting this to my credit report. I want to have you contact them and tell them I was not delinquent because since XXXX I have had a XXXX balance.

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/21 Bank of America froze my checking account with no answer they would just tell me it was under reviewed after a year later I was told it was closed due to me having a lot of incoming money and were was my money coming from and who ever send me money they were sending them the money ( they never did ) some money was from my husbands card to mine and they never gave it to him either and me and my husband went to Bank of America they would check my account and would always say its under investigation and gave me a phone number I would call and I would get answers like the will let me know and never did I called XXXX XXXX for about a XXXX or more. I asked about an account that was under my daughters name and mine and it was child support money that they said would give back and never did Bank of America kept all that and I would ask how is my account fraud? And they said it is and then even told me why my husband would use my card if he wasnt authorized I told them at that time we would put money in there he didnt have an account and we were married that if I was accepting his transaction why did it matter? They just said it wasnt under his name. So Im not sure how this account ever was fraud and why did it matter the incoming transactions I had if I told them it was for classic cars my husband had sold and were doing payments every month so it doesnt make sense how its fraud?

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 2023-07-29
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
my student loan debt has been forgive by the federal student aid and the XXXX XXXX XXXX when bankruptcy twice i asked them to remove this from my credit report they are still active

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: SC
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 credit card account with Experian listed on my Experian XX/XX/2022 credit report copy in XX/XX/2022 that the account IS NOT MINE. I contacted the credit card company prior to disputing credit report and the credit card company confirmed the card IS NOT MINE. Experian claims the information is correct and that credit card is mine.

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 2023-10-24
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX paid our taxes of {$3700.00} on XX/XX/2023. PHH  bought the loan and started servicing it on XX/XX/2023 and PHH  paid {$3700.00} again on XX/XX/2023. I spoke to XXXX XXXX at XXXX XXXX XXXX tax dept. and was advised that she received XXXX 's check and found that it was an overpayment. 
She did not deposit the check, she returned the same check to them the beginning of XXXX. That was almost 2 months ago and our escrow account should not be showing a negative balance. I have emailed PHH Mortgage with no response and called several times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: ALLY FINANCIAL INC.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX {$97.00} Someone use my XXXX account to make a unauthorized charge, so I closed my XXXX account and called my credit card Ally Card. And they said i did the charge and they will not provide me with any proof of it. XXXX will not dispute it because I closed the account. Ally will not dispute it because it was done through XXXX so I have no recourse, I asked to be provide written proof of the change and received nothing but being hung up on and being called a liar. I closed my Ally Card and will not pay them anything. 

Ally Credit Card XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX : {$420.00} ; XXXX XXXX Balance : {$2.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2023, I attempted to unfreeze my Experian account. A vendor made an inquiry and failed saying that the account was locked. I then had to unlock. The vendor made the inquiry so I refroze the account 4 days later. I was unable to re-lock the account online. I attempted to contact Experian by phone and it was an absolute nightmare. The phone system is solely designed to frustrate consumers so that they give up and go away. It is practically impossible to contact a human. The first representative actually hung up on me! They would not listen to the fact that another company had paid for the upgraded service due to a data breech and made it extremely difficult to reestablish the lock. This company has zero interest in providing the services for which they are contractually obligated, nor are they interested in helping consumers who have no choice because they have confiscated our data.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2023 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

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 2023-10-25
Company: MOHELA
State: MD
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:
This is the XXXX attempt to communicate w/ MOHELA regarding the PLSF. 
I have met the requirement of working for a government and or nonprofit community IRS verified employer. I am still currently employed with a XXXX XXXX XXXX XXXX XXXX XXXX. I submitted all required information to XXXX  XXXX XXXX XXXX ( MOHELA ) and Student Loan Services. I have enclosed copies of all communication from MOHELA whereby it is written that I have 1 payment for total PLSF. MOHELA recently sent a letter stating that I was approved for an Administrative Forbearance ending XX/XX/2023. That is not the WRITTEN agreement that MOHELA mailed to me. I do not want my credit score impacted and according to THEIR written notification, I am eligible for PLSF. According to President Biden statement regarding PLSF, I have the XXXX  years of employment with the XXXX XXXX Forbearance to be included. I also have made required payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2020-07-17
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly keeps calling early in the morning. After I told them Im XXXX patient and have no money. Do not call and sent it in writing. They have ignored my request of do not contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My husband and I have a FFELP Joint Spousal Student Loan with MOHELA. A law was passed that was specific for us to separate our joint spousal student loan, XXXX. The Department of Education has stated that they do not have a plan or process yet to separate out our loans and are encouraging loan servicers to give us an administrative forbearance for one year until they develop a process to separate us out. I have called MOHELA on the following dates : XXXX XXXX XXXX XXXX XXXX, and finally today XXXX The first 5 times that I called, they told me that I was going to placed on an administrative forbearance. Then I received two pieces of mail stating it was a " processing forbearance '' and that those would end in a month and a half. Today when I called I was told that they were not going to put us in an administrative forbearance without having an ombudsman from FSA telling them to put us in one. I had reached out 2 times prior to today to the ombudsman group. Once on XX/XX/ and again on XX/XX/, telling them that I was having trouble getting an administrative forbearance. I had not heard back from them. I was instructed today from the FSA to open a new complaint with instructions to send MOHELA a letter instructing them to give us an administrative forbearance. I was also told it would take 2 weeks. I did that today. We now owe almost {$1200.00} on a payment as we can not get into any type of program to help us ease that burden. We have been paying for 20 years and both qualify for the temporary PSLF waiver which we got our paperwork in per instructions of the FSA. We are just asking for the administrative forbearance without capitalizing interest per the ED 's guidance for joint spousal student loans like other servicers are allowing and following. Thank you. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
Experian/Unknown Sources did over dozens of inquiries on my report without my permission

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 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX is furnishing account information to EXPERIAN and XXXX regarding an account which I have no knowledge of. I have never done any business with the company and have never signed any contracts with the company. 

The company has obtained my personal and financial information without my consent and is using my information without my consent. 

I contacted the company via CFPB to cease utilizing and furnishing my personal information. They have responded and agreed. 

Their response is attached to this complaint.

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 2022-11-02
Company: EQUIFAX, 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:
Please see attached letter that was mailed certified XXXX regarding my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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