BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX Balance : {$630.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Company: MOHELA
State: FL
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 was previously serviced by My Great Lakes, however after submitting my first Employment Certification Form for XXXX XXXX XXXX XXXX as a local government employee I was transferred to Mohela. I never had issues with XXXX XXXX, but Mohela is now becoming a massive headache. 

On or about XX/XX/XXXX, I noticed my Mohela account added an " alert '' to my account ( amongst other generic information for all borrowers ) that stated : -- - Renew Today! If we do not receive your income-driven repayment plan renewal request immediately, your payment may change and capitalization of unpaid interest may occur. To renew, sign into XXXX and select? Apply for an XXXX XXXX XXXX.? 
-- - Digging further into other pages on the MOHELA website, I noticed that they stated my XXXX Plan Renewal Date as XX/XX/XXXX. However, previous written guidance from XXXX ( https : XXXX ) stated that nobody would need to recertify prior to XX/XX/XXXX. If your recertification was noted to be before that date, it would be pushed back by a full year ( XX/XX/XXXX in my case ). There has been no official statement, message, or email on my account from Mohela other than this easily missable " alert '' compared to XXXX XXXX which sent clear reminder notices as the dates approached. 

I reached out to the XXXX XXXX XXXX XXXX XXXX based on the contact information listed on studentaid.gov. Unfortunately they stated that for XXXX XXXX XXXX I would need to contact MOHELA. 

When I called in to MOHELA early this morning, I had to hold for approximately XXXX minutes which was a pleasant surprise given the horror stories I'd read previously on hold times. The rep that was " in training with [ her ] mentor present '' said my plan shows it expired last month with them but my payment will continue as it was pre-COVID until I recertify again and it's " just something everyone working with it knows ''. 

I don't think something with as much baggage as federal student loans should be handled in such a cavalier/informal manner and submitted my FSA complaint after that as I do not want to end up in a situation where it is stated that I did not try to address this. 

My XX/XX/XXXX payment processed as normal for {$290.00}. As of checking my account on the morning of XX/XX/XXXX, my next " XXXX XXXX XXXX '' is {$640.00}. This clearly contradicts what I was told over the phone and is noncompliant with FSA guidance. 


Further, my federal loan and my private loan through XXXX, which is also serviced by Mohela, are getting crossed somehow. Since federal loan repayment resumed, I get monthly notices with XXXX logos stating my federal loan amount ( {$290.00} ) instead of the private loan amount ( {$550.00} ). This is further negligence in the way Mohela is handling my account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX Original creditor : 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NJ
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MI
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:
When I traded the truck. The dealer got the payoff and paid it. Well fargo sent me a bill and put it on my credit report in collections for years. I had to pay credit repair company to finally get it off. I bought the truck in XXXX from XXXX XXXX in XXXX mi. I traded it in XXXX in XXXX of XXXX at XXXX XXXX in XXXX Michigan.

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 2023-11-15
Company: MOHELA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I consolidated my loans with MOHELA, and received less favorable terms, solely for the purpose of eligibility for the Public Service Loan Forgiveness waiver ( PSLF ). All paperwork was submitted timely, and I have met there requirements for eligibility. 

MOHELA will not make itself available for inquiries. Their website is useless, and only directs you to forms and FAQ 's. Calling them is a waste of time because you will not get a live agent, no matter how hard you try or how often you call. Meanwhile, they are sending me bills for a loan that should be forgiven. This is egregious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a fake charge in the amount of {$4.00}, Reference Number XXXX placed on my Amazon Card number ending in # XXXX, XX/XX/2023 at XXXX. 
I did not make this purchase. 
There is no record of this digital purchase on my Amazon account. 
I filed a dispute with Synchrony Bank on XX/XX/2023. 
I wrote to Synchrony bank filing a dispute to state that I did not make this charge, the charge is fake since it does not show up on my Amazon account, Amazon Payment Solutions rep " XXXX '' confirmed this today. 
There is no legitimate activity number because Synchrony Bank made the error ; therefore, XXXX can not make any progress to fix this. 

I called Synchrony bank today Friday, XX/XX/2023 at XXXX, Yesterday, Thursday, XX/XX/2023 at XXXX, and Tuesday, XX/XX/2023 at XXXX, to report the charge is not mine, and {$4.00} remains on a new account that I did not request- I have no new card for the new account, and the XXXX reps do NOTHING to fix the erroneous charge. 
I am being sent payment reminders for a charge I did not make. 
I have not been able to use my Amazon Card account since XX/XX/2023 since Synchrony Bank closed my account ending in # XXXX. 
Synchrony Bank made a new account # XXXX to which I have NO CARD associated with this account!!! 
And the fake charge is on the new account!!!! It has not been removed. 

Synchrony Bank has been preventing me from making purchases since XX/XX/2023 since I have no Amazon Card associated with the new account they made!!

This is complete incompetence and has created grief that I have endured each time I have tried to get this charge off my Amazon Card account.

Attached to this complaint are 3 screenshots proving there is a fake charge Synchrony Bank made the error, and no orders on my Amazon account in the last 3 months.

And the email sent from Synchrony reminding me to pay the fake charge. 

I want my account # XXXX reinstated. My Amazon Card ending in numbers XXXX is the card I have in my possession. REINSTATE MY ACCOUNT IMMEDIATELY.

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 2023-03-01
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a savings acct and a CD with XXXX by Goldman Sachs. On XX/XX/XXXX instructions were given to close and wire my savings acct funds ( over 6 figures ) and then also, on CD renewal XX/XX/XXXX, close and wire those funds as well. After a 4 hour call on XX/XX/XXXX neither wire transfers had been initiated. I immediately asked that the accounts be combined and wired. On XX/XX/XXXX the savings account funds were sent but not the CD funds. Each time I would inquire the excuse was they got a account number on the wire incorrect. The receiving bank would initiate contact with no response from Goldman Sachs. This bank is externally linked to my account with Goldman Sachs. I have requested a call back on 5 occasions from anyone with XXXX. No one has attempted to call me. Every business day since XX/XX/XXXX I have contacted XXXX with Goldman Sachs and constantly got the run around. It is XX/XX/XXXX and instead of calling me with their error, they redeposited my funds in a new CD without my consent. I am now currently on hold requesting the wire yet again. I have instant chat conversations and multiple names and call logs with Goldman Sachs. They will not give me any supporting documentation of the activity of my funds since they closed the CD on XX/XX/XXXX. When I was told the account number was wrong, I asked what information they had so I could correct their mistake. Again, phone agent couldn't support any of the history of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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, this company has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 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 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 U.S.C 6827 ( 3 ) The term document means any information in any form. I demand this company Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Experian. The Provisions of 15 U.S.C 1601 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advise that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in contract/agreement giving that option to share my nonpublic information. 15 U.S.C 6802 ( B ) 1b the consumer is given the opportunity, before the time that that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 U.S.C 6802 ( B ) 1c the consumer is given an explanation of how the consumer ca exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and Experian ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I, with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I submitted a request for mortgage assistance to Ditech Financial. Since then, I have been submitting requested documentation so that this can be reviewed for assistance. 
On XX/XX/XXXX, Ditech sent me a letter stating that they have transferred the servicing of my loan to Green Tree Servicing, a company that was a subject of a class-action lawsuit for failing to honor loan modifications that were in the process of being finalized when consumers loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. 

Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. Although they have informed me that the request for mortgage assistance is still in review - they are engaging in dual-tracking by also advising me the the foreclosure sale is still moving forward on XX/XX/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 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or accounts which do not belong to me. Please block these erroneous accounts : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I took at look at my credit report and someone ran my credit trying to get a home in my name. I never authorized this and had no purpose to get my credit for a home. I tried calling customer service department and disputing these inquiries and I wasnt able to get helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: AR
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 hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account. 

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : 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

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