BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-05-10
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-05-10
Company: Experian Information Solutions Inc.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Account number XXXX 15 U.SC 1681 Section 602A 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-12-04
Company: EQUIFAX, INC.
State: NV
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:
I was a victim of Equifax data breach. In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. 
My credit cards now show as being late and having a very high balance. 
I have never missed any payments and have a XXXX balance on my credit cards every month. I have never carried a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
602-15 U.S.C. S1681 ( a ) ( 1 ) : States that the banking system is dependent upon the fairness and accuracy of credit reporting and that inaccurate credit reports directly impair the efficiency of the banking system.

616-15 U.S.C. S1681n ( a ) ( 1 ) ( A ) : States any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer .. and because of negligence of the consumer reporting agency i was denied mortgage and job opportunity and demand damages be awarded.

U.S.C. S1681s-2 ( A ) ( 1 ) States the consumer reporting agency is regulated to reporting accurate information and can not furnish information on a consumers report that they deem inaccurate.

604-15 U.S.C. S1681 ( A ) ( 2 ) Consumer reporting agency can not furnish an account without my written consent 602-15 U.S.C. S1681 ( A ) States consumer has the right to privacy which was not respected in transaction from said company.

611-15U.S.C. S1681 ( I ) ( 5 ) States if information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall delete said accounts. 

XXXX department of XXXX - XXXX Inaccurate Information [ XXXX ] Department XXXX XXXX - XXXX inaccurate information [ 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 2023-08-04
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Screening disputed : XXXX XXXX Reason : Wrong Person Case number : XXXX Charge XXXX XXXX Location : XXXX, FL Explanation : This is not mine. My name is XXXX XXXX XXXX XXXX I am not affiliated with this person. I dont know who this is. Please XXXX there needs to be some type of fairness. XXXX XXXX XXXX is not me I have never dont XXXXXXXX XXXX XXXX XXXX XXXX XXXX  None of these county searches are me. 

I have attached My Id to show my full name. This has damaged my way of living. 

Checkr and XXXX should be very much responsible for this inaccuracy. 
This is how I feed my kids!!

15 U.S. Code 1640 Civil liability states damages up to {$1000.00} per violation for damages. If I can't get this resolved. I will like to Extend my rights. This is discrimination. I am not this person. I have attached the results below., if a person or party is found liable for a non-criminal act that caused harm to the plaintiff, they are legally required to pay the monetary funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. 

I firmly believe that this limitation was a result of a misunderstanding or mistake, as I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a severe action. 

Given the importance of my PayPal account in facilitating both personal and professional financial transactions, I kindly request that PayPal conducts a thorough re-investigation of my case. My primary objective is to have my account reinstated, allowing me to continue utilizing the services that PayPal offers. 

I am fully committed to cooperating with PayPal 's team during this re-investigation process. I am willing to provide any necessary documentation or information to help clarify any concerns and demonstrate my compliance with PayPal 's policies. 

I understand that PayPal 's commitment to maintaining a secure and trustworthy platform is paramount. However, I believe that a re-evaluation of my account 's situation will confirm that I am a responsible and law-abiding user. 

I kindly request your prompt attention to this matter. Restoring my PayPal account would greatly alleviate the inconvenience and disruption that this limitation has caused me. I eagerly await your response and hope for a swift resolution. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-08-25
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX XXXX, XXXX XXXX XXXX reported a balance of {$440.00} to all three credit bureaus. I paid {$100.00} in XXXX, which brought the balance down to {$340.00}. PDM has not reported to the credit bureaus for three months. On XX/XX/2023, I filed a dispute with XXXX stating that they were reporting the wrong balance for my account. XXXX finished this dispute, and they stated that PDM has verified that my balance is still {$440.00}, and no payments were made. Because I provided XXXX proof of payment, they opened another dispute. PDM intentionally reported false information. I reached out to PDM and spoke with XXXX XXXX who was nasty and started a fight because he knew he was wrong and could not give a valid reason as to why they reported false information when they knew I had made a payment. I recently made a {$200.00} payment, so my balance is now {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: MOHELA
State: CA
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:
Mohela had no record of my prior IDR payment amount despite the fact that it should have ported over from XXXX, despite the guidance from the XXXX XXXX and DOE. I was told to reapply to get an IDR payment amount. I did so and Mohela apparently cant seem to calculate my correct payment amount. As a former teacher with a new baby, this stress in entering repayment has been hard to bear. 

I applied to the save repayment plan with my financial information as well as my spouses. The Mohela application correctly calculated my payment amount as allocated between my spouse and my loans ( Est. {$60.00} of a total of est. {$360.00} ) ; however, the amount actually applied to my account as I entered repayment was the full amount both my spouse and i are required to pay rather ( est. {$360.00} ) than the allocated payment amount based on my relative loan percentage ( est. {$60.00} ). My spouse has roughly XXXX in loans while I have a mere XXXX in loans, so this payment distribution makes no sense. 

Initially I was put into admin forbearance in XXXX for this calculation, presumably, but when I was put on repayment for XXXX, the amounts were erroneous as described above. 

I'm troubled that this miscalculation occurred as I provided accurate financial information through the servicer 's repayment verification process. I did not receive a copy of the information entered, and instead only received billing information with the incorrect amounts. 

I have contacted mohela several times and asked for a review of my account and a temporary placement into administrative forbearance while they review and preferably rectify their payment calculation issue, but i have received no reply despite these inquiries. This is despite their claim that they will respond within 3-10 business days. 

I would be fine paying my loans at the correct amount but my spouse and I will not essentially double pay for the servicers miscalculation. 

as Mohela has been unresponsive and i have little desire to wait on hold lines for hours to be told incorrect information ( as my spouse has experienced several times ), i'm hoping this complaint process can spur correction. i'm happy to provide whatever information is needed. thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
During the process, i applied for forbearance at the beginning of XXXX XXXX. I received a letter saying I was approved, I still continued making payments in which then I called and said, " I no longer need help from forbearance. '' This is when I was told I was never approved for forbearance because I was " behind '' XXXX  months. I then tried my best to come up with the XXXX  months, I paid the XXXX  months with some money i received, and as i made the payments the tailor told me that the forbearance had been approved. I then asked to receive the check that i already paid but the tailor said she would have to mail the money back to me. As i called the back, I was informed that everything was cancelled because of the money I took back. The money that i took wasn't supposed to have any effect on the process because that was the XXXX  months which was claimed to not be paid, so I had to restart the process of the forbearance again. As i was waiting for the next forbearance release process, I paid the XXXX months over again in the amount of {$3600.00}. I wrote them and thanked them for their help. My case was ongoing for XXXX  months and after the fact, I paid the XXXX missing months meaning my case should've been up to date. Around XXXX this year, I received a letter from HUD claiming that I owed them {$3600.00} for the payment I already paid for the XXXX months I was behind. There are also some payments that I have on record which the bank doesn't have.

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 2022-12-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A transaction occurred in XXXX that was not performed by me. That transaction occurred in the local supermarket I always go to. I only made {$6.00} shopping that day. However, when I checked my bank account, a {$130.00} purchase was made on the same day, from the same market, at the same time. Of course, I went to the supermarket instead of calling the bank to talk first. Because my debit card was still with me, there was no theft, just extra money was taken without my authorization. When I spoke to the XXXX of the market, he looked at all the transactions about that day and the previous day and even gave me a document. There is no such amount in their system. Only the {$6.00} amount I actually shopped for was visible. As a matter of fact, I found the care by calling my bank. A few days after making the announcement, they deposited the money back, but after their extra investigation, they took the money back from me. When I asked why they took it back, they explained that they did not see it as a fraud in their system. Yes, my card was not stolen, but I did not make this transaction, when I asked if it would not be considered fraud, it was rejected again. I went to talk to the market again and they checked the transactions on my behalf for me again for that month, but only the purchases I made in previous transactions which are correct. Citizens Bank did not help me at all, I had XXXX accounts, XXXX was the account where I saved my money, and I took all the money from there and transferred it to another bank. At the same time, I kept a police report. Because I am a real victim. If I wasn't a student, I would go to court if I had the opportunity, because I don't want to let go of this, but I can't afford to hire a lawyer or pay the court costs. All I want is for my bank to deposit back the amount of the transaction ( {$130.00} ) made without my consent. Whether the amount of money is small or large, these people 's money is earned by working hard. I do not want to let these efforts disappear so quickly in the system. Please do not ignore this request. This is the only path I can apply for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit 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:
To whom it may concern, This letter is to express my dissatisfaction with Wells Fargo 's credit card dispute practices and customer service. I don't check my Wells Fargo credit card account regularly. One day, I realized there was a charge totaling {$1600.00} from XXXX I called XXXX to report the charge which I didn't authorize for. They said they can not refund it even though it was a fraud charge. Then, I contacted to Wells Fargo on XX/XX/2023, to dispute the fraudulent charge. They credited the full amount 2-3 days after my call. Then, I saw bank adjustments charges of {$190.00} and {$360.00} on the XXXX of XXXX. I called the bank to ask about those charges. They said that XXXX  refunded the money, because of that, there are adjustments. In XXXX, when I log into my account to schedule payment for my credit card. I noticed that the total balance is quite high. I checked the activity and saw that there was a charge " bank adjustment '' totaling {$1000.00}. XXXX. I called three times to ask about for this charge. I was told that this was the rest of the XXXX XXXX charge they credited, so Wells Fargo is charging for the fraudulent activity in my account. I don't have any evidence or any supporting documentation for their decision. They didn't help me with the fraudulent charge, on top of of that they didn't even bothered to follow up with me. I was proactively following up with them, although no one could even answer my questions. XXXX of their customer respresentatives hang up on me. The other customer representative misinformed me, basically lied to me saying that XXXX is paying me back, and it is a pending transaction, that is the reason why I don't see it in the activity center. It has been a week since my last contact and I haven't seen an incoming fund so far. Wells Fargo unprofessionally mishandled my situation and failed to resolve the fraudulent charge. 
Sincerely

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