BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of Total & Permanent XXXX has been approved and my loan is completely forgiven/discharged. The notification was also sent to MOHELA on XX/XX/XXXX for it to process the student loans from it's servicing so that XXXX  process the forgiveness/discharge of the student loans in the amount of {$140000.00}. With all of the confusion, administration back peddling, lawsuits filed by or on behalf of MOHELA challenging the student loan forgiveness programs, and recent CFPB announcement regarding the ill acts of loan servicers ; I would like MOHELA with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. I filed a dispute with the 3 credit bureaus to expedite getting the inaccurate reporting off my credit reports ; MOHELA however verified that the $ XXXX balance was correct with at least one of the credit bureaus ; which is erroneous as of XX/XX/2022. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX we bought XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX do to them adjusting skill mortgages we tried to get a lower rate and a fixed rate. But went in foreclosure filed bankruptcy this didn't help payments didn't go to Wells Fargo. They foreclosure on out house XXXX we tried everything to figure out why XXXX was not reporting monies paid lost home

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 2023-05-04
Company: Experian Information Solutions Inc.
State: LA
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:
1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX  ACCT # : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 explanation
Consumer complaint received 2023-02-13
Company: CITIBANK, N.A.
State: TX
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:
Contacted credit card for a billing dispute in the amount of {$1500.00} ( XX/XX/2022 ) for services not rendered by merchant. I provided documentation and received a letter from bank card on XX/XX/2022 stating since a credit slip was not received that are leaving me with the charge and closing out the dispute. It is obvious that a merchant is not going to willing to provide a credit slip when they are clearly in the wrong.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2022 XXXX XXXX XXXX Hard checked my credit without my consent. I was under the impression this was a soft pull and would not affect my credit.

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 2022-07-23
Company: EQUIFAX, INC.
State: TX
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXXDEPT OF EDXXXX XXXX Balance : {$18000.00} -DEPT OF ED/XXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXXXXXX Balance : {$7700.00} -DEPT OF ED/XXXX XXXX Balance : {$5400.00} -DEPT OF ED/XXXX XXXX Balance : {$4200.00} -DEPT OF ED/XXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX  XXXX Balance : {$1900.00} -DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Was shopping for refinance loan on my home, XXXX XXXX informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Chime Financial Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 I went to XXXX store number XXXX address XXXX XXXX XXXX XXXX Alabama XXXX to load {$300.00} on to my chime card. The lady made me swipe my card twice cause she said it didn't work the first time. At XXXX {$500.00} was deducted from my account for " adjustment ''. At XXXX the {$300.00} was deposited into my account. I have contacted chime and XXXX and no one is helping me to resolve the issue. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I work as a XXXX XXXX  and needed housing for my upcoming assignment. I responded to an ad for housing in XXXX XXXX. I received a response from XXXX XXXX who was working with XXXX XXXX and XXXX XXXX. They sent me an application and an extensive rental agreement. They were very responsive initially. Before sending any money, I searched on google maps, found the advertised property and I searched all three names to see if any red flags came up. Nothing displayed. I subsequently sent {$1500.00} + XXXX deposit to reserve the dates. Unfortunately, my job pushed back my start date. Once I notified them of this, I was asked to send in another {$2500.00} to hold the unit for me. I was told that I would receive the keys in the mail. Well, prior to my move in date, they stopped responding to my texts and emails and disconnected their phone number. I then did a reverse search in XXXX, a different realtor came up for the same apartment complex.She told me that my name was not in their data base and the people listed above had stolen her listing information. I made payments through XXXX accounts : XXXX  XXXX XXXX, XXXX XXXX and USAA. I was told that I should have known it was a scam and that I was responsible for sending the money. I was also told that XXXX XXXX has an account with XXXX  XXXX XXXX. I don ; t understand why the banks would side with a scammer and not reverse the payments. I have proof of receiving the application, the rental agreement, the name and address of two of the scammers and phone number of the agent whose information was stolen, as well as proof of the money that I sent via XXXX. This has caused me to secure a hotel for 3 days and pay for another dwelling for my work assignment. I hope this can help others, but I would also like my money back. Can you help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted different disputes about this information and they keep rejecting.

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 2023-05-13
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Gentleman, This is a follow up on several complaints I have concerning XXXX XXXX. On two occasions XXXX XXXX responded that it was not the appropriate company at issue. On its third response it finally acknowledged the case is in litigation as I claimed. XXXX XXXX is Wrongfully pursuing foreclosure action against me and has been doing so since XXXX. I have provided corroboration documents of the truth of the matters asserted. XXXX XXXX refuses to respond to my concerns regarding its Wrongful foreclosure action against me. In XXXX XXXX 's latest response, it purports that it is unable to respond to me directly and has requested I contact the third-party servicer, PHH Mortgage who has nothing to do with this " loan account ''. As evidenced in the attached XXXX XXXX Ruling XX/XX/XXXX, XXXX XXXX is the appropriate company that needs to address this issue. I am attaching XXXX XXXX 's response to my complaint. I am attaching the Pooling and Servicing Agreement again which clearly states on page XXXX of the Prospectus " THE TRUSTEE XXXX NOT ENFORCE THE MORTGAGE NOTE AGAINST THE RELATED BORROWER ''. I am attaching the APPELATE COURT RULING dated XX/XX/XXXX which clearly states " XXXX XXXX HAS FAILED TO SUBMIT EVIDENCE PROVING IT IS A PARTY TO ENFORCE THE PROMMISSORY NOTE AT ISSUE ''. XXXX XXXX XXXX TRANSFERRED THE " NOTE AND MORTGAGE '' TO XXXX BANK EVEN THOUGH THE APPELLATE COURT RULED IT IS NOT A PARTY TO ENFORCE THE PROMISSORY NOTE AT ISSUE. XXXX XXXX HAD NO AUTHORITY OR RIGHTS TO TRANFER OWNERSHIP OF THE " NOTE AND MORTGAGE " AT ISSUE. THIS IS FRAUD AN ILLEGALITY. PHH Mortgage refuses to address the issues at hand as well. PHH Mortgage is now passing this complaint off to another third party servicer who has nothing to do with the " loan account ''. PHH Mortgage has provided a payment history but not the loan account. PHH MORTGAGE has provided two FALSE, FORGED, FRAUDULENT AND FABRICATED AFFIDAVITS OF AMOUNTS OWED. I am asking PHH Mortgage to respond accordingly to the issues I have addressed and am attaching the corroboration documents again for them to respond accordingly. THIS COMPLAINT IS FOR PHH MORTGAGE. XXXX MORTGAGE HAS NOTHING TO DO WITH THIS COMPLAINT AND I AM ASKING PHH MORTGAGE TO NOT HAVE XXXX XXXX RESPOND TO THIS COMPLAINT WITH THE SAME INVALID DOCUMENTATION WHICH HAS NOTHING TO DO WITH THE ISSUES AT HAND. 

KINDEST REGARDS,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
First, XXXX $ was withdrawn from my savings account by Coinbase, without authorization on XX/XX/XXXX ( XXXX ) and XXXX ( XXXX ). I never received any confirmation or contact from Coinbase and I didnt authorize. I submitted a case number and complaint to Coinbase. They said theyd investigate and get back to me. I have not heard from them. My bank recovered and resolved my fraud claim. Then, on XX/XX/XXXX, XXXX $ was removed and disappeared from my account w Coinbase. Again, no confirmation or contact was made to authorize this. I didnt authorize this. I contacted Coinbase via email/online complaint form. I also called their phone number provided but the call hung up after pressing an option. There is no customer service via phone available..only email. Have not heard back. Their standard response is under review. There is no progress update, details relating to any emails sent, estimated time, phone contact though Ive requested it. They also lock the account at various times and make accessing the funds impossible. 

There are transactions listed that were not made. Later those transaction history disappears. Ive received an email stating funds were recovered but no other info given. The emails provide nothing but blanket statements that they resend over and over. There is no phone support. 

There was XXXX dollars remaining in that account. I sold my holding for that amount bc I worried about that loss. I was sent 2 confirmation emails for this transaction. As of yet, that money hasnt been moved into my banking account. Its supposed to happen in 1-3 business days. It hasnt happened and I have no way to redress any of this with them. 

i have been researching Coinbase recently and see there is widespread fraud via news articles, posts on XXXX, XXXX. 

this needs to be investigated. There is nothing preventing Coinbase itself from stealing these funds. 

I have submitted this information with the SEC. they recommended contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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 USC 1681. 

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  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 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 any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2022-10-07
Company: Experian Information Solutions Inc.
State: DC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-27
Company: EQUIFAX, INC.
State: NJ
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 asked & submitted documents supporting my case of fraudulent inquires on my credit report & Equifax neglects refuses to correct the issue. They claim they removed the items but there still showing up on m credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unsure who this company is, every month the go back and forth by raising and lowering the amount supposedly owed by LITERALLY {$1.00}. It has been 2 years I cant get these people to stop. I dont have an account with them not have I ever, I have asked to see a contract that I signed with them and gotten nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: NRA Group, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Recovery Agency ( hereinafter NRA ) is obligated and has failed to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency. has furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. 
NRA has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 
This consumer has yet to receive a written Notice of negative/adverse information from NRA and the time allotted for doing so has since expired.

NRA has incurred statutory liability under the Fair Credit Reporting Act as a direct result of its failure to comply with the above mentioned title and section.

NRA is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

NRA has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
NRA has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX and XXXX. 
NRA has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ). 
On or around XX/XX/2023 NRA communicated a text message stating I owe a debt without informing me that this debt can be disputed. I communicated back to mark this debt as disputed and to cease contact. On XX/XX/XXXX, I received back to back phone calls with a voicemail left regarding this alleged debt. Another clear Violation of the FDCPA.

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 2021-12-14
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I am requesting statements of all of my late payments that are reporting to all of my credit reports. I noticed that I have several late payments reporting that I do not recall. This is negatively affecting my credit score and keeping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: World Acceptance Corporation
State: SC
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 filed a investigation with XXXX, XXXX, and XXXX about my account with World Finance account ending in XXXX. As well as XXXX XXXX, XXXX. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. 
How can it be a charge off account and report with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: TN
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:
I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies.

Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

I have tried fixing it with credit bureaus several times. PLEASE DELETE

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