BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: Experian Information Solutions 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:
Since XX/XX/XXXX and most recently XX/XX/XXXX, Experian has failed multiple times to provide me with the results of their investigation after I asked them to validate the debt with the creditor as they are NOT mine. To this date, they ( Experian ) have used several tactics inclusive of asking me to send them proof that I am who I say I am and accusing me of being a third party to my own information. However, I AM the consumer, and I have sent copies of my DL and SS card multiple times to them. I also feel that Experian is utilizing this practice to circumvent and distract me from the fact the creditors were unable to verify the debt because they are not 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 2023-10-09
Company: Experian Information Solutions Inc.
State: MD
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 XXXX 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 an alleged fraud or extortion. 
XXXXXXXX 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 2020-03-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan No. XXXX Mr. Cooper Mortgage Company : Nationstar Mortgage dba Mr. Cooper XXXX XXXX XXXX XXXX XXXX Texas XXXX Account Number : XXXX ( XXXX ) XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Hardship Letter To Whom It May Concern : I am writing this letter to request a modification of my mortgage. I fell behind due to loss of income and although I now have income sufficient to make a payment, I can not pay the past due amount. This causes a problem, as Mr. Cooper will not accept a payment unless I pay all of my arrears. 

I am hoping you will help me family save our home by giving me a modification so I can honor my obligation and begin making payment as soon as possible. 

Thank you! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or around XX/XX/2023 I realized my PayPal account was hacked. My password and security questions were changed as well as my passwords.

3 transactions were made.

1 ) {$280.00} was transferred to my account. Transaction ID : XXXX XX/XX/2023 XXXX ) {$290.00} was sent to someone named XXXX XXXX XXXX ID XXXX Transaction date XX/XX/2023 XXXX ) XXXX was sent to XXXX XXXX XXXX ID XXXX Transaction date XX/XX/2023 XXXX ) On XX/XX/XXXX there was a dispute on my account regarding a transaction I did not make. XXXX XXXX disputed XXXX Transaction ID XXXX Case ID XXXX PayPal sent an email regarding suspicious activity on my account and locked my account. I called PayPal to report that my account had been hacked and I did not make these transactions. They guided me through the steps to reactivate my account which I did. 

On XX/XX/XXXX I called PayPal to discuss the dispute email I received and was told that since I had already called to report the fraudulent activity they were looking into it and no action on my part was required. 
I received a notice that the case was resolved in the buyers favor and my PayPal account showed as negative XXXX I called PayPal to explain that I did not make this transaction and my account should not be negative. I filed 2 cases both of which were closed saying they do not see fradulent activity. 

I have been calling PayPal to explain that I did not make a transaction with XXXX XXXX and that I am not a seller on PayPal and I do not have an open XXXX  XXXX account which is where the money was sent. 

On XX/XX/XXXX I called PayPal to open a dispute again and was told that prior disputes were not resolved because inadequate information was provided to the back office investigating my claim. 

On XX/XX/2023 I attempted to make a purchase with the on-line retailer XXXX using my PayPal account XXXX Instead of processing my transaction for {$110.00}, PayPal took {$290.00} from my account although this is not money I owe. 

I am looking to have PayPal thoroughly investigate my situation and return the funds owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-10-08
Company: MOHELA
State: NC
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 am on XXXX and switched to the new SAVE plan where my payment will be {$0.00}. Mohela, however, calculated my payment to be {$81.00}. I have called multiple times and they agree that it should be {$0.00}. They have, however, placed me on a processing forbearance for XXXX months to get this corrected. These XXXX months will now not count towards my 120 months because of their incompetence. If they had placed me on an administrative forbearance then the months would count. 
What they are doing over there deserves a federal investigation. I constantly receive correspondence that is backdated by as much as XXXX weeks so they look like they are following the rules. 
At present, I just want my months to count because it is not my fault that they can not calculate a payment.

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 2023-01-05
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received statement from Discover on XX/XX/2022, I tried contacting them by mail no responds and the violations continue violation 15 USC 1605 ( a ) Determination of finance charge violation 16 USC 1692c ( 2 ) ( a ) ceasing communication failure to do that violation 15 USC 1692f ( 1 ) unfair practices violation 15 USC 1692e ( 2 ) ( a ) False or misleading representations they continue to violate my rights with no regard. I also had an unauthorized payment of XXXX took out of my account and told them about it and stated that it was fraud and they said there was nothing they could do about it, so they took XXXX out my account and never returned it to my bank when they said they would and continue to rack up all kind of unnecessary chargers to my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-01-04
Company: EQUIFAX, 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 just received my investigation results twice from Complaint ID XXXX and Complaint ID XXXX and saw some accounts were verified by you. However, I have a few questions : How did you complete your investigation? Did you talk to my neighbors, friends, family, etc? If so, please inform me of the person who completed this investigation. One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Delete This account Immediately, unless you want to pay {$1000.00} per violation 2 ) Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX Delete This account Immediately, unless you want to pay {$1000.00} per violation Please See my attached Credit Reports Printed on this Date XXXX and this Date XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I reached out to TransUnion to have unauthorized Hard Inquiries removed from my credit 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 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$5200.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 

I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : 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 non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I've submitted disputes your way and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes, thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Rocky Mountain Capital Management
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom this May Concern, Rocky Mountain Capital Management is illegally furnishing inaccurate information on my consumer report. I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing. 

Be advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place. 
You have 5 days from todays date to remedy this alleged debt. 
Please do not contact me if it does not pertain to this matter at hand. 

Best Regards, Without XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to unfreeze my credit with Experian credit report the system locked me out, I tried calling them, and I just get the automated system which can not help me and will not transfer me to a real person. My problem is easy fixed it a human would talk to me. Until them my credit remains frozen.

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 2022-11-10
Company: EQUIFAX, INC.
State: AZ
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 2021 during the Covid pandemic student loan payments were not required to be paid and the credit reported agencies reported my loans as late payments. I disputed this and provided documentation however, nothing came of it. My student loans are regular XXXX federal student loans that are not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: VA
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 sent a letter out on XX/XX/2022 to Equifax. Here is my Report number : XXXX. However, The credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a consumer creditor or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How they complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account.

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 2023-10-08
Company: MOHELA
State: CO
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 paid off one of my student loans, the higher interest of the two that I have, XXXX weeks ago. My current loan detail information shows a {$0.00} balance, but they have not closed out the loan account. This in turn has meant that I am accruing interest at a higher interest rate than I should. I should be at the 4.05 % that my second loan is at, not the 5.25 % they show due to my higher loan, the one with a XXXX balance, being a 5.8 % loan and causing the average to be 5.25 %. I can not get a hold of anybody at Mohela to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation