BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to do a Harp and was told repeatly forms was missing. I was going into forclosure and filed bankruptcy 2012? After the bankruptcy I did not know that my adjustable mortgage had ended and I was still paying interest only, about four months had passed an I was told I had to pay the full amount. Now I was behind in my payments. In 2012 I was on workers ' comp, and did my modification and my payments increased. After paying bills that comes with the house, like gas, electric and water and garbage and my cell phone bill it left me without any savings. I had to borrow money to live, I have written letters stating that NationStar Mortgage had my income verification wrong and my payments should not be more, for a modification that turn into a interest-free forebearing and a ballon payment and for years I have not paid anything on this forebearing. NationStar/Mr. Cooper just added the interest free forebearing to my mortgage the forebearing is mostly attroney fees, I could have made the full payment, but they would not accept any payments before the modification started. This is my second compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: ENOVA INTERNATIONAL, 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: Their investigation did not fix an error on your report

Complaint:
FROM : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reference : Netcredit Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
NC FINANCIAL reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from NC Financial shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with NC Financial and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIBANK, N.A.
State: CA
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:
This message is to appeal case : XXXX with Citibank Appeal Context XX/XX/XXXX Fraudulent XXXX order XXXX items to be shipped to Kentucky. ( I live in XXXX ) XXXX XXXX. XXXX for {$210.00} ( item 1 ) XX/XX/XXXX I saw the order confirmation in my email and contacted XXXX the customer service phone number, trying to cancel the order, but with no success. The cancellation window had already closed. 
Customer Service Survey regarding this interaction was sent XX/XX/XXXX. ( item 2 ) I contacted customer service XX/XX/XXXX for proof and further confirmation of this interaction ( item 3 ) XX/XX/XXXX I contacted Citibank and began fraud case Initial letter with context was mailed to citibank service center XXXX XXXX XXXX XXXX XXXX, SD XX/XX/XXXX XXXX XXXX Police Dept report was created. Report no : XXXX ( item 4 ) FBI Internet Crime Complaint Center ( IC3 ) Report was created. ( item 5 ) 15 U.S. Code 1693g - Consumer liability In any action which involves a consumers liability for an unauthorized electronic fund transfer, the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized or, if the electronic fund transfer was unauthorized, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the transfer was initiated after the effective date of section 1693c of this title, that the disclosures required to be made to the consumer under section 1693c ( a ) ( 1 ) and ( 2 ) of this title were in fact made in accordance with such section. ( item 6 )

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 monetary relief
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting on my credit report and I never received anything from them nor do I know what this is. 
I have disputed it with the bureaus and they have yet to validate the account. XXXX XXXX is not valid verification and XXXX XXXX doesn't have any documentation for this debt.

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 2021-08-06
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: ME
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:
Experian lowered my credit score in retaliation for disputing an email alert they sent to me. 
On XX/XX/2020, Experian notified me that they had raised my credit score by 3 points to XXXX. On XX/XX/2020, my credit card company which uses Experian data, reported that my credit score was now XXXX. On XX/XX/2020, I received an email alert from Experian that my credit balance had been reduced on one of my accounts. I pay off my credit cards every month and have never been late on a mortgage payment. I have never received a notice like this before. When I logged into Experian, I learned they were reporting on my mortgage. They had apparently erroneously reported my mortgage as a credit account. My mortgage goes down ever month with my monthly payment but is never reported as a credit decrease. On XX/XX/2020, I disputed that information so Experian would see their miss-classification. Instead, on XX/XX/2020, Experian sent back the information on the report on my mortgage that I had always paid my mortgage on time and that they were lowering my credit score by XXXX XXXX from Exceptional to Very Good. By some miracle, I was able to talk with a person from Experian who told me I couldn't be in the Exceptional group because I didn't have enough accounts. I have had a FICO score above XXXX for years with the same number of accounts. The only thing that changed in the 12 days after Experian raised my credit score was that I filed a dispute regarding their alert error. My credit score was lowered solely because I filed a dispute. The date of the change made that quite obvious.

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 2017-11-28
Company: Adler Wallach & Associates, 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:
I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: NY
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:
these accounts are affecting my credit report. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a  reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-13
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:
I am a victim of identity theft/fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from 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 2021-04-23
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a XXXX authorized user account appearing on my credit report from Equifax. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. XXXX XXXX reported the account as recently as XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: Merchants' Credit Guide Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This says it's a medical debt for XXXX. I tried calling the phone number provided but it only rings and no one answers.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It has been over 60 days since I have not heard back regarding an investigation of inaccurate, unverifiable, and invalidated information. This is a clear violation of the fair credit reporting act.

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 2020-06-24
Company: EQUIFAX, 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:
MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX. On XXXX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ran my credit report and soft inquiries have been run on my report for things that I have not authorized, as well as seeing an address in my credit report that does not belong to me. Also every 2 weeks I get text notifications stating that money has been deposited into a payday loan and that payments on a payday loan have been made. You can see the soft inquiries on the credit report I have run and I will start to save the text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase continues to make hard inquiries on my credit report, even though I never authorized them. I submitted a dispute letter and attempted to place a fraud alert with XXXX in XX/XX/XXXX. This stopped the inquiries for a time, but it started again on XX/XX/XXXX. 

The company 's information is as follows : CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Here are the dates that my credit was checked without my permission : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company keeps harassing me with constant telephone calls. They are calling me to collect on debts of which I have no knowledge of. I have informed them that I was the victim of identity theft back in XXXX of 2020, and to stop contacting me. I believe that any accounts associated with this company were the result of identity theft. They refused to provide me with any relevant information due to my inability to validate the information they have on file. It seems they may have information pertaining to another individual. At this moment, there has been no negative impact on my credit reports. However, I anticipate that this may change in the future. 

I was able to gather the following information from them via our telephone call. 

Medical Data Systems ( MDS ) XXXX XXXX XXXXXXXX, FL XXXX XXXX ( Representative ) XXXX ( Supervisor ) Phone number : XXXX ( XXXX ) XXXX Fax : XXXX Police report filed on Wednesday, XX/XX/2020 ( XXXX XXXX ) XXXX XXXX Sheriffs Department. 

Incident Submission # XXXX FTC report number : 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 2020-10-13
Company: Experian Information Solutions 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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts 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 2021-04-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company has tried to reset my account password multiple times, even I did not request it. 

I received multiple emails asking for the verification code, I ignore it because I thought it was a Scam. 

The day after the incident, I received emails about my account being temporarily limited. I have provided the details needed. 

After that, they send another email asking for more information, then I provide more information and then I have received it again my account being resetted without me requesting it and then they Permanently limited my account.

Company response to consumer: Closed with explanation