BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency is MCM. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bill. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AES/PHEAA
State: PA
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 in the Loan forgiveness program and the system is saying I have 7 more payments to qualify for the forgiveness. When in reality I have paid 7 more payments then necessary. Every representative that looks at my case states the same thing " I should be beyond the requirement. '' From first contact persons to supervisors. The supervisors have submitted for expedite my case for review ... but this has not happened. I started communications in XX/XX/XXXX and still being advised that once some one will look at my case it still can take up to 13 months. Also I was advised to submit for Temporary Expanded Public Service Loan Forgiveness ( TEPSLE ) Since I qualify for that since my loan forgiveness application was denied. So I did that, but again they tell me I will just be put me on a waiting list to be reviewed for that program, but may be faster. 
In closing I have in good faith did exactly what the program said to do and now feel like no one can help me even though the people I have talked to tried. It sounds like there are others in the same situation that I am. Hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/XXXX, I sent a check for payment of my property tax, placing the check in a XXXXXXXX XXXX XXXX XXXX XXXX I noticed that the check was deposited and cashed XXXX days later. 

In XX/XX/XXXX, I received notification of delinquency in payment, and that is when I contacted XXXX and the bank. The check was clearly fraudulently cashed. 

Wells Fargo ( not my bank ) cashed it to the fraudulent party ( unknown to me ) and despite my bank ( XXXX ) making multiple inquiries and requests to return my money, they have not. It has been XXXX year. Absolutely irresponsible and inappropriate. 

I had to pay fines to XXXX XXXX and am out several XXXX XXXX  dollars. 

I need help making Wells Fargo address this and pay 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 explanation
Consumer complaint received 2021-11-24
Company: Bread Financial Holdings, Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
Comenity Bank ( Victorias Secret ) has refused to remove the late marks on my credit. 

I had been told they were deferred due to XXXX and me not working full time hours due to XXXX i did defer them. With that being said, the last week or so that I have spoke with people about this issue I have heard 3 different stories.

I was first told they could only defer them for 2 months, then i was told they could defer them for 3 months and lastly was told I could defer them for 12 months. Regardless of them not knowing what is even going on within their own company, every month I called in, just as I always have to make payments and was told it was still " deferred ''.

Im going to relate this to my own life experiences. I help manage properties and during COVID we did have to allow the rent to be deferred. With that being said, I, myself, kept up with who had deferred rent and how long. That was my job, as it was Comenity Banks job to assure I paid my payments. With that being said, after the second or third month of deferred payments, if they were no longer deferred they should of let me know. Because each month i called in i only got " your payments are deferred '' I never received an email or letter. 

Now on to the next scenario. After i had paid my account in full in XXXX of XXXX, I was still being charged late fees til XXXX. When i confronted them they had no idea why i was even being charged those. So now i feel as if Comenity kept charging me for late fees or pentalizing me for things that was not even relevant. I can attach those to this email. 

All in all my experience with this has been unfair, from the beginning. I am not asking for a refund, I just simply want the late marks removed from my account because i feel as if i have been treated poorly from them and been overcharged in more ways than XXXX. If i had not paid off my Credit card and seen i was still being charged afterwards i would have never noticed the extra {$40.00} being charged to my account every month. 

Long story short. Months XXXX XXXX and XX/XX/XXXX ' ( which i did make a payment in, ill attach that as well ) were all suppose to be deferred from my understanding. It was Comenities job to assure i was aware my deferment period was over, considering ive been told several different things in the last week about deferment and how long it was suppose to last, i do truly believe there is too many people unaware of the jobs they are doing there. 


Attached is the XXXX payment, as well as the XXXX payment which I was paid off, then you see i was still being charged even after

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After the vehicle was repossessed, Nissan Motor Acceptance XXXX ( NMAC ) failed to provide us with the proper redemption options in writing... prior to the sale of the vehicle. 

Additionally, NMAC also knowingly failed to properly sell the vehicle within the time frame mandated by both state law. 

And, in doing so... has continued to violate consumers ' rights by falsely reporting a balance as PAST DUE after failing to legally provide me with proper redemption disclosures before the sale took place & also failing to dispose of the vehicle as required by state law. 

And, finally ... NMAC has also continued to falsely report a past due balance even after already selling the debt to a 3rd party debt collector and/or authorizing a 3rd party debt collector to collect the debt on its behalf ... which should be invalid anyway, due to NMAC 's failure to provide proper redemption paperwork prior to the sale and/or disposing of the vehicle in a manner which violated one or more of Kentucky state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: U.S. Auto Credit Corporation
State: GA
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:
US Auto Cr of JXXXX, Fl keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX  years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXX, Fl. On XX/XX/2015 it was a buy here pay here lot .USAuto Cr was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CARCO Group, Inc.
State: TX
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: Public record information inaccurate

Complaint:
On XX/XX/2021 a consumer background screen was ordered by XXXX to a third party vendor Precheck. I authorized the check with the impression that the third party vendor would follow the FCRA rules and guidelines when reporting. That meant following the 7 year rule. I consented to that. Upon completion of the report on XX/XX/2021 the report was released by the vendor Precheck with unverified, inaccurate data in which I reached out to Precheck during the investigation process to provide details. The report also violated my privacy in that it included information that may have been public records but was nearly XXXX years old without my knowledge that it would be reported. When I reached out to dispute the consumer report I was met with resistance and stonewalled. I was told by management that they had the right to report public records so long as it appears public with or without my express consent. As a result of defamation and gross negligence on the behalf of this company my employment status is in jeopardy, not to mention the possibilities of further discrimination and character misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I see and hard inquiry on my credit report that I don't know anything about from XXXX 's XXXX XXXXXXXX phone number is XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas it happened on 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 non-monetary relief
Consumer complaint received 2023-07-25
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company, Phoenix Financial Services, has harassed me by multiple phone calls despite asking them to contact me via USPS mail, they have used vulgar and disgusting language and they call my relatives relentlessly. They will not tell me what the debt is allegedly for unless I confirm my personal information with them, however I will not do that as I do not know who they are or if they are a real entity. 
Recent calls : XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX, XXXX, XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ( 2 calls in the same minute ) XX/XX/2020 @ XXXX There are more calls, however I cleared my call history and the above are the only ones I did not delete. Their " employee 's '' are rude, nasty, yell at you and use vulgar language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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 status incorrect

Complaint:
My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XXXX of 2020, it was a lease which was returned. Upon calling hunday they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved. 
This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances. 
Can you guys get at least one thing correct?

The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: SUNRISE CREDIT SERVICES, INC
State: CA
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 resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining 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 2023-05-22
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ I sent to credenence resource management a request for a debt validation pursuant to 15 USC 169g to them by certified mail. 
I went to check the status of the delivery and it said that the address was unknown and the letter would be returned back to me. So I checked the address again on my credit report and that was the right Address they had listed on my credit report. This company is reporting this on my credit report and the companys address to contact them is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw I had a collection with a company that I never did business with. Once they sent me paperwork, I contacted XXXX XXXX ( Manager at XXXXXXXX XXXX XXXX  apartment and paid debt to original creditor. ) I do not owe this collection agency anything as the debt is not theirs. I signed no contract with said company and paid the original creditor XXXX Dollars. This is a violation of my rights.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion has incorrectly reported I have only XXXX years of credit history. This has caused denial of credit because my credit is " new ''. It has also lowered my credit score significantly. I have had credit since XXXX. 
This information was reported correctly previously. 

XXXX XXXX has on their site, my credit history " needs work ''. I am XXXX years old. I have already put in the work, paying off student loans after 30 years, paying off furniture store credit cards, car loans, etc. A credit card company for XXXX XXXX closed my account because I didn't use the card. Another credit card company charged fees even though the card had a XXXX balance. I closed it to save money. ( I am a XXXX. I can not afford to pay fees for a XXXX balance. ) None of this is reported. 

Transunion is only reporting open credit. This creates a skewed history. 

I am a XXXX XXXX. I was born during XXXX. It is fact, XXXX were purposely denied credit solely based on being born XXXX. Being the direct descendant of XXXX, daughter of parents born into restrictive legal XXXX and I was born during XXXX, I did not have the means to afford a mortgage until XXXX years ago. Otherwise I would have a longer history in terms of home ownership. I do have a longer history for other types of credit. 

Transunion needs to correctly list my credit history as XXXX years not XXXX. It needs to report my work experience as XXXX XXXX XXXX since XXXX. 
I briefly worked for XXXX XXXX XXXX from XXXX until XXXX and I returned to XXXX XXXX XXXX. I am still employed. 

My addresses are reported as if I am transient. I have lived in apartments. The last XXXX dwellings I occupied, I lived there for XXXX years each. 

Transunion has a history of age and XXXX discrimination in their work place. 

There are XXXX people, who are alive today, who benefitted from legal XXXX financially. Some of those people still believe XXXX are less than human and deserved the maltreatment they experienced. These people are now doctors, lawyers, bankers, teachers, and Transunion employees.

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 2022-06-09
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation