BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-25
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My last bill was charged wrongly and they added {$35.00} on my account. When I called the customer care there was a lady which was really understanding the situation and asked me to stay and confirmed me that she will connect me to her manager.

Now the problem arises, her manager was very rude and not even ready to listen anything what my problem is. 
I am sure XXXX XXXX would have call records from that day. 

She was not listening my reason asked me pay full bill. She was trying to threat me that I'll not pay the amount something bad will happen to me. 

This is what happened I moved my lines from XXXX to XXXX on first week of XXXX and final bill only on 2nd week of XXXX. I called customer care that they charged me {$35.00} with no reason. but they manager lady was not even ready to listen and saying all the time that I have to pay this amount. 

I explained that this is wrong charges on my account but she was adamant. 
Only after 3-4 days of this call I got a letter from debt collection agency that. I am sure this is not what my last bill was saying. 

XXXX really owe an apologies for this. Since receiving this debt collection agency letter I am trying to call XXXX XXXX customer care. After a wait time of 2 hours their representative just listening my name and disconnecting my line. This happened 3 times and I can prove this and XXXX should have data of these calls to their customer care. 

It never happened when was I using their services. As I left their services they are charging unnecessary and want to take my hard earned money. 

I remember I gave my card number on my 1st call to XXXX customer care person to resolve this matter but that lady was rude and scared me that debt collection agency will only receive this amount. 

I really need some help from this XXXX XXXX  service organization. They are here to provide services to us and XXXX should take some action against that lady manager.

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 2023-10-27
Company: MOHELA
State: CT
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 have reached out to MOHELA numerous times over different issues and have yet to receive a response. I have tried calling and the wait times are hours and they state to do the secure messaging in the portal. 

XXXX XXXX send standing instructions for additional payment never responded. Followed up on XX/XX/XXXX still no response. 

XXXX XXXX - signed up for auto pay back in XXXX. I never got a letter saying my due date but my auto debit date was scheduled for the XXXX. The XXXX comes and they withdraw the money from my account, take 4 days to process and state my account is past due. I contacted to update my auto debit date to the XXXX to take into consideration their processing times ( still with no idea when my payment is actually due ). I have still received no response. 

Additionally, I am on the SAVE plan and any interest accrued not covered by my payment is to be subsidized by the government. That is not the case, the interest is still accruing. So come next month I will have all this additional interest and make my payment go toward that when I specifically enrolled in a plan to avoid that. There has been no messaging from MOHELA on this. Good luck getting through to anyone on the phone and secure messaging clearly is not working. 

I am just unsure how Im supposed to know when my loan is due without a statement ( digital is fine ) but I have no idea on an actual due date and in what work can I not get through to change my auto debit date? I could manually pay on the date I want but then I lose the interest rate deduction. 

Truely seems like a scam to make more money and if the company can not handle everyone returning to repayment, they need to hire more people or provide messaging and accurate hold/wait times. Do not say secure messaging will be answered in 48 business hours and then not answer for a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting 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 am filing complaint to this company I found inaccurate information to this LVNV FUNDING. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please eliminate it right away. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Comentity Bank stated I had 3 credit cards New York and Company, Ann Taylor and Victoria Secret. I did have a VS card several years ago that was paid in full with another bank. This company is illegally sending me text messages to my cell phone using a collection company. I sent a letter to the collection company via email attaching police reports. I told the company representing the bank to stop texting me in my email and they just sent another text this am about New York and Company. I Blocked their number but they continue harassing me for old debt that I don't owe. I sent letters and police reports to the bank directly back in XXXX. They still reported me to the credit bureaus and have not stopped. They just keep changing collection companies that have never notified me after I worked with the bank to remove this fraudulent debt. To be candid if consumers did not have your company to help people like myself I believe these kind of issues would never end. It's unfair and has really destroyed my life credit wise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted my someone who claims they are a legal department and are investigating me for fraud on a 5 year old payday loan debt that the initial lender has sold. 
I was accused of check fraud and yelled at for questioning that. 
I was accused of purposely taking the money and running! His words to be exact. 
He sounded very upset and hung up on me when I tried to speak for myself. 
Theyve called my mother and my wife continuously as well. 
Ive never received a single document or validation letter of ownership of this debt and nothing shows up on my credit report. 
The company identified as XXXX phone number XXXX reference case XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1800.00} Inquiry : XXXX XXXX, XXXX XXXX, XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
XX/XX/XXXX  - set up auto debit payment on standard payment plan XX/XX/XXXX  - only {$50.00} was paid on only one of the loans despite having auto pay set up for the standard payment plan. The amount should have been approximately {$180.00}. 
XX/XX/- received an email saying I was in administrative forbearance despite never requesting this. I now have extra interest accruing for Mohelas error

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 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Bread Financial Holdings, Inc.
State: DE
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:
XXXX, I received an email from XXXX from OPM.GOV stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. 

Upon investigation, I discovered a CREDIT INQUIRY from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This appears to be an application to open a credit card account that I did not authorize. 
I called XXXX at a number found online : XXXX and filed a fraud claim. I spoke with XXXX in the Fraud Department and she indicated that it was applied online using my SSN, my DOB, and a previous address. She is going to turn down this credit application and notify the credit bureaus. This inquiry needs to be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 US Bank was supposed to pay my credit card with a check. They chose to pay with an electronic fund and refuse to give me proof of payment. 

I have asked repeated on a weekly basis for a trace number or transaction number showing proof of payment. They will not respond to the request.

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 2021-12-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the XXXX minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA XXXX however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I sent a certified letter to Portfolio Services requesting debt validation on a credit card debt they are reporting to my personal credit reports and attempting to collect. In my request I requested several items be provided to me within a 30 day period or for portfolio services to discontinue collection efforts and to immediately remove the alleged item from my credit reports. They have not complied with my written request. I have attached a copy of my written request and proof of a certified mail request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Data Search NY, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Staff : Trak America and their legal counsel have recently submitted a notice that they will garnish wages on a XXXX debt that was satisfied 15 years ago. There was a judgment issued and my wages were garnished. In XXXX, my wages stopped being garnished. I never changed employer or left work. I assumed my debt was satisfied. Now, 15 years later, a new law firm is attempting to collect the same debt. I have sent proof of payments obtained from my employer. After numerous phone calls by my attorney, they have refused to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions 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:
15 U.S.C 1681 Section 604 A Section 2, It states that a consumer reporting agency can not furnish an account without my written instruction 15 U.S.C 1681 Section 602 A. states that I also have the right to privacy.

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