BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Midland Credit Management has been calling me asking for XXXX XXXX and stating a birthday of XX/XX/1985. I spoke to the person that called my phone and told them I do not know why they are calling me. They continue to call and I have called back and they said I have no right to call their number. They want my information, name, birthday, social. They call me XXXX although I have not verified my identity in any way. They blocked me from calling back even though I was trying to ascertain what this is about. I was passed around to XXXX people who told me I owed them money. 

I can't believe it is okay to call someone at XXXX and tell them they owe money and hang up on them when they ask what is going on. I told them that they were violating the FCRA, and they told me good luck proving that. I am not being stalked by a company that I never chose to engage with. They just hang up on me and call me from other numbers. They have shared a full name, birthday, and financial information with me without verifying whom they are speaking to. I have the calls recorded. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
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:
I am responding to complaint number XXXX Experian you are not reading what I am asking you to do! I am not asking you to verify any information or validate information with XXXX XXXX. STOP SENDING XXXX XXXX VERIFICATION, BECAUSE I AM NOT ASKING YOU TO VERIFY ANY INFORMATION WITH XXXX XXXX! I HAVE ALREADY REQUEST FOR VALIDATION FROM XXXX, THEY SENT ME A LETTER AND STATEMENTS SHOWING THAT THEY HAVE PURCHASE THE DEBT! I AM ADVISING YOU EXPERIAN ACCORDING TO CFPB 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts.

( b ) Definitions. For purposes of this section : ( 3 ) Itemization date means any one of the following five reference dates for which a debt collector can ascertain the amount of the debt : ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 

YOU MUST DELTE NOW!

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 2022-12-12
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
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 XXXXXX/XX/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 2023-10-12
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
When the XXXX waiver became available I applied, sent in the required documentation and received updates on how many payments would be eligible under XXXX. This took approximately 9 months. In XX/XX/XXXX I requested an update on the payments listed as ineligble due to forbearance/deferment. I made XXXX phone calls to MOHELA with each one lasting 2-3 hours waiting on hold to speak to a manager because this was an issue that needed " elevation '' I was told. 

During calls I received a different answer to why these payments were considered " ineligible '', I was told that payments in forbearance or deferment would be counted in the XX/XX/2023, then in XX/XX/XXXXXXXX. I was told my payments didn't count because I was defaulted for nearly 36 months. I have no record of my loan being defaulted between XXXX. I never received a letter or notification via email nor a call from my servicer at the time, XXXX saying that. My loan was defaulted in XXXX during a period of Leave Without Pay status, I worked with the Debt Management Center during this time to put it back into Good Standing. 

MOHELA stated they contacted the Debt Management Center, where all defaulted loans are placed for the time period in XXXX and no information was present, I contacted the Debt Management Center and was told my loan was not forwarded to them until XXXX. To date no one can give me an answer on where my XXXX XXXX was during that time period and MOHELA 's website states it was " in forbearance/deferment '' which is not the same thing as " defaulted ''. 

My payment count to date is XXXX ( see attached materials ) and my loans could be forgiven at this time however it shows XXXX payments remain. I was never notified that my loan was even approaching default, no documentation has been found by myself nor MOHELA to indicate that it was in default. I am being penalized for items out of my control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2021-09-14
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The XXXX debt was removed and resolved from my credit report. The company will send it to different credit agencies and affects my credit report. It is removed each time however it keeps dropping my score everytime the send it to another agency. It has been going on for over a year now. I just received another letter from another agency from XXXX and I feel like I'm being harassed. This last agency is Convergent with date of XX/XX/2021. I didn't save the other ones because they were resolve but this is becoming to much.

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 2022-10-07
Company: EQUIFAX, INC.
State: KY
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 these creditors XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights under 15usc1681 section 602 states i have a right to privacy 15usc 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Sequium Asset Solutions, LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that my credit score, which was near perfect, had gone down significantly within a short period of time, and found through my credit report, that a collection had been placed in my name on XX/XX/2019, for {$290.00} for an account through XXXX XXXX, that is not related to me whatsoever. I have never had any kind of account with XXXX XXXX. I have tried to contact the debt collection agency, Sequium Asset Solutions on three separate occasions at XXXX ( XXXX XXXX, who is the corporate compliance officer with the company ), to try and get this resolved and removed from my credit report, however, I still have yet to receive a call back from them. They continue to avoid my phone calls and refuse to discuss this dispute with me, while I suffer the impact of a lowered credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: National Credit Systems,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:
THE ACCOUNT LISTED FOR A APARTMENT LEASE IS A FRAUDULENT ACCOUNT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN A LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE A CRIMANAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX CRA &. On XX/XX/2020, I mailed XXXX, 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 Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions 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:
someone used my personal information  to open  several fraudulent accounts in my name 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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} XXXX  XXXX bankruptcy discharged Reference 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I was notified through credit Karma that a new inquiry was reported on my XXXX report from CBNA ( Citi Bank ). 
I did not recognize this inquiry and on XXXX I called Citi Bank to see if someone had tried to get a card using my identity. I talked to 3 different representatives and none of them were able to find any information using my name, address, SS #, or phone #. 
I called XXXX to let them know the inquiry is fraudulent. They said that it seemed to be legitimate on their end and that I would have to ask Citi Bank to send a request to remove the inquiry from my report. 
I called Citi Bank once again, they still had no information on me and said that I would have to get a statement from XXXX and fax it to them. 
I called XXXX and explained the situation once again and the representative filed a dispute directly with Citi Bank and also suggested that I report the situation to the FTC because he ( and I ) found it very odd that there is an inquiry yet Citi Bank has no record of my information. He called them uncooperative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello- I believe I am missing months of repayment that should count towards forgiveness. Could you please review the following months? XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ; XX/XX/XXXX ). 

Also, I was placed in a school deferment when I was not in school and making payments. I graduated from XXXX school XX/XX/XXXX and returned to graduate school XX/XX/XXXX. During this period of time, I was working full time ( not in school ) at a qualifying employer. My employment certification for this time was submitted and accepted. Could you please review this record to that this time can be changed and added to my PSLF counts. I am unable to retrieve information from the service because they are closed ( direct loan servicing/acs ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I went online to pay my balance on my credit card on XX/XX/2019 it read on the computer I owe XXXX so I pay the computer came back with a XXXX balance. I went on the computer XX/XX/2019 to see if my work check was deposited and I saw under the credit card that I owe XXXX, I had pad my total balance the day before which was pad in full, there was not a additional total for the XXXX on my account at the time of payment .I don't understand how they can add money to my account after I paid, if that amount was there when I went to pay I would have paid, note I paid the bill off around XXXX XXXX and at that time it told me my balance was XXXX so that is what I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: AR
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 checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}. Please send me the results of your investigation within the next 30 days and correct the disputed account from any erroneous reporting of information on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: MOHELA
State: NJ
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 started my student loans in XXXX. I am currently in PSLF. I do not believe my count is correct. I have spoken to Moehla about 15-20 times regarding my loans since XXXX of this year. They have told me to contact Federal Student Aid to inquire about the discrepancies. Mohela has acknowledged to me that I am missing payments and the update to my account through IDR one time update. Last Friday, I spoke to a customer service operator, and he asked me questions about my account and said that he does see that I am missing payments. He assured me that it would be fixed by Tuesday of this week. I contacted Moehla again on Tuesday. My payments keep coming back to me, but my account and routing numbers have not changed in over ten years. I finally sent them a check through my bill pay because I will be late on payment soon. The customer service operator told me that the previous customer service operator could not of told me the truth about my account because they can't see before XXXX ( the year that I signed up on FSA and they consolated my loans ). I was told to contact FSA again, which I did, but the operator would not offer me any assistance. I feel like both companies/ organizations are telling me to contact each other, both not offering any correct assistance to me. I downloaded my data off of FSA and it did show that I have over 130 months in repayment and over 48 months of forbearance. Any help that you can offer would be much appreciated. Thank you..XXXX XXXXXXXX

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 2023-09-14
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Provide a wet signature and original copy of the agreement. Provide proofs that you are Licensed to collect debt for theState of Washington. Provide all receipts of payments and letters for missed payments.

Company response to consumer: Closed with explanation