BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: MOHELA
State: CA
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:
On XX/XX/XXXX, we submitted an ACH payment to MOHELA for the remaining accrued interest balance on my loans, which they service. It was processed by our bank on that date. 

However, due to the payment address on MOHELA 's site not being clear, they cashed the payment but sent it to the wrong address. This delay allowed additional interest to accrue on the account after the date upon which the total interest balance was to have been paid off. 

Both my wife and I spent extensive time on the phone with MOHELA, and were assured that the problem would be rectified. Upon our last phone conversation, a manager told us that it had been fixed, and that the payment would be applied to the interest balance, as we 'd specified. 

Today, XX/XX/XXXX, I received a call from MOHELA for an unrelated issue ( they ca n't get our mailing address correct ). Out of curiosity, I asked the representative to confirm that the interest payment had been applied to my account as it was supposed to have been. It turns out it had n't. They applied part of the payment to the interest balance, and part to principle, allowing additional interest to accrue on the unpaid interest balance. 

This is clearly intentional profiteering. Both my wife and I had repeatedly told and been assured by MOHELA representatives that our payment would be properly applied, which would have paid off any accrued interest balance. By improperly applying our payment ( and lying to us about it ), MOHELA is attempting to profit by charging us interest on a balance that was to have been paid in full nearly a month ago. 

Yes, I could have caught this earlier by checking their website, but frankly, that should n't be my problem. They made an accounting error, and we spent a great deal of time getting it worked out with them. My wife and I should n't be expected to babysit the company further, checking their website constantly to insure that they simply do what they were supposed to have done with our money. 

Supposedly this is to be resolved " sometime this week '' according to the representative I spoke to today. I was not given any kind of date, and was told that I have to just keep checking the website to see if the problem has been fixed. At this point, I have no faith whatsoever it will be corrected. 

Unconscionable, and sadly, seemingly unpunishable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: DISCOVER BANK
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

11. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I filed a complaint about XXXX XXXX XXXX attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a XXXX  balance statement. This collection was reported to my Equifax credit report in error, and Equifax has refused to delete the collection. Based on the provided statement from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, and contractual insurance. I have provided Equifax a copy of the XXXX balance statement ( see attached ). They refused to follow the law about reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN : This Credit reporting agency is misreporting information on my credit report. 
They responded with a long drawn out generic answer with no facts and answers that have absolutely no verification or proof that the information is valid. 
When I disputed the item directly with Experian, they did absolutely nothing to verify and prove the information reported by XXXX XXXX XXXX, who then sold it to XXXX XXXX. 

They ( Experian ) state the following : " At your request, we began a reinvestigation of the disputed item, and the data furnisher verified the information to be accurate as reported. 
Although you stated that the loan has since been sold to another creditor who has re-aged the information, we were unable to locate the new creditor on your credit report. '' They claim that the " data furnisher '' verified the information. 
Who is the Data Furnisher?? Why are they not specifying exactly where the data came from and their proof of how they arrived at this information. 
Specify who is the Data Furnisher? Is it XXXX XXXX or XXXX XXXX? 

Secondly, the results they sent on XX/XX/XXXX had no direct proof or information provided that what they are reporting is accurate. They simply stated that they investigated and no changes made. These same type of responses were also provided to CFPB - Consumer Financial Protection Bureau resulting in no compliance in their providing or disclosing where they obtained the information. 

Furthermore, Experian states that " negative information remains 7 years from the date of the original missed payment ''. If that is the case, the date of the original missed payment was back in XX/XX/XXXX. Experian is not verifying the date of the original missed payment, or the date of last payment. That date, XX/XX/XXXX would mean that the item has already been reported for more than 7 years. 
How long does Experian plan on continuing to report this information? That is not disclosed anywhere in their response. IF according to them, it is 7 years from the date of the original missed payment, then this item should have been removed by 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to CFPB complaint : XXXX As you stated in your response Midland Funding remains on credit due to verification of address. However, submitting through E-oscar of matching addresses social and DOB is not a form of verification.

MIDLAND FUNDING Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : MIDLAND FUNDING Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Worldwide Processing Group, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
incident occured on XX/XX/XXXX Received a call from XXXX stating that this is a skip trace call and to press a number or they will contact family members to get information. I hung up and called the number back to find out what this was all about. A woman named XXXX from FMR Forward Movement Recovery answered stating this is an attempt to collect a debt and that it was a debt from XX/XX/XXXX with a XXXX XXXX XXXX in the amount of {$750.00} dollars is now due and she stated that the loan would have been obtained 1 to 4 years prior to that. 

I have not received any mailing stating I owe this debt, nor am I aware of ever having done business with XXXX XXXX XXXX or Forward Movement Recovery. This does not show up on any of my 3 credit bureau reports. 

I have the phone call recorded also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have 2 loans that navient sent into default. I am trying to get the defaulted loans into rehab so they will stop garnishing my social security. Navient changed my name on my account and I did not request it. I spoke to navient and they said it was changed in error and they had no request from me to change my name. I can not sign the docs until they submit the correct name. XXXX XXXX has the defaulted loans. when I spoke with Navient Post Claims they said hey would submit the right name and not to sign the documents. they are already taking payments from me for the defaulted loans. They are taking my social security, my part time job and the monthly payment that was set up for the rehab program. XXXX XXXX told me to sign the documents and worry about the name change later. I need my checks to not be garnished as I am having multiple surgerys and I dont have insurance to cover these and I need the garnishments to stop but Navinet has not sent the info to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Ability Recovery Service Opened XX/XX/XXXX + Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act,  Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-09-16
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:
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 2018-05-24
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a Citibank XXXX XXXX advantage card on or about XX/XX/XXXX with a credit limit of XXXX. After the card was issued, I was notified by mail to verify my social security card. At the time I made copy of the social security card and mailed it to Citibank. On XX/XX/XXXX I called to request an update on the credit card. On the call I was notified that I did not send the second page of the social security card request form, of which no second page existed. I called again on XX/XX/XXXX at this call I was asked to provide my checking account information to confirm my identity, I refused to provide my banking information. I was told that I would be receiving a another letter requesting some other information to verify my identity. At this point I am frustrated with Citibank. There has been a hold on the card preventing me from using the card since opening the account. I am requesting CFPB to request Citibank for the reason for this delay in releasing the hold place on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received voicemails almost daily in regards to my federal student loan. All unidentifiable calls to my phone goes unanswered so a voicemail is left. The voicemail is always a female with different names and the script is always the same with a callback and reference number. The callback number is XXXX. XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attempted to call into Credit Collection Services as they were on my credit report. I am attempting to obtain a mortgage and my lender is requiring an official letter that is on letterhead and signed stating that if I pay off this debt that it will be completely removed from my credit report. I called in and spoke to a woman, she told me that there was a disclaimer online stating this and she could not help me. I then asked to speak to a supervisor, he was very rude and told me this is not something that they normally do, that I would have to get the disclaimer online when I am making the payment. I let him know that it was a requirement of my mortgage lender and they would not accept the disclaimer. He told me that I have had 2 years to resolve this issue and I should have thought about this sooner. I was not aware of this collections account until it was brought to my attention on my credit report. He then told me I would have to make the payment with him first and then he would put in a request to his legal team that " might '' get approved and would take up to 4 business days. He basically was asking me to buy the letter from them. I told him I would be more than happy to make the payment if that letter was provided to me first and I could not take his word that I would actually receive it. He then proceeded to cut me off and then hang up the phone. 

I spoke with a customer service agent and senior supervisor on XX/XX/2019 at XXXX at number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX an automated payment was made to my credit card company Capital One, for the minimum amount due of {$48.00}. Every month a minimum payment is made to that account. On XX/XX/XXXX I realized there was a problem. My credit card had a balance of {$17.00} and I realized Capital One took money from my bank account to cover the total balance of {$2800.00}. I called Capital One on XX/XX/XXXX and the first representative said it was too late and to file a dispute with my bank. My bank advised that nothing could be done as Capital One already took the money. Then we called again on XX/XX/XXXX, this time a supervisor said the automated system confirms amounts and that nothing could be done. Our concern is that the automated system is not correct. Our history shows our credibility and every month we carefully listen to the automated system. At this point, we need proof of what transpired on the automated call because the money that was taken is money we use for our rent. This has caused a great hardship. There must be a way to check the record of the transaction to see exactly what transpired. No system is perfect and our contention is that an error occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are multiple accounts that are listed with XXXX and TransUnion as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.

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