BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: Receivables Performance Management, LLC
State: FL
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:
This is not a duplicate!!!! 


My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. This is a follow up to cfpb complaint # XXXX XXXX making this complaint against RPM for committing identity theft. I have never given RPM any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RPM can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RPM continues its collection efforts, I will file for litigation for actual damages caused and RPM will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required. RPM states I am in receipt of and have reviewed the complaint filed by XXXX XXXX against Receivables Performance Management , LLC ( RPM ). XXXX XXXX disputes a debt RPM has attempted to collect on behalf of XXXX  and requests removal from her tradeline. After review of our file and contacting our client, I offer the following response on behalf of RPM. XXXX listed XXXX XXXX account XXXX RPM for collection on XX/XX/XXXX. On XX/XX/XXXX, RPM sent XXXX XXXX a notice identifying the debt, creditor, and her rights under the Fair Debt Collection Practices Act ( FDCPA ). RPM spoke to XXXX XXXX on XX/XX/XXXX, however, were unable to resolve the balance. Upon receipt of the complaint, RPM contacted XXXX who advised there was significant usage on the account until XX/XX/XXXX. The past due balance of {$780.00} consist of past due service charges ( {$200.00} ), equipment charges ( {$420.00} ), Assurant charges ( {$57.00} ), late fee ( {$28.00} ), and a collection fee of ( {$73.00} ). The last payment received on the account was for {$270.00} on XX/XX/XXXX. It is XXXX position that the balance is owed. RPM will cease further attempts to contact XXXX XXXX ; however, she may contact our office to resolve the obligation. If you have questions, or if RPM may be of further assistance to XXXX XXXX, please contact me at XXXX XXXX XXXX If RPM states they will cease communication which is indirectly or directly through all mediums that means also through my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXX XXXX  received a payment of {$62.00}. I called XXXX XXXX  on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including Equifax, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX  owing me {$45.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: IL
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.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 5U.S.C1681section6 0 2A. States I have the right to privacy.

1 5U.S.C1681Section6 0 4ASection2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022 I sent XXXX a certified letter along with a return receipt. 

In accordance to the Fair Credit Reporting Act XXXX  Account Number # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that 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 an account without my written instructions.

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 2023-10-02
Company: Experian Information Solutions Inc.
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 accordance with Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 DPT EDXXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

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 2023-09-18
Company: MOHELA
State: DC
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:
I have submitted an application for XXXX through XXXX. I have loans serviced by MOHELA ( XXXX loans ) and Aidvantage ( XXXX loan ). 

MOHELA sent me a letter dated XX/XX/2023 saying I am now in an income-driven repayment ( XXXX ) plan for XXXX of my loans. They say the monthly payment is {$78.00}. That monthly payment relates to a loan I have with XXXX, not with MOHELA. Neither of my monthly MOHELA payments is {$78.00}, nor do they add up to {$78.00}. 

XXXX ) Why is XXXX sending me letters regarding loans they do not service? How did they get that information? 
XXXX ) Are either or both of my MOHELA loans in an income-driven repayment ( XXXX  ) plan? 
XXXX ) Why is MOHELA not communicating with me about the loans I have with them? 

The end of the student loan repayment freeze has been a financial and emotional hardship. MOHELA, XXXX, XXXX, and CFPB have refused/ been unable to communicate clearly or effectively. They are mixing up accounts. Cancel my debt please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2018-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; XXXX XXXX XXXX, known as collections. Bank Of America, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. XXXX XXXX XXXX, for the amount of {$500.00}, merchant XXXX XXXX and Bank Of America, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open 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 2020-02-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with an agent that identified herself as XXXX last week. I told XXXX that I disputed the bill. Because I gave notice to my previous apartment complex of my intent to vacate. XXXX told me that my dispute was invalid. She stated that I could not dispute it. That my bill was due to insufficient notice to vacate. I informed her that in fact provided proper notice. She told me that I could send an email to request verification. I was given the following email address iqdata-inc.com. 

I called again on today on XX/XX/XXXX. Because I tried to send an email to the address numerous times. However, I keep receiving an error message saying it was not a valid email address. I again spoke with XXXX. I asked for the email address again to verify. She refused to provide it. Stating that she had already given it to me. And that the debt was valid. As well as I had missed the time frame to dispute it. I explained that the letter that IQData sent me was dated XX/XX/XXXX. So I was within the 30 day time frame according to law. She then stated that the debt was XX/XX/XXXX. So the dispute time had passed. Informed her that she was violating FDCPA by using fase, deceptive and misleading means. She became increasingly abusive stating that I am barely XXXX years old. Eventually she hung up on me.I recorded the conversation should I take legal action. It is too large to upload here. 

-- XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX, my employer wrote me a check for {$5000.00} as a personal loan. I deposited the check into my checking account with Chase Bank on XX/XX/XXXX. Chase never released the funds to me. They claim they need to verify that it's authentic but it's been almost a year and I still do not have the {$5000.00}. My employer called their bank XXXX XXXX  XXXX XXXX XXXX and said that it's Chase 's responsibility since the check was cashed. I will include screenshots of the cashed check. When I asked for the status of the " verification '' they said they are calling the owners of the business. The owner of the company I work for, New Standard Building Materials, never received a phone call. Chase will not release who they are calling. This checking account I had with Chase was receiving bi-weekly payroll amounts from this same checking account with XXXX  XXXX XXXX so I'm not sure how this would be fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Since XXXXXXXX I have written many letters to Experian requesting an annual credit report and I have written letters to Experian requesting a credit report after I received several adverse decisions to a bank loan due to my credit score. 

Since XXXX I have filled out and filed several Experian online disputes seeking to correct this problem unsuccessfully. 

Since XXXX, I have made numerous telephone calls to Experian call center and Agents requesting to have this misinformation and errors in my credit report corrected. 

In XX/XX/XXXXXXXX XXXX I filed a complaint with the Consumer Financial Protection Bureau against Experian seeking to have this dispute resolved.

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 2023-03-10
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i wire the sum of {$13000.00} to a XXXX Account on XXXX of XX/XX/2023 my bank said the XXXX received the money at XXXX, with the reference number of XXXX the XXXX account did not receive any money and my bank has refused to say where my money is now my bank have closed my account, please help me resolve this issue if they have closed my account, they should send a check of the amount to my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lender ( XXXX XXXX / XXXX ) filed for bankruptcy in XXXX XXXX. Debt for 155,000.00 made XXXX XXXX included in chapter XXXX Loan transfered to several different collectors. Asserts TILA & RESPA violations ; Request any and all copies of MERS transactions XXXX CFPA violations

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 2023-05-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Last XXXX of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. XXXX on Experian, XXXX, and XXXX how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA XXXX XXXX XXXX ( I ) XXXX XXXX XXXX ( XXXX ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows no payment history within the last 24 months

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