BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: Receivables Management Partners, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RMP XXXX XXXX a XXXX XXXX company tried to collect a debt of {$76.00} from a service date of XX/XX/XXXX. They have called multiple times and on XX/XX/XXXX stated that I owed this amount. I then called the location that they told me the debt had accrued and they told me that I do not have any outstanding balances. I called and confirmed multiple times. They do not even have the accurate account number that is associated with it. 
Contact addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They also stated that they have offices in XXXX, NC. I could not find an address for that. They keep calling me even though I have told them the location that the debt accrued at has no balance and that it is not in collections. They have not referred me at any time for debt collection. Here is the website that I was given https : //www.receivemorermp.com/contact/ as well as pay.rmpone.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit file is showing accounts on my credit that are reporting without my permission and is violating my consumer rights under FCRA guidelines

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have incorrect information on my credit file as a result of identity theft:HARD INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Requested On: Inquiry Type: XX/XX/XXXX, XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Requested On: XX/XX/XXXX Inquiry Type: Individual XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Requested On: Inquiry Type: XX/XX/XXXX Individual TRANSUNIONCOLLECTIONS:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Placed for collection: Responsibility: Account Type: Loan Type: XX/XX/XXXX Balance:Date Updated: Original Amount: Original Creditor: Past Due: XXXX Pay Status:XX/XX/XXXXXXXXXXXX XXXX XXXX  (Medical/Health Care) >XXXX< >In Collection< Individual Account Open Account COLLECTION AGENCY/ATTORNEY Remarks: >PLACED FOR COLLECTION<Estimated month and year that this item will be removed: XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX COLLECTIONS:XXXX XXXX Potentially Negative Account Name XXXX XXXX  Balance XXXX Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Responsibility IndividualRecent Payment Monthly Payment Original Balance Highest Balance TermsOn Record UntilXXXXXXXX XXXX XXXX 1 Months XX/XX/XXXXXXXX  XXXX XXXX XXXX Collection Responsibility Individual Balance XXXX Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XXXX XXXX XXXX XXXX 1 Months XX/XX/XXXX Date Opened Status Status Updated Payment History XX/XX/XXXX Collection account. XXXX past due as of XX/XX/XXXX XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------TRANSUNIONHARD INQUIRIES:XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNPAID Balance DateAccount Designator Code Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT XXXX XXXX Medical or Health Care XX/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 2021-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Loan default was entered on my account on XX/XX/XXXX Due to said default, I incurred significant and  burdensome penalties of approximately {$15000.00}, not including interest, which I continue to pay off to this day. The default was entered in error as I timely requested an emergency medical forbearance prior to the date that the default occurred. 

On or about XX/XX/XXXX, I was admitted to XXXX XXXX in XXXX XXXX, California. I was struggling with XXXX and XXXX XXXX and due to my troubles, I was unemployable and unable to pay my student loans. At the time that I was admitted to the hospital, I was aware that my student loan account was near default. Therefore, after admittance to the hospital, I contacted AES to notify them of the situation. I was instructed to fill out a medical hardship signed by my doctor and send the form to them via fax. I did as instructed and sent the form to them prior to XX/XX/XXXX 

Approximately 30 days after being admitted to the hospital, I was discharged and returned home. However, when I returned home, I was notified of the default. I immediately contacted AES and was told that my request was received too late EVEN THOUGH I SENT THE REQUEST IN A TIMELY FASHION AS INSTRUCTED BY AES. The default and rehabilitation process was explained to me and although I disagreed with the result, I immediately undertook measures to start the rehabilitation process.

At the time, I did not have the strength to fight the default. It was more important to me to get healthy and resume my life. I did just that I have been XXXX  and XXXX for nearly 13 years and have been employed throughout that time period. I have made every single payment to AES. However, due to the increased financial burden and payment schedule, my debt to AES has barely decreased and every month it is a struggle to meet all of my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a bill from XXXX XXXX for my homeowner insurance on XXXX XXXX. The bill wa overdue since XXXX XXXX. This should have been paid by Loan Depot out of escrow account, I just did a refi, account XXXX. I called loan servicing and the gentleman said I should go ahead and pay it since I was without coverage, submit the receipt and they would reimburse me. I paid the {$700.00} bill and submitted the receipt. Then a XXXX XXXX said I needed to submit the original bill and declarations page from XXXX XXXX, they would pay XXXX XXXX and XXXX XXXX would reimburse me. I said that the issue was between Loan Depot and XXXX XXXX and I had already gone above and beyond. They refuse to reimburse me and I assume we will play this game every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by 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 and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to XXXX, XXXX, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, XXXX, and transition remove 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 and XXXX XXXX XXXX  from my credit reports 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 2022-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in the State of XXXX XXXX rented a residential property in XXXX during the XXXX XXXX pandemic using my information and I was evicted the same year due to failure to pay rent. I have never been in the State of XXXX XXXX before and I have never signed a residential lease for any property in the State of XXXX XXXX I have been living in the State of XXXX since XXXXXXXX XXXX XXXXXXXX and I have never moved to another State since then as we can verify thru my address history record showed in my credit report and other documents. At the time of this incident I was living at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and my employer was located in XXXX XXXX, XXXX 

Im requesting to kindly please remove this collection/charge off record off my credit report opened on XXXXXXXX XXXX XXXXXXXX in the amount of {$9700.00} due to this incident as this is affecting me and my family. 

Thank you and regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021 and XX/XX/2021 I request that First Federal Control Validate an alleged debt that they claim I owe. I have been requesting Validation of Debt and HIPAA authorization that qualifies First Federal Control to Legally collect on this debt. I have asked for First Federal Control to Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you I have requested this information over 60 days ago and NO RESPONSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX   supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX  was rudeness talk to nasty with no concern nor caring! I spoke with XXXX who informed me that they sent XXXX  a letter asking them to remove the fraudulent inquiries from my credit report and they still refuse to do so. I spoke with Mrs. XXXX with XXXX fraud department XXXX XX/XX/XXXX at 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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Account Name : XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the records of convictions of crimes which antedates the report by more than XXXX years. 
15 .U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, Trans union, and XXXX XXXX name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX XXXX VA XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer XXXX  Spouse Name XXXX  Spouse Social Security # XXXX Credit Report Dispute / Account Information Dispute Section Company Name : XXXX XXXX Account XXXX XXXX -- Not XXXX account XXXX XXXX XXXX Was never late -- -- -- Account paid in full XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was never late Company Name : XXXX XXXX Company Name : XXXX XXXX Account XXXX XXXX -- -- Not my account XXXX XXXX XXXX XXXX  Was never late -- -- -- Account paid in full XXXX XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid on time never late Company Name : XXXX Company Name : XXXX Account # XXXXXXXX XXXX XXXX  Not my account XXXX XXXX Was never late -- -- Account paid in full XXXX XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : Account never late/ paid inaccurate CURRENT STATUS I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XXXX Date XX/XX/2022 Transunion XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I looked at my free credit reports and the addresses being reported is wrong. Completely wrong and this needs to be removed. XXXX, XXXX  and Experian are reporting addresses where I've never lived and are not my current or former addresses. This gives me concern because I don't want any fraud or information that's not mine on my credit reports. I have tried to dispute this inaccurate information with the credit bureaus on XX/XX/2020, XX/XX/2020 and XX/XX/2020 but they won't remove the inaccurate addresses which is terrible. Please help. I attached my photo ID and credit report screenshots for you to see the errors I'm talking about.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD 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 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 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 2018-09-01
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is now reporting a collection account on my report without given a notice to dispute account. Also Im being called by their collection department every day they are harassing me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
FORMER COMPLAINT - XXXX WAS NOT RESOLVED!! Honda Finance LIED TO THE CFPB!!!!! 

On XX/XX/2021 XXXX called me to " clarify '' the process - he realized, he was wrong in his understanding, and agreed that YES, indeed {$2500.00} that Honda Finance told XXXX was due was in fact NOT DUE. 

The account was marked TOTAL LOSS on XX/XX/2021 and I was provided an ACCURATE PAYOFF - NO FURTHER SALES TAX WAS PAYABLE as the LEASE no longer existed. 

XXXX told me he would FOLLOW UP - NO WORD - NO PHONE CALL - NO MAIL - NO MONEY!!!! 

During the XX/XX/XXXX telephone call that lasted over an hour, XXXX said the account was paid in full and closed, and said " IF WE RECEIVE AN ADDITIONAL PAYMENT WE WILL SEND YOU THE REFUND '' XXXX CONFIRMS, their check was issued on XX/XX/XXXX and it was CASHED by Honda Finance on XX/XX/XXXX. 

Honda Finance owes me {$2500.00} Calling Honda does ZERO GOOD - You call you sit on hold for nearly 2 hours, to be put on hold and passed around. They have the money, they have ZERO desire to pay any money back. 

The call with Honda on XX/XX/XXXX when TOTAL LOSS reported was RECORDED BY HONDA FINANCE - PULL THAT CALL - it will be heard clear as day what the pay off is. Further calls with Honda CLEARLY recorded as " sales tax of {$2500.00} '' not due. 

It is not nice to lie, and it is certainly NOT NICE, RIGHT or should it be allowed to LIE TO A GOVERNMENT FINANCE OVERSIGHT BOARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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