BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2021 was contacted by phone by Receivables Performance Management ( RPM ). The rep insisted that I defaulted on a car lease roughly XXXX prior & said I owed more than {$1000.00}. I made it clear that this was not a debt I was responsible for & requested a copy of the contract I allegedly defaulted on be emailed to me. 
To date no such contract has been sent to me, rather a generic " claims letter '' was sent out via USPS & then the account was reported as being in default to the credit bureaus. The letter was a clear attempt to bypass fair credit reporting laws, as I was quite specific in my request for proof of debt & what was sent instead doesn't begin to PROVE I am liable. At best RPM is guilty of skirting the rules that govern the matter & at worse they are guilty of knowingly attempting to collect on an account that was closed in good standing.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter to Transunion, XXXX, and XXXX about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.

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 2017-10-28
Company: Navient Solutions, LLC.
State: WA
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 a Direct Loan consolidation loan and Navient has been my loan servicer for 5 years. I 've repeatedly told Navient that I 'm planning to get the Public Service Loan Forgiveness Program after 120 qualifying payments and Navient has never once told me that I need to have my student loans serviced by XXXX if I want to be eligible for loan forgiveness. 

I will make the change this week. But it is a huge problem that this company has not informed me that they are not eligible for the PSLF program. 

Is there any way that I can get credit for the otherwise qualifying payments that I 've made to Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I get my direct deposit from my job and my income taxes they froze my account and wont allow me access to funds they give me no reason as to why my account was forced or close let but I dont not have access to my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
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: Information belongs to someone else

Complaint:
Exparian XXXX  and XXXX  was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1.XXXX XXXX XXXX  2.XXXX XXXX 3.XXXX  XXXX  3.XXXX  XXXX XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 days.

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 2017-10-28
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is this debt collection agency, who has harassed me for 5 years now for a debt I really no nothing about, but to make a long story short, they too money out of ( 2 ) of my bank accounts twice, the total for this credit card ( suppose to be for {$XXXX} they have too over {$3000.00} dollars from my banks for this so called one debt, I cant open a bank account with out them sending a writ of execution paper to me and my bank over an over again, there are stealing my funds from my savings and checking accounts this is not fair, I tried talking to them, and all they say to me is they will continue to take funds out of my accounts, even tho I did not know of this, account, they have over an over took enough of my XXXX to cover that amount several times, I want action, I want this to stop, also I am under Doctor 's care, for a XXXX Transplant I do n't need the stress, if I can I would like to sue them for thief, unjustified amounts, harassment, deception, Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I just received my credit report and noticed unauthorized items they shouldn't br on my profile

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 2019-02-13
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:
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall  maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ). 
XXXX/XXXX Reported : XX/XX/XXXX {$11000.00} Closed XXXX/XXXX Reported : XX/XX/XXXX {$910.00} Closed XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by 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 explanation
Consumer complaint received 2018-04-03
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to Nationstar Mortgage, they have no records of ever showing a Principal Balance of {$87000.00}. In fact Nationstar confirmed that the Loan was originated on XX/XX/2003, with a PRINCIPAL BALANCE of {$100000.00}, and that Nationstar has no records that the original loan amount was $ {$87000.00}. his is associated with Complaint Number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, NY XXXX ) and Collection Bureau Hudson ValleXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. 

I attempted to contact XXXX XXXX XXXX to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX, XXXX, XXXX ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is related to complain XXXX. At this point I received no respond from this complain. They 've put in the notes that they 've contacted me through a phone call. I have received no phone call from them. 

Maybe my complain is not clear. 
I did a balance transfer of XXXX online through Chase from my Chase account to my XXXX account. 

The money did n't arrive. I called Chase they told me that there was a wrong account number on my balance transfer. I asked them why did the transaction go through, they said Chase assumes that their customers are capable of entering a right account number. 
They said what is going to happen XXXX will send the check back and they they 'll credit my account. They also said that I 'll receive a letter. 

I waited 2 months nothing happened. I called, send emails, I heard nothing from them. 

I went and disputed the transaction. I got credit. 
I was expecting that they would put a stop payment the check since there was n't a right account number. 

After one moth they debited my account for XXXX. I called, they said XXXX matched the check to someone 's account, a man, with similar last name like mine. They said there 's nothing they can do anymore and they 're done with me. They told me to call XXXX. I asked them why did n't they stop payment on the check since the account was wrong? No answer. 

At this point I have received no letter, no info, no phone call from them about what happened to the check. They just debited my account for XXXX and that was all they 've done. When I call them they say there 's nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Follow up to my previous Consumer finance XX/XX/XXXX complaint Proof of Deed of Reconveyance, per Real Time Resolution creditor response This notice is a CEASE AND DESIST Real Time Resolution a debt collector for XXXX XXXX XXXX ( company no longer in business ) recorded a Second Trust Deed Default XX/XX/XXXX in the amount of {XXXX} on behalf of XXXX XXXX XXXX. 

I have told this company many times I DO NOT OWE DEBT to XXXX XXXX XXXX and that I received a Deed of Reconveyance in XXXX, and I have not obtained any loans after XXXX. 

On XX/XX/XXXX, the first available appointment at XXXX XXXX XXXX XXXX Registrar-Recorder/County Clerk office at XXXX XXXX XXXX, XXXX CA XXXX, records show for XXXX XXXX XXXX, XXXX XXXX CA XXXX " No!!!! Deed of Trust owning any debt WAS NEVER FILED from XXXX XXXX XXXX after XXXX '' However, I did obtain from XXXX XXXXXXXX XXXX  XXXX XXXX Registar Recorder/County Clerk office, that On XX/XX/XXXX, XXXX XXXX XXXX filed a " Deed of Reconveyance ''. See attachments I'm asking Cease and desist all liens and/or Defaults affiliated with XXXX XXXX XXXX be removed from property located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
To Whom It May Concern I have a VA Mortgage with Freedom Mortgage Co. beginningXX/XX/XXXXXX/XX/XXXXand as ofXX/XX/XXXX, I was contacted by Freedom Mortgage that I was eligible for a IRRRL Loan and to contact them by Phone. ( Notice datedXX/XX/XXXX ). I called and spoke with a man named XXXX XXXX, a VP for Freedom. I  was told the new Mortgage would lower my payments and there would be no out of pocket cost and no added cost would be added to the original Mortgage.The new Mortgage went down from {$1300.00} to {$1200.00}. On XX/XX/XXXX, I received a statement that Freedom Mortgage had taken my escrow money for the sum of {$2100.00} and that the new projections show that I was in the hole for {$770.00}. See XX/XX/XXXXStatement. There was no mention at any time that Freedom Mortgage would take my escrow account and then raise my Mortgage Payments. My new Payment is {$1300.00}. I tried to contact XXXX XXXX but he will not answer his phone, and Freedom 's customer relations, or other departments offer no solution. I just found out about CFPB and hope you can help resolve this problem one way or the other. Sincerely

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 2017-10-28
Company: EQUIFAX, INC.
State: MD
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 have never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NM
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 have been reviewing my credit report over the past month, which I have hadn't looked over it in the past 8 months. I have noticed discrepancies, unauthorized pulls on my credit report. I have called each company that has pulled report, all XXXX credit bureaus and I have tried to file a police report, per what the credit bureaus have told me to do and have not had any help in resolving this issue. I was told last week that I needed to file a complaint with the FTC, per XXXX and Equifax. I was told that this would be the only way I could get help with this issue, which is unfortunate. These companies are supposed to help relieve stress for the consumer, not drag them through hoops and stress. Below are the inquires I am disputing that were unauthorized nor an extension of any credit. I also have complaints about my correct spelling of my name and address on my credit report. On XXXX and Equifax I see many different variations of spellings of my name and many unfamiliar addresses. 
Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: CT
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 in regards to XXXX, Equifax and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, Equifax and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX  collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX collection agency disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: LDF Holdings, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call at least once a week, every week and will not stop. They change phone numbers also. It isn't always the same number. They leave an automated message saying that they just want to talk to me.

Company response to consumer: Closed with explanation