BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-26
Company: Receivables Performance Management, LLC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2015 I cancel my XXXX for XX/XX/2015 my balance on XXXX was XXXX On XX/XX/2015 payment of XXXX was withdraw from my checking acct. Only XXXX was deducted from my balance On XX/XX/2015 payment of XXXX was withdraw from my acct. I try to correct this problem with directv. After many calls finally reach human being, all she could do give me an address I send all my documents and no respond. 6 months later collection agency mail me letter, I contact them and no respond. Now one year later, other collection contact me .Once again I have to correct XXXX mistakes. I owe XXXX nothing.

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 2015-07-09
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
In an adjunct filing to the complaint XXXX made to CFPB XXXX/XXXX/2015 I make this further complaint about a call received the following day XXXX/XXXX/2015 from phone XXXX which is Receivables Performance Management, XXXX XXXX XXXX XXXX, XXXX, WA XXXX SPONSORED by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, XXXX - XXXX, Ohio, which, again may not be licensed even to operate in my state of Georgia. 
The RPM website services description page lists, " CUSTOMIZED DUNNING Notice Services, XXXX, Early Age REACTIVATION SERVICES, Late Stage.. '' Please note, " OMB # XXXX : An agency MAY NOT CONDUCT or SPONSOR, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ) ... '' These control numbers are never given and more important the service that called me " Receivables Performance Management '' is being contracted and SPONSORED by XXXX & XXXX XXXX XXXX. Both companies are in violation of federal law the count of which is probably in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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:
In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.

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 2016-07-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: Regional Management Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Even if I am a day late on my payment, they begin calling. Typically call my cell 3-5 times in a row. Then begin calling each reference. Threatened to sue me after being 5 days late last month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I previously filed a complaint with CFPB against XXXX XXXX and their collection agency, Louisiana Recovery Services. I asserted that the debt should have been submitted to VA to be paid. In their response, they asserted that they mailed letters that were returned ( which means they had the wrong address ). Also, they said they called me through some sort of robocall. But, never spoke to me. Certainly, if they would have spoke to me, I would have told them what I requested initially and now, submit the bill to VA. 

Also, in their response to the CFPB complaint, they said they would submit the bill to VA. However, when I called VA 2 days ago, I learned that they never submitted the bill for payment. However, when I called Louisiana Recovery Services and spoke to XXXX XXXX, while VA representative XXXX XXXX was listening, XXXX XXXX falsely asserted that they had submitted the bill to VA for payment on XXXX XXXX, 2015. But, she was shocked when VA responded that was not true, and requested the payer ID number, which they could not provide. XXXX XXXX then provided her with the payer id number, and requested that Louisiana Recovery Services submit the bill. Also, XXXX XXXX asserted that Agent for Louisiana Recovery Services, who told me that she was a lawyer, XXXX, was in fact only a collection agent. VA agreed that it appears that they are deliberately refusing to send the bill to them for to avoid getting reimbursed the minimal government rate of charge, as opposed the over {$1700.00} they billed me personally. Why collect {$250.00} from VA, when they can try to collect so much more from me by holding my credit hostage. This is deceptive and unfair credit practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To. Consumer Financial Protection Bureau Greetings, I was XXXX from the Military because of XXXX and after a few years of struggle and hardship I could'nt afford to pay all my debt so I decided to enroll in the debt Settlement program. XXXX of my Debt is XXXX an unsecured Debt, which I owed a total of almost XXXX the debt settlement company the XXXX informed me that they already settled the Debt through Midland Credit Management account # ending ( XXXX XXXX in the amount of XXXX check # XXXX paid on XX/XX/2016 and they deducted to my trust fund at XXXX. now the Issues are the Midland Funding LLC is continued reporting to the credit bureau that my account is still open and they continued demanding that I owe money to this collection company Midland Funding LLC I hope the Bureau can Help me to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Starting in 2011, until last night, I was enrolled in Paymap Inc. 's Equity Accelerator program for a 30-year fixed-rate mortgage I have through XXXX. I found out last night that CFPB has taken action against Paymap for the Equity Accelerator program. How can I find out if I indeed was scammed by this program & thus received no added benefit, while I was charged an initiation fee of {$300.00} or so and also {$2.00} transaction fees for every payment. It appears as though everyone in this program was deceived. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am submitting a complaint against Target Cause they continue to report a fraudulent account that I did not authorize to be opened in my name. They sold the account to XXXX XX/XX/XXXX and I was able to resolve the issue them and get the fraudulent account removed from my file. XX/XX/XXXX I put a complaint on Target and they refused to remove the account even though I have provided supporting documents with my claim. They proceeded to report to XXXX as if the Charge off was XX/XX/XXXX which put me in a worst predicament than I was. I am requesting for this fraudulent account to be removed from my file. I have sent them my police report and the letter from XXXX XXXX XXXX which I am going to attach to my complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Michael Wayne Investment
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a XX/XX/XXXX XXXX XXXX that I purchased from Auto Connection in XXXX NC. In XX/XX/XXXX. It is financed with Michael Wayne Investment. There are some unresolved repair issues that is a ongoing issue sense I bought the car. I bought a extended Warranty and took the car in to be repaired in under two weeks after i bought it. The repair shop replaced a broken motor mount and transmission mount and told me the car was fixed but when i left the shop it still had the same problem. After taking it back to the dealership several times the issue never got diagnosed because of lack of concern by the dealership and their service manager, XXXX. XXXX was very rude and impossible to work with. I contacted Michael Wayne Investment out of frustration. It was at that time I was instructed by XXXX XXXX to stop making my payments until the repairs were resolved. So I did not make the payments. I started to get calls from their automated service everyday XXXX to XXXX times a day. I noticed when i would get in my car I heard a anoying beeping. Then my car would not start because they had it turned off by past time. Then because the repairs still have not been made XXXX XXXX started asking me when I am going to make my payment. So I started making the payments again, but because XXXX XXXX told me not to make several payments they are still calling me even the day after I make my regularly scheduled payments and tell me I am behind on my payments. I get calls early in the mornings all through the day and into the evening, and Sometimes tMy car wo n't start because they turn it off. I have asked them to stop harassing me with the phone calls and told them I 'm not behind on my payments because XXXX XXXX told me not to pay. I am stressed out bad because my account is past due and I am being called all the time. I never know when I am going to get I'n my car and it wo n't start. I am a poor person with a single income and I live paycheck to paycheck. I ca n't make more than XXXX payment at a time. it is wrong to treat customers this way. I wish I had never bought this vehicle. It is a bad car for my family. It has been in the shop XXXX times already sense XX/XX/XXXX and still not repaired. I do not have another vehicle to drive while this one is in the shop so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Credit Adjustments Inc
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity. The account with Credit Adjustments , Inc., that 's in my name is an unauthorized and fraudulent account. The account do not belong to me.

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 2022-10-17
Company: EQUIFAX, INC.
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:
Hard Inquiries found on my credit report that are fraudulent, listed as follows : 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 2020-04-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.

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 2015-09-09
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they continue to call and harass me about a debt that is not mine. I have repeatedly informed them that they have the wrong person but they will not stop calling me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan was transferred from Campus Partners to ECSI. I was not notified of the transfer by either party until I realized I was unable to access my campus partners account and they gave me a phone number to someone else. I called the number and was put on hold indefinetly, I was finally able to access my account using a livechat with an ECSI rep who gave me my login information. Upon logging in I can not tell if my payment is due and the website is very confusing and unclear. I dont even know if my payments are current. The login information requires XXXX fields and is extremely clumsy. The website is extremely outdated, confusing, and slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I disputed this bill thru XXXX and XXXX closed and removed and then it was removed from my credit repot effective XX/XX/2017. I thought it was over then Afni picked up an bill that was closed by creditor in the amount of {$1100.00}. Afni then went to contact my entire family. My XXXX year old father. Threatening everyone stating they where from court systems and that an warrant was issued for my arrest. Then they went on to call me after going after my family called me a liar and I asked them to not contact me again.I consider this a defamation of character an would like to see Afni get what they deserve.. I just really want this off my report for good as agreed by XXXX. I wish I could sue Afni. The nerve of them to go back into old closed court records and tell my family I am a criminal while I have lead a productive career.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Discharging my federal student loan. 

I am a former student of the XXXX of XXXX, From XXXX. I also was duped into enrolling with false promises! With aggressive recruiting tactics. That no matter what they wanted me on the the hook, With a federal loan, for A predatory school. With many of my instructors barely educated in the field themselves to which they were teaching. 

Am I to remain on the hook for debt I owe to the Department of Education? For a degree that is worthless, no more than the paper it is written on. 

The promises that were made to me and others at the art institute were that, at the end of my education I would be able to find a position in my field and begin the long road of repaying the loan back. 

But that was not the case. The job career center that the school offered only had jobs with really low paying positions, and had nothing to do with my field of study. An example being, a fast food restaurant. 

With more than XXXX in debt that can not realistically be paid off with the small amount of wages I currently receive and the HIGH cost of living.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I made a settlement agreement with Target to settle a debt and they accepted. A payment was made and they cashed the check. Now Target is threatening to transferred the balance to a debt collector and began reporting the account to the credit bureaus as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: GREAT LAKES
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Was not informed on the debt I owed or need to pay until it had already been sent to collections. I was only XXXX at the time and had no way of paying it back. was told that I would have a whole XXXX grace period to pay whatever was owed yet I 'm constantly being harassed and my credit is being taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I checked my credit report and found Renton Collection agency on there with XXXX charges totaling {$200.00}. I called to attempt to get an itemized bill of what was owed so I could mail a check. I spoke with a man there who informed me that I owed {$200.00} more for other debts that he refused to disclose. I told the representative that I would pay what was owed but I needed an itemized list of the creditors and amounts for my records. He refused to send any information and proceeded to tell me that he knew where I worked and he was going to call the office and ask to speak to my manager so he could tell them about my collections, which are all medical in nature. He demanded payment immediately or he would send more to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All this accounts have been settled or paid and they are reported as delinquent accounts, please help me to fix this problem, i had send several messages to the credit report companies with no good results. 

Agency Open TransUnion BalanceXXXX XXXX XXXX $ XXXXDiscuss Your Account WithXXXX XXXX XXXX Call XXXX XXXX ) XXXX or Visit Agency SiteXXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$13000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX XXXX XXXX {$9000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$8200.00} account reported on XXXX XXXX, XX/XX/XXXX OpenAccount # XXXX $ XXXXBalance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation