BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: Receivables Performance Management, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called  XXXX  and try to find out why my bill was {$1700.00}, and   XXXX   XXXX   finance department stated the account is with an outside agency then transferred me to RPM ( Receivable Performance Management ). I tried to explain my situation to the first agent at RPM, she discontinued the call. I tried again, it was discontinued and the third time it was transferred to the escalation department.
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The RPM escalation department agent then gave me two options, dispute the balance immediately or request for a detailed bill from   XXXX   which will be sent to RPM to review then she 'll get in touch with me. She stated it will take about 30 days for RPM to receive the detailed bill from  XXXX . If I decided to dispute the balance now, then she could go ahead and do that. But, after the dispute she 'll need a bill to review the items I am disputing ( which does n't make any sense to dispute now if she needs a detailed bill from  XXXX  to begin with. ) While talking about these options, the agent told me I have 89 days until they put this on my credit bureau and ruin my credit. A reminder this 89 days is counting down while   XXXX   and RPM figuring out their processing of receiving and sending the detailed bill.
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I tried to ask why that is and the agent told me there is nothing I can do about it. Then stated she 'll start with the dispute now. She stated there 's nothing I can do about it as if I do n't know my rights. She also suggested I pay the bill now and dispute the bill items later, which I think is ridiculous because the bill is not yet verified.
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Furthermore, RPM never once sent me a letter at my house which they claimed to have done. I asked if they could send me a letter again, they said they already have sent it and will not send it again.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-07
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: Account status incorrect

Complaint:
I contacted XXXX XXXX XXXX ( debt collector ) about erroneous charges from XXXX XXXX ( alleged original creditor ). I spoke to XXXX XXXX and they agreed to remove the debt. First credit services even sent me a letter saying the balance is {$0.00} and Transunion has refused to remove this erroneous debt from my credit report and did not accurately verify the erroneous debt. 

The account number listed on my Transunion credit report is : XXXX The master number for this account is # XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-03-10
Company: Consumer Portfolio Services, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXXXXXX XXXX  I submitted a request for my consumer report from Early Warning Systems through the secure transfer portal at https : //consumerservices.earlywarning.com. 

I believe XXXX has violated the law of the CRA and California State Law as they were supposed to send me my report within 5 business days. Attaching proof from their website below. Along with denying me access to their site after requesting my report, also a violation. 

After no response for several days, I logged in through their secure transfer portal to check the status. 
It showed the request and documents were viewed and read by an associate, and even included the associates name. 
However, I received no reply. 
I sent another request, asking why my initial request was ignored. 

In another day or so, I tried to log in again to check the status, and my log in suddenly did not work so I tried to reset my password, and the request was denied. It seems they had disabled/locked me out of the system for requesting my report. 
Attaching all the proof below. 

From the XXXX website. 

" Consumer reports will be provided to residents of the below states in accordance with state laws : XXXX XXXX  : 4 business days XXXX XXXX XXXX XXXX  : 5 business days XXXX  : Promptly '' " Please return your completed, signed and dated Consumer Identification and Certification Form and a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ) to Early Warning by mail, fax or uploaded to our Secure Transfer Portal. '' " To communicate electronically with us, via the Transfer Portal, go to https : //consumerservices.earlywarning.com. When prompted for the Early Warning email address, enter XXXX. Follow the instructions on the screen to create your User ID and password, and to upload the documents to be transmitted to Early Warning. If you need technical assistance with the Transfer Portal please call XXXX '' "

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a request to recalculate my income-based repayment ( IBR ) amount in XXXX 2017 to FedLoan Servicing ( FLS ). I did this because my AGI had changed since my previous calculation of IBR. This normally takes 7-10 days, but for some reason it took almost a month. However, I did get a new amount at the end of XX/XX/XXXX( approx. {$310.00} ), and was issued a bill at the beginning of XX/XX/XXXX to be autodebited XX/XX/XXXX. Then, a few days after I had gotten the bill, I got notice that my IBR amount had changed. When I logged in, not only had it changed for {$410.00}, but they had placed all of my loans on administrative forbearance. This was entirely without notification or my consent. I called FLS, and after a lot of investigation I was told my account had been " reviewed '' and the reviewer had decided my original amount was incorrect and recalculated it as {$410.00}. Again, this was all without notification and consent. When the person on the phone reviewed my documentation, she determined that the amount had been right the first time, and told me it would be reinstated. However, a few days later when I got notice of the " new '' amount, which was supposed to be the old amount, it was yet another amount, this time {$360.00}. I called back, and again someone told me it would be fixed, but now it 'd be fixed too late for me to be able to pay for the month of XX/XX/XXXX. I 'm in PSLF so every month of on time payment is important to counting to my 120 payments. Also, the forbearance caused the capitalization of interest, increasing my loan amount. After complaining to at least 3 more people, I was told it would be referred to the audit department, and IF they determined it was not my fault that this had happened ( everyone I 'd spoken to agreed it was not my fault ), I 'd be allowed to make a payment sometime in the future ( she said it 'd be several months ) that could " count '' as my XX/XX/XXXXpayment, and go towards PSLF. I had to complain to several more people before it was fixed, and I am now scheduled to make my actual payment of {$310.00} on XX/XX/XXXX, but I 'm holding my breath, because who knows what will actually happen. It 's incredibly concerning that they can just go in and change the amount that 's due without any notice or consent from you. This is not the first, and I 'm sure not the last, time I 've had serious problems with this loan servicer, and every other servicer I 've ever had. The level of incompetence, lack of transparency, and customer service is mind-blowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: Account status incorrect

Complaint:
XXXX XXXX is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2022-09-07
Company: EQUIFAX, INC.
State: AZ
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:
On ( XXXX/XXXX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: J&L Collection Services
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:
For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XXXX XXXX if the following 3 accounts are not deleted by XXXX XXXX. I have already waited 6 months!! J & L TEAMWORKS Account Number XXXX J & L TEAMWORKS Account Number XXXX XXXX XXXX XXXX Account Number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: HCFS Healthcare Financial Services of TeamHealth
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:
For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXX if the following 3 accounts are not deleted by XX/XX/XXXX. I have already waited 6 months!! XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ARS ACCOUNT RESOLUTION Account Number  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 2021-05-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Pay Pal closed my account for no reason and will not help or assist me with getting my account back and running so that Im at least able to transfer my balance to my checking account. Im not sure if this was a mistake but I assume it had to be. Ive been reaching out for over 6 months with hopes that they would assist me with this matter to no avail. So I am reaching out to the CFPB because I feel like Pay Pay is not doing anything to resolve this matter. In which has led to me losing my apartment and car because of this situation. My email attached to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This criminal company ELAN financial IS NOT CALCULATING my reward points correctly and refused to give over 5500 rewards point, after calling 3 times and waiting over 20 minutes each 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 2017-06-22
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy XXXX of 2016 this debt was included in my bankruptcy and I have called and called only to be told that they have received my paperwork and to give them 8 weeks to resolve the issue and here we are over a year later and still has not been fixed!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TN
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
During 2019, I was experiencing financial hardship and decided that consolidating my private and public loans into one big loan to get the interest rate down was the best option to help me get my loans paid off and on time. I decided to move forward with refinancing through XXXX. 

In the last quarter of 2019, I called Navient to let them know of the decision I had made and requested that the six loans I have with them ( totaling {$28000.00} ) be placed on deferment while I waited for XXXX to walk me through my options of consolidating all of my loans. 

The Navient customer service representative over the phone told me they would place the loan on deferment and I would not need to make a payment for 90 days. The customer service representative was inaccurate in the information they gave me as they FAILED to put the loans in deferral mode. 

Although I was clearly communicated to that there was no need to make a payment for the days outlined while I waited for consolidation to process, this misinformation caused there to become a failure to pay. With that being said, once I found out there was any sort of inquiry on this loan, I was forced to make an immediate payment but was still penalized for the inaccurate information the representative gave me. 

I am experiencing ample credit issues now due to the failed processing of my approved deferment and inaccurate information given to me by the Navient representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$55.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation