BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XX/XX/XXXX, I started XXXX family plan with a 2-year contract. After this 2 year contract due, XX/XX/XXXX, I went to XXXX store at XXXX XXXX XXXX, XXXX, and changed my plan to prepaid service. But after plan switch, I found XXXX still charged me same money of the canceled plan monthly, in the meanwhile, the prepaid minutes also decreased after each use. I called XXXX customer service for several times to fix it, their representatives agreed to cancel this double charge, but an unreasonable bill which value is {$270.00} resulted from that. And XXXX sold this bill to RPM collection agency to let them collect the money from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$5300.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 never had account with XXXX XXXX XXXX they just started report a charge off account on all three of my credit reports which is hurting my score. I have disputed with all three bureaus. I have previous found other people accounts on my report. want the account deleted. I have attached two copies One from XXXX reporting and one from Transunion

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 2022-11-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-12
Company: Experian Information Solutions 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-03-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX Credit card : received new card, but without receiving statements, nor any other notice of any kind although they had my email address, my phone and other numbers for text messaging purposes, reported myself being late. 1-Upon receiving a phone call on XXXX/XXXX/15 from XXXX about being late, I immediately on the same day made the full payment after reaching agreement that XXXX does not report myself being late and waiving late fees. 2-However XXXX did report to credit buroeus my account being late. 3 -- Subsequently I received on XXXX/XXXX/15 in damaged envelopes the previous XXXX statements which did not have any postmarks but according to USPS were damaged and therefore delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Manhattan Beach Venture, LLC
State: MO
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
A company by the name of student loan relief department informed me that I would be able to get a $ XXXXmonth student loan relief plan if I paid them about {$2000.00} for their services for filing the annual paperwork ( broken up into {$35.00} payments over four years ). I was referred to this company by my little sister and her spouse who have also enlisted this company 's service. After contacting my federal student loan company, I was made aware that is program is a scam and does not forgive my student loans. The fraudulent company has my social security number, applied for loan forbearance on my behalf and even provided me with a fafsa pin and username. I have since changed my fafsa pin and username, am currently monitoring my credit and will be cancelling my bank account that I have given the company to withdraw monthly payments from. When contacting their customer service to try to cancel services with them, I either get hung up on or I am on an indefinite hold. Even when contacting the original representative that I spoke with to set this agreement up, conveniently his phone goes straight to voicemail and his mailbox can not accept any new voicemails. After speaking with my loan provider, I found out the service that this company provides is available for free and has to go through the loan provided to be valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Receivables Performance Management, LLC
State: OH
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:
This bill was paid on time prior to it going to collections. I had problems with the billing of XXXX from the very beginning, they over billed and continued to charge for promotional start up services that were cancelled. I began keeping some notes of when I had to go to the stores to try to resolve billing errors. The store managers would correct the bills and update the billing in the store. I would be over charged ALL the time, every bill I was being charged for services I was not receiving. I was being charged for XXXX lines I did not even have. The last payment I made, I made in full to end the relationship with XXXX XXXX XXXX. I would not have gone through all of that for the last bill to go to collections. I was told by the store manager what to pay ( because my bill I was over charged ) I paid my bill in full. It should have never went to collections, never. I called XXXX about this over and over but I always got a person in a different country who hardly understood XXXX - they would literally laugh at you when you would call them. Laugh at you, outloud, in you ear, at you about your problem. Im not kidding XXXX bit. The stores near me XXXX by XXXX were shutting down and the managers and sales people I once relied on were gone and I had no one go to for help with the bill. Now even after I had paid my last bill, I was still being billed for services I did not have. I was with XXXX at this point now and had taken the XXXX phone numbers with me and I was still getting a bill for service from XXXX XXXX and I was not even with them. I tried resolving this matter but you can not communicate with people who thinks its just a big joke. 
I dug up my notes and rewrote them, I hope you can read them. I also dug up my check book with the payment I made that was calculated at the store by the manager due to over charges. This was my last bill, my last services I had.. I should have received no more bills or correspondence from them. Our relationship was done and I was so very happy about that. it was a nightmare from the beginning. I would not go through ALL of that and then not pay the last statement - that would be just stupid of me. Ive tried disputing this over and over with the XXXX credit bureaus - nothing ever comes of it and I dont know much of an investigation they conduct in an XXXX.. 
I really hope you can help me. Please let me know if there is any other information I can provide Or if you need anything else. The numbers next to the managers names are their store employee numbers. They told me to write this stuff down. I am so glad I saved it all. If I find more information can I upload it more info? 
Thank you, XXXX

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 2015-04-11
Company: E*TRADE BANK
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We took out a HELOC with E-Trade Bank several years ago. We were making monthly automatic payments from our Credit Union in XXXX for many years on that loan thru a loan servicing company hired by E-Trade Bank. The name of the Loan Servicer was XXXX XXXX XXXX. In XXXX 2015 XXXX XXXX XXXX was replaced by another loan servicing company hired by E-Trade. The replacement loan servicer is called XXXX. We made a monthly payment of {$1000.00} on the HELOC as usual to XXXX on XXXX XXXX, 2015, and we believe XXXX received this payment on XXXX XXXX, 2015. AFTER WE HAD ALREADY MADE THAT PAYMENT we received in the mail a notice from XXXX that all payments after XXXX XXXX, 2015, were supposed to go to XXXX rather than XXXX. Because we had not received adequate advance notice of this change, XXXX is now demanding the {$1000.00} payment we made on XXXX XXXX, 2015 to XXXX. We can not call XXXX at all as they refer all inquiries to XXXX, the new servicer. We wrote to XXXX on XXXX XXXX, 2015 demanding return of the {$1000.00} payment we sent to them on XXXX XXXX, 2015, so we can forward the XXXX 2015 payment to XXXX to bring their account current. XXXX stills says we have not made the XXXX 2015 payment to them because it went to XXXX. As of this date we have not gotten the refund from XXXX and we do not have an extra {$1000.00} laying around to sned a duplicate payment to XXXX while XXXX is illegally holding on to our {$1000.00} payment for XXXX 2015. We 've filed complaints with CFPB against both XXXX and XXXX. XXXX refuses to acknowledge they sent their notice of changed servicer RETROACTIVELY. CFPB wrote to us and said they do n't have enough info about XXXX. We already gave CFPB all the info we have about XXXX. This is the company E-Trade hired to service our HELOC. Since XXXX is probably bankrupt or being investigated for some federal fraud related to loan servicing and it seems XXXX swooped in to take this over for E-Trade ... NOW WE WANT TO FILE A COMPLAINT AGAINST E-TRADE BANK FOR NEGLIGENTLY HIRING THE DISHONEST AND CRIMINAL LOAN SERVICER CLC WHO WILL NOT RETURN OUR {$1000.00}!!! We never told E-Trade who to hire to service their loans. That 's E-Trade 's business. We 've been screwed and E-Trade must REFUND OUR {$1000.00} IMMEDIATELY so we can forward this payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Contacted me at my work place on XXXX/XXXX/2015 at XXXX and I told them that I could n't speak due to me being at work and that I would contact them when I was XXXX to speak on the phone. I get a phone call from my brother at XXXX am telling me that he just got off the phone with the debt collelctor and that they disclosed who they where, what compant they work for, and that they where looking for me to try and collect on a debt that is owed and by what company the debt was for. They asked if he knew of away to contact me and that if he could pass a message along to me as well. I called them back at XXXX am asking why they disclosed confidental information to my brother and why did they contact me at my place of work. They told me that since they are collecting a debt that they can contact whoever they need to. I asked them to please not contact me at my place of work anymore becasue my manager has a problem with it and I got written up at my job because of there call. She told me that it was n't her problem and would n't explain to me where in the FDCPA that it says thats acceptable. She got very rude and nasty started to shout at me before hanging up in my face. Before she hung up on me she told me that collection methods would pressme the way that they have been doiong them and that if I did n't call them back by XXXX eastern time today that they where going to send my file to my local state office for writing a bad check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been trying to contact this company for 2 years now and they have not responded. They reported a collection on my credit but failed to notify me of the debt. When I found out about the debt via checking my credit report and disputing it through the XXXX major agencies I never received a verification of debt or any proof that the debt was actually owed. They have failed to follow the Florida Statue and took an account without verified action that debt was actually due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX mortgage with Citi Mortgage and with tremendous difficulty ( do to untrained personnel ) I was accepted into Citi Mortgages Modification program. I was mortified after completing my XXXX trial payments that over {$19000.00}. in interest was applied to my principle. The original principle amount was {$47000.00}. This " interest '' totals almost % XXXX of the original bill and by adding that {$19000.00}. to my principle itplaces my house under water by almost {$30000.00}. Citi Mortgage never disclosed that there was going to be an exorbitant amount tacked onto my loan. When I called and emailed to dispute this I was told that interest could not be removed because my XXXX mortgage was backed XXXX. I called XXXX and it is NOT backed by them. Citi mortgage has me running circles completing paperwork numerous times, placed me with many different unknowledgeable representatives whom I have to start the process over again with, and lied to me about the standing of my loan. Please help me save my home. I fell on difficult times I am not looking for a hand out ... Just what is fair. Citi Mortgage will get there interest over the life of the new loan so why are they allowed to double dip on interest and capitalize on my families misfortune? ... all while claiming to " help '' their consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is the third attempt to fix this problem XXXX have remove these inquires Equifax refuse to adhere to FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX is still on my credit report as debts I do n't have no debt with them I disputed 2 years ago it is still on my credit reports Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$40000.00}

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 2022-11-12
Company: Experian Information Solutions 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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