BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following  particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and XXXX XXXX  XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!

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 2021-06-10
Company: EQUIFAX, INC.
State: GA
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/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly state that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I file litigation due to the stress you caused me. My information was impacted by the equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Kimball, Tirey & St. John LLP
State: NV
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:
On XX/XX/2019, I received a letter from Debt Collector ( Kimball, TIrey & St.John LLP ) notifying me- for the first time, and in writing- that they were attempting to collect a debt of {$8400.00} on behalf of a former apartment property. However, the original creditor ( XXXX XXXX ) has committed numerous fraudulent acts in reporting any such outstanding balance. While I was a tenant, I paid my own money out-of-pocket to update and improve the dilapidated condition of the unit ; upon moving out, it was left with amenities that improved the value of the apartment drastically. For reasons unknown, the Manager alleges that there was damage to repair in the unit, even though it was in better shape than when I moved in. The creditor, XXXX and its management/owners, forged this enormous debt of {$8400.00}, in order to avoid returning the 1.5-month security deposit to me, and then they are trying to extort the {$8400.00} debt in addition. It is impossible that even the most minimal cleaning service could have found any damage to that apartment. The original creditor is lying, and I'm personally looking into civil litigation, as to not allow their greed to ruin my credit further. The original creditor lied about the cost to clean the apartment after move out, and they illegally never returned the security deposit. PLEASE, I need assistance desperately. I notified the Debt Collector that the debt is not valid, and the original creditor is in legal hot water, for all of the ills that they intentionally inflicted on me, as an ex-tenant. The callous nature of this situation has no basis, and it has destroyed my ability to obtAIN or find adequate housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with Merchant 's & Medical Credit for more than XXXX XXXX wants, {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
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: Public record information inaccurate

Complaint:
ALL " CRA '' REPORTING ERRORS OF INCORRECT " PACER '' DATA / NOT MY ACCOUNT " PUBLIC RECORD/ BANKRUPTCY CH XXXX '', PUBLIC RECORDS OUTDATED REPORTING PAST 10YRS AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE

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 2018-06-15
Company: CONRAD CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Buy a business to participate and a type of presentation which ended up with my information been enrolled in a program for which I did not know that I was be held liable for any type of repayment this was totally a slam and I oppose the Debt from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Santander Consumer USA 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:
XXXX contacted Santander Consumer USA on my credit report reading ( 30 days late ) vehicle has been paid off since XX/XX/2014. And that in the system it's showing a lien or something on the vehicle because I can't get the titles to the vehicle. I'm in the process of trying to buy a new house and this is holding up my process of what needs to be taken care of. I need to resolved the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX someone used my XXXX and debit card to transfer money on XXXX 3 times for {$490.00}, I did not authorize this individual to make those transfers and I immediately notified CapitalOne in regards to these transactions. Capital One also paid several of my bills on a XXXX  balance which I had requested them not to pay as I paid from my new bank account causing me to pay an extra {$630.00}. I also was told by one of their employees to open new bank accounts which I did but the bank immediately closed them as they stated they no longer want my business. I was employed by Capital One for 30 plus years and was extremely disappointed with their service or lack thereof. I must have spoken to at least a dozen employees and received incorrect information each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Experian Information Solutions 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:
Experian Credit Bureau have the following inaccurate Hard Inquiries on my Credit Report : XXXX XX/XX/XXXX and XXXX XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX and XXXX   have removed this damaging and inaccurate information from my Credit Report. I also contacted CFpb Consumer Protection Bureau for help. Thank you for you help. I am a XXXX XXXX XXXX. This is fradulant information on my Credit Report.

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 2020-06-23
Company: EQUIFAX, INC.
State: AR
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 first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Choice Recovery ignored my first letter for debt verification. I send a send letter for debt verification in which i received correspondence, however Choice Recovery still failed to validate the debts the allege I owe. Choice Recovery is violating FDCPA and FCRA.

Please see the attached letter sendt to Choice Recovery

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Enterprise Acquisitions
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had my automobile repaired @ a collision shop who agreed to provide me a free rental car from a car rental agency, next door, XXXX  XXXX. 
I was asked and did provide Enterprise my Debit Card, SOLELY to pay for any potential damage to the rented vehicle! The car was returned without damage, the collision shop paid the daily rental fee, now Enterprise, without my permission used my Debit Card and is harrasing, threatening me, and has put me into collection for an additional {$170.00}, I never agreed in writing or orally to pay!

Company response to consumer: Untimely response
Consumer complaint received 2020-06-23
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. Item information is inaccurate

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 2018-10-29
Company: EQUIFAX, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the final stages of purchasing my home loan and the lender ( XXXX XXXX ) is not able to pull my credit report. They are receiving an error message that says that my file has been blocked or frozen. We have unsuccessfully tried to have this file pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and i have called at least four times a week on the weeks beginning XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was transferred from Cardinal Financial to XXXX with absolutely no notification, instructions, or any form of communication whatsoever. 

I just started receiving suspicious letters from XXXX saying I had a banking account with them and needed to send them all of my personal sensitive data to finish setup of my account, which I didn't set up and had no knowledge of. 

I called XXXX, but my call kept getting dropped, by XXXX 's customer service center, to the point that I couldn't talk long enough with a representative to make any progress on assessing whether these suspicious XXXX letters were legitimate or a phishing scam. 

I checked the loan activity in my Cardinal account and saw that the most recent entry indicated a loan balance of XXXX, and also indicated the loan was removed due to release. I have received NO notification of this. 

I have no idea what is going on, if the loan has been legitimately transferred, if I should keep paying to the same place, if I need to pay through a new service, if my loan will be overdue if I don't pay to the correct institution ( if it has in fact been transferred ), etc. 

All I can ascertain is that a huge debt that is in my name and for which I am responsible for, has disappeared from the account where I've been able to access and service it. 

I've already wasted too many hours of my life trying to run this problem down with big institutions that don't seem to be even remotely concerned. Though, the second my payment is late, then they'll be concerned. 

I've worked very hard, been very responsible, and upheld my end of the mortgage agreement, only to have Cardinal and XXXX fall very short on their end. 

Cardinal and XXXX, shame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Flatonia Investments, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Envoy Mortgage has blocked all emails from XXXX XXXX and at least one current client. Former loan officers and managers have tried reaching out to human resources, compliance and government issues only to find out our emails are not going through. We are trying to get an FHA case # reassigned and they are refusing our requests, the borrower also reached out to Envoy via email with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Sometime several years ago I began getting statements from Pay Pal Credit and was shocked since I don't pay via pay pal when I order on Amazon.com. I filed a complaint against Pay Pal Credit and soon realized there had been numerous complaints lodged against the entity by thousands of American citizens and the Federal Gov't sued for opening up credit accounts on people without their permission or knowledge. Pay Pal Credit even accessed my personal credit history without my knowledge. I thought the problem had been rectified, but now as of a few weeks ago, I received a letter from Synchrony Bank stating they are taking over my Pay Pal credit line. The letter states Revised Terms as of XX/XX/2019. I don't even use PP Credit. I have a XXXX and an Amazon Store Card and those are the only cards I use to pay for Amazon purchases as those cards generate points that I can redeem for cash. 

How do I stop this? I don't even know what the account number is other than XXXX. I am afraid that someone phishing could steal my identity and run up a Pay Pal Bill in my name. I've already had my data breached via an online nursing continuing education website and my credit is being monitored by XXXX XXXX services for the next year. After that, I do not know what could happen.

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 2019-10-09
Company: I.C. System, Inc.
State: FL
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:
XXXX XXXX Hospital and services were cancelled and billed paid. when bill received proof of payment provided more than 3 yrs ago. Company sent to collection agency IC systems who were also advised of both paid prior and dispute. Both companies rude, unprofessional and refused to resolve the matter! 
Unacceptable customer TREAMENT and account handling!

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