BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
reference to case number XXXX, In response to my complaint response XXXX and pate nude and Felix. They said that they try to contact me on several occasion since 2009 and working on my behalf that is not true I never heard anything from the above debt collectors/ attorny till XXXX XXXX when they produced a judgment against me to XXXX XXXX and allegedly took XXXX I have never signed any agreement with any of the above debt collectors or attorney. therefore I do not owe them a dime because they are third party

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: ProCollect, Inc.
State: TX
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:
The company reported an unsubstantiated debt to credit reporting agencies which adversely impacted both my credit and a financing application giving rise to damages of higher interest rates. 

The company failed to properly substantiate their clients claim of a debt owed. I in fact do not owe their client anything ; their client owes me several hundred dollars.

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 2016-09-14
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A charge from XXXX XXXX was incorrectly billed to my account in the amount of {$160.00}. Several other charges came in the same day and TCF has their computer program work so that it processes charges from largest to smallest. This results in TCF being able to charge the most overdraft fees. This resulted in subsequent days items also creating overdrafts. See attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Company paid my real estate taxes to town twice. They have not adjusted in timely matter and are asking for a higher escrow payment to fix. 
I have been on the phone with Round Point Mortgage since this issue was noticed in XXXX of 2016. Since then I have received incorrect escrow analysis, inaccurate year end statement, wrong XXXX to file to IRS and multiple other wrong documents. I contacted Round Point again in XXXX about the issues above. I was told a case would be opened and if there was a double payment made to tax office that they will fix the above problems. Well that time has passed and I still have a wrong escrow and tax forms, so unable to file taxes. Also, have over payment of {$17000.00} to tax office and am currently prepayed and Tax office is aware of issue. But, Round Point still would like me to pay {$25000.00} to keep my mortgage payment the same to correct their error, with double payment to the tax office until they feel like fixing the issue. So, 3 months have passed and still same problem. Multiple phone calls asking to speak to someone handling my case and they state they ca n't be contacted, but that they are still working on it. Now new mortgage payment is due, and is extremely inaccurate and double the usual. Tax office has stated that they have had no contact from RoundPoint Mortgage ever. So in contacting ROund Point again I still have not had my issue corrected.

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 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and 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 2021-03-22
Company: EQUIFAX, 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:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT. I HAVE WRITTEN THESE AGENCIES 3 TIMES AND THEY HAVEN'T FIXED MY REPORT. 

XXXX XXXX, EQUIFAX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal is holding all my money from my my account after selling something on XXXX for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please help me, I have disputed previously a couple things with Transunion, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX account ending in XXXX still reporting on my credit. XXXX XXXX has already updated Transunion that account is n't mine. XXXX XXXX changed account to responsible person for account. After change Transunion did n't remove but instead put this persons address as my current address 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 explanation
Consumer complaint received 2017-01-19
Company: ProCollect, 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:
On Friday XXXX XXXX 2017 I reached out to Pro Collect debt collection agency to pay off a XXXX debt that was showing on my account. Prior to this I was applying for an apartment however upon submitting the application I was instantly denied due to have XXXX broken leases. When I first reached out to Pro Collect they informed me that I had XXXX accounts in collections one for the XXXX which was {$1000.00} and one for the XXXX for {$500.00}. So when I contacted Pro Collect on XXXX XXXX 2017 I clearly informed the representative that I was only going to pay the {$500.00} plus {$7.00} fee to process the order so that account would show as paid. She asssured me several times that once I paid the amount of {$500.00} that the account for the XXXX would be removed and I would receive a confirmation email within 72 hours. I paid the amount and was even given a confirmation number. By Tuesday XXXX XXXX 2017 I had not received any sort of email confirmation. So I once again called back to Pro Collect and the next representative informed me that my account was not showing as XXXX separate accounts and that the amount had to be paid in full for me to receive any confirmation email that my account was paid in full. Even though I did pay {$500.00} the XXXX account is still showing in collections and in order for me to have it removed I would have to pay the {$1000.00} in order for the XXXX account to be removed

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 2015-04-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
ASSET ACCEPTANCE IS REPORTING INACCURATE, INJURIOUS INFORMATION TO ALL XXXX CREDIT BUREAUS XXXX, XXXX XXXX AND XXXX. 
THE FIRST CONTACT I HAD WITH THEM IS WHEN I NOTICED THE INACCURATE INJURIOUS INFORMATION ON MY CREDIT REPORTS.I THEN MAILED A VALIDATION NOTICE TO THEM VIA CERTIFIED MAIL AND ASSET ACCEPTANCE RESPONDED STATING THAT THEY COULD NOT RECOGNIZE THE SIGNIFICANCE OF MY COMMUNICATION PERTAINING TO SECTION XXXX OF THE FAIR DEBT COLLECTION PRACTICES ACT.THIS COMPANY BASICALLY STATED THAT THEY DID NOT KNOW WHAT I WANTED THEM TO DO. 
THIS COMPANY IS BLATANBTLY AND INACCURATELY ATTEMPTING TO COLLECT XXXX FROM ME AND I HAVE NO KNOWLEDGE OF THIS ALLEDGED DEBT.THIS COMPANY IS ALSO REPORTING THIS DEBT AS A " FACTORINGACCOUNT '' AS THE " TYPE OF LOAN " WHICH IS FALSE! 
ASSET ACEPTANCE IS ALSO REPORTING THIS DEBT AS '' OPEN '' WHICH IS ALSO FALSE AND THIS COMPANY SHOULD BE HELD ACCOUNTABLE FOR REPORTING ILLEGAL, INJURIOUS AND FALSE INFORMATION THAT IS JEOPARDIZING MY CREDIT AND OVERALL FINANCIAL STATUS.I THANK THE CONSUMER FINANCIAL PROTECTION BUREAU IN ADVANCE FOR ITS ASSISTANCE IN WHAT IS A VERY FRUSTRATING SITUATION FOR ME AFTER HAVING TO FILE THIS COMPLAINT AND PLACE DISPUTES WITH ALL XXXX CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls 4-5 times a day, leaves a message not saying who they are, and when I do answer they do n't say who they are and ask me to hold to talk to someone after talking to someone. I get calls at random times of day Monday - Sunday. Even worse is my loan is t late. They call for payment on a loan that is current.

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 2016-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I found this address on my credit report and i have never stayed in Colorado i think somebody trying to open an account using my information XXXX, CO 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 2015-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed a complaint with Equifax pertaining to inaccurate information being reported by national credit .XXXX has removed the information based upon the document I provided showing a balance XXXX XXXX for {$57.00} ..i submitted the same document to Equifax , to find they have not included the faxed document in my investigation. The XXXX is the rental property I was leasing from XXXX XXXX, til XXXX XXXX XXXXt is showing a balance of {$8300.00} as of XXXX XXXX, the beginning balance of {$3000.00} in XXXX XXXX, to my understanding collection agents does not have a right to collect more than what the balance is owed, I wish Equifax to removed the negative reporting from XXXX.due to not reporting accurate information. nor correct balance owed from date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Sentry Credit, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a collection manager and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my bank. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.

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 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a hotel stay at XXXX XXXX XXXX because the room was not clean, there was XXXX in the hallway along with XXXX. 

Trash was overflowing into the hallways and the only explanation given was due to COVID 19 the hotel was not fully staffed. 

The total amount of the dispute is {$1200.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about a series of 8-10 envelopes that were sent to me by DSRI, which you will find attached to this complaint. The envelopes with the exception of one of them contain bar codes ( which represent numbers ) and QR codes, this is a major violation of the law 15 U.S. Code 1692f ( 8 ) - Unfair practices. I tried to resolve this matter with DSRI, but no one has reached out to me to address the issue.
<P/><P/>
15 U.S. Code 1692f - Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
<P/>
Please find the burden of proof attached.
1. Envelope violations with QR Code and Bar Code 2. Complaint And Demand Letter Both have been sent to DSRI, no response ...
3.   XXXX   v.   XXXX    Case Law Attached Please consider that if the following is happening to me it is happening to thousands of other just like me and I ask that the CFPB take this complaint seriously and even escalate this to the special investigations unit.
<P/>
I do not wish to dismiss this case and file a case in civil court and have to hire an attorney, which DSRI would end up paying for. I think we can manage to settle this matter before a class-wide resolution is needed.
<P/>
It is in the public 's best interest for the CFPB to investigate this matter as it will provide greater transparency into how debt collection agencies break the law and greater transparency into how DSRI conducts itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Updated medical insurance information was submitted at the time of the office visit but the information was never forwarded to their billing department. Doctor 's office sent the bill for collection. I had paid the copay and since my address also had changed, I did not receive any notices of the bill not being paid and was unaware that there was a problem. Doctor 's office cancelled collection on XXXX/XXXX/15, more than 30 days ago, recognizing that the error was theirs..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
the listed personal information is incorrect and needs to be removed and changed. 

The information on CDL is current and correct. 
and my employer is self employed at XXXX XXXX XXXX XXXX XXXX ca XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief