BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-24
Company: Pinnacle Credit Services, LLC
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 is not mine

Complaint:
Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all partiesXXXX. Pinnacle is not the original creditor. 
XXXX. Pinnacle is reporting as an original creditor on more than XXXX of the credit bureaus ( FCRA Violation ) XXXX. As they are reporting to all XXXX bureaus, this debt will continue reporting until XXXX XXXX. XXXX, Texas statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX v XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) XXXX. A debt buyer hired by Pinnacle XXXX XXXX and XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
XXXX. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
XXXX. Received a letter stating XXXX and XXXX was closing the case and information submitted back to Pinnacle. 
XXXX. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
XXXX. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: Pinnacle Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pinnacle purchased a debt from XXXX. They repeatedly change the Date of 1st delinquency and the date opened/closed I have copies of my credit report to prove the XXXX companies continue to change the date of 1st delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently received a copy of my credit reports from the XXXX credit bureaus and I noticed an account in collections from Franklin Collection Services in the amount of {$220.00}. I contacted the collection and requested verification of debt but all I received is a bill. There is no breakdown of charges or signature. I have disputed this and requested in depth verification of this debt but I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is not XXXX XXXX XXXX. My name is XXXX XXXX. I believe XX/XX/XXXX or XX/XX/XXXX my credit I do was stolen and ever since then I have seen the name XXXX XXXX XXXX. Which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 3 credit bureaus to validate these accounts ( A ). 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 be investigated and corrected : BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my 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 non-monetary relief
Consumer complaint received 2016-03-11
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I found a wrongful credit reporting on my credit report and want it removed. 

Debt Collection Company : Pinnacle Credit Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Refuses to Answer a demand to Verify Debt This Demand was Sent by Email, USPS and through XXXX without a response! 
XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX Dated : XXXX XXXX, 2014 Dear Sir/Madam : I am disputing obligation to pay this account. Suspend all collection efforts until dispute can be validated with the Federal Fair Debt Collection Act Title VIII. 

I am writing in response to Wrongful Credit Reporting of a debit. I do not believe I owe what you say I owe. I am disputing the debt. 

I am respectfully requesting that you provide me with the following information : - What the money you say I owe is for - Any credit application for this debt - Any contract that I signed and dated, for this debt - A copy of any judgment - Identify the original creditor by date, name, address and telephone number. 

Further, you are instructed : All future communications with me MUST be done in writing and sent to me by mail. 

Finally, if you do not own this debt, I also request that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

By, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX submitting this another CFPB Complaint to request to the Credit Reporting Agencies once more to investigate the following accounts and remove them from my credit file. I am submitting this CFPB Complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to be removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported: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 2017-02-22
Company: Prosper Marketplace, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I set up payment arrangements to get on a program. They agreed to place all my late payments on the back of the loan. Over the course of one month I made 3 payments totalling {$850.00}. Last week, I began receiving back to back collection calls. I spoke with a rep who said I was n't on a program. I told them to play the tape. They did. They told me that even though the rep I spoke with assured me that I was on the program, that I was not in fact on the program and would have to make another payment to be " considered '' for the program with no guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$1800.00}

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 explanation
Consumer complaint received 2016-12-02
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint mortgage keeps incorrectly force placing flood insurance onto my mortgage. I have already submitted evidence of flood insurance to them several times via email, fax and have contacted them. I have evidence of all of those submissions that date all the way back to XX/XX/2016. My mortgage amount is normally {$940.00} but this month they increased my auto debit without my consent and without any communication to {$1200.00}. I contacted their customer service and it turns out to be an error on their part for never accurately updating their flood records. So unfortunately I am out {$260.00} until they can get this resolved which they told me they wouldnt be able to give me an update on it until XX/XX/2016. This is extremely deceptive practice and its similar to what i experienced with XXXX XXXX XXXX. They have no right to force place that insurance when i adequately and timely submitted evidence and they also violated my reg E for adjusting my ACH without my consent and notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX I have XXXX XXXX on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. XXXX XXXX keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX I have XXXX XXXX on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. XXXX XXXX keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof

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 2016-12-04
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A previous Mortgage company claims a payment became missing during my Chapter 13 status ( XX/XX/XXXX to XX/XX/XXXX ) and they ca n't or will not provide specific documents indicating exactly what month that the payment became missing. The Mortgage servicing company has since transferred my loan to another Mortgage company showing a missing payment and also with claimed unapplied funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TCF NATIONAL BANK
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
In XXXX of 2016, I fell 2 weeks Behind on my auto payment Of just over $ XXXX.Gateway One Begin calling me Relentlessly everyday Sometimes starting as early as XXXX.I informed the rep not to call before XXXX which they agreed to.In XXXX They started calling again At XXXX And XXXX.. I spoke with a manager who apologized And said it would not happen again.Now in XXXX The XXXX. calls Have started all over again For the third consecutive month.They have called me and no less than 10 times today, Sometimes Three calls within one minute.I answered the phone and ask to speak with a manager immediately But was told To call back if I wanted to speak with a manager and they hung up on me.My phone rings from XXXXTo XXXX.7 days a week From Gateway One XXXX.This starts after 7 days And continues until the payment is made. I have not had a 30-day late payment as of yet.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every year I am forced to spend several months getting my mortgage processing co. to acknowledge my insurance. There seems to be a scam that involves them buying insurance and billing me through escrow. The mortgage company must make a lot of money placing these policies. I live in a XXXX. The Association has flood insurance and the agent and policy has not changed. The information is on line. The mortgage company is named on the policy. The agent contacts the mortgage company and I continue to get letters saying I have no insurance. When you call them, there is always a mistake. The information was n't processed, somebody did n't enter the information properly, etc. It seems that they are trying to wear you down and if you do n't have the time or energy to go through XXXX calls waiting on the phone for an hour or so, then they win. My condo agent, the insurance agent and others all are aware of this scam. Other people must be going through this as well. This year, they sent a letter saying I did n't have homeowners insurance even though they pay the policy directly with escrow money. They are polite during the phone calls. They promise to correct the mistake, but it takes three months every year to get them to cancel the policy or enter the correct information. You know that they are counting on a certain number of people who do n't follow up and get scammed.

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 2016-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX hard inquiries done by XXXX XXXX which They had no authorization to do. Im an employee of a XXXX and that was our floorplan company.im just an employee, no manager, owner or nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have repeatedly disputed false inquiries on my credit report with Equifax while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Equifax has failed to remove these false inquires. Please uphold them to their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair or correct the account listed below : XXXX 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