BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We gave notice of early lease termination to XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023, for a final move-out date of XX/XX/2023. On XX/XX/2023 the Early Termination Fee in the amount of {$3700.00} was applied to our account. 

All balances were paid, and account balance was {$0.00} not to include security deposit credit in the amount of {$500.00}. we have accompanying documentation and bank statements, as well as the lease terms regarding lease break fees. As well as a 12 month history of payments, provided by XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2023 a second lease termination fee of {$3700.00} was improperly applied to our account and we received an email with a final account statement on XX/XX/2023 that included the incorrectly applied fee. We immediately called the leasing office for clarification. Unfortunately, we were not able to speak with the management at the time. However, we received an updated statement that same day on XX/XX/2023 that removed the second fee, and updated the account to reflect the correct balances owed. We have a copy of this statement, detailing we are due a refund of {$410.00} Today, XX/XX/2023, we received a call from a debt collection agency " National Credit Systems '' in an attempt to collect the debt that we do not owe, in the amount of {$3300.00} We immediately filed a dispute, contacted the leasing office, and contacted multiple regulatory bodies to include yourself. 

A review of online reviews of this landlord shows that our experience is neither unique, nor isolated. We firmly believe several other households have experienced the same fraudulent practices and we believe an Audit would be in order of this companies finances and practices with collection accounts in arrears, to include fraudulent activity and " Double dipping '' on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I havent been able to link my bank account with PayPal Credit ( synchrony bank ) for two years. The only way Ive been able to make payments is by calling customer service or transferring money to another bank, resulting in late payments.

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 2023-02-09
Company: Strategic Alliances, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : I found this number called me multiple times, and called back at XXXX XXXX. The person on the call talked about the debt collection and asked me to pay it. I asked them to send me a letter about the details. The destination address was verified by both of us. 
XX/XX/XXXX : Called me at XXXX XXXX, asked me to pay the money just like the previous call doesn't exist. I felt it was weired, asked them to send a letter again, the person directly cut off the line without answering to my question. 
XX/XX/XXXX : Called me at XXXX XXXX I answered to the call but no one was talking to me. 
XX/XX/XXXX : I sent an email to them, complained about the bad communication, and asked for a written statement and the way to resolve this issue. No reply. 
XXXX : Called me at XXXX XXXX, I answered to the call but no one was talking to me. I called back at XXXX, re-stated my request to them, I need get a written statement, by mail. The person said they have already sent out the letter to my address. I said it has been more than 10 days since I requested on XX/XX/XXXX, could you send it again in case the letter was lost. The person refused. Then I asked if they can send an email to me, the person agreed. But nothing received. 
XXXX : Called at XXXX XXXX, I answered, no one talking to me. I sent another email at XXXX XXXX. No reply. 
XXXX : Called at XXXX XXXX  again. I directly rejected because their bad history of communication. I called back at XXXX XXXX  after I finished most of my work today, but nobody answered the call. I feel very frustrated about this issue, and start filing a complaint on the website of cfpb. 

From the date I recognized there is an issue for me to deal with, I have been actively contacting them for information and solution. They seems badly organized and irresponsible. There is no way to get any written statement back from them. However, they are addicted to calling people in the early morning, which is illegal according to the law, but conveying nonsense in the call, totally helpless to resolve the problem. 

I take my credit seriously and recently got into anxiety because of their bad communication, which affected my life and work deeply. I need the help from CFBP to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I listed the property twice to sell it to pay off the lender. The first realtor didnt get any offers. The second realtor got an offer below asking and what was owed on the mortgage and proceeded to work on a short sale. The realtor was getting the runaround from Mr. Cooper. There was plenty of time to review for the short sale but Mr. Cooper wasted it. 

The rest is explained in the Notice of Errors I sent to Mr. Cooper. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Amsher Collection Services, Inc.
State: NY
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:
On XX/XX/2022 I informed XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX Consumer Dispute Center that The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX This is not mine.. The companies failed to comply. That account ( XXXX XXXX is not mine at all and I need this account to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: The Bureaus, Inc.
State: OH
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:
For the one collection This account is not me, I never received notification of the debt, the original creditor never responded and I have moved from address they claim they sent collection to or original creditor sent bill notice to, Please remove this collection from my report as it is both predatory and inaccurate in the times of the coronavirus pandemic Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX they follow me all the way to my job and stand outside my work place follow me everywhere tapping my phone my XXXX and follow me everywhere that I go they break into my RV ace stole my car and then return it the only thing they need to do is come and shoot me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 2019-07-31
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Asset Acceptance set forth a motion for a writ of garnishment on JXX/XX/XXXX, which I was not notified about. I discovered this levy on my bank account thanks to XXXX  email notification on XXXX of XXXX, XXXX  at approximately XXXX. According to XXXX, the hold is for {$6500.00}, yet the writ of garnishment specifies that the amount is {$3200.00}. In addition to not being properly notified by Asset Acceptance or that Asset Acceptance had employed Midland Credit Management to conduct their legal proceedings, both Asset Acceptance and Midland Credit Management did not notify me of intent to garnish wages, they claim I was served on XX/XX/XXXX, but I have no copy of aforementioned summoning. When I attempted to contact the attorney overseeing my case, Case # : XXXX at Midland Credit Management va phone ( XXXX ) on XX/XX/XXXX, a Midland Credit Management representative provided unusable and/or false email information for the attorney managing the writ of garnishment, XXXX XXXX XXXX, whom I emailed to no avail, because the message was undeliverable. Today, XX/XX/XXXX, I attempted to contact XXXX XXXX XXXX at Midland Credit Management va phone ( XXXX ), but was informed by a Midland Credit Management representative that XXXX XXXX XXXX was not representing Asset Acceptance in the aforementioned writ of garnishment ( Case # : XXXX ) despite her name being checked off as the attorney overseeing the case ( Case # : XXXX ). The Midland representative during this phone call, further instructed me that the new attorney in charge of my case ( Case # : XXXX ) was XXXX XXXX, but that shes wasnt in her office and I could leave a voicemail, which I did. I was never notified by Asset Acceptance or Midland Credit Management, in any capacity, that the attorney in charge of my case ( Case # : XXXX had been changed. I can not resolve my case ( Case # : XXXX ) if Asset Acceptance and Midland Credit Management continue to evade and misdirect my attempts at communication with the attorney in charge of my case ( Case # : XXXX ). Asset Acceptance and Midland Credit Management appear to be running down the clock on the writ of garnishment ( Case # : XXXX ), thereby disenfranchising me of my right to communicate with the attorney in charge of my case ( Case # : XXXX ) for a resolution. Ive specified in my emails for XXXX XXXX XXXX and XXXX XXXX, that the writ of garnishment ( Case # : XXXX ) is creating extreme financial hardship on my ability to simply exist, any and all expenses and bills are on hold, because I dont have the funds to even get a tank of gas. Im currently waiting for XXXX XXXX, the attorney with Midland Credit Management, who has assumed charge of my case ( XXXX ), to respond via phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have closed my account and they have canceled my access to my information via the web. I have tried to get a record of XXXX and XXXX transactions - all monies in and out to properly account for on my tax returns. They keep responding via email to log on to get information, but MY LOG IS CLOSED and not working. I have emailed them ( they do not take phone calls ) and they only respond with auto reply that does not provide information

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 2020-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be 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 2020-04-24
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: Account information incorrect

Complaint:
I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from XXXX, XXXX, and Experian. Also, Experian is taking a long time on their Data Hacking Settlement.

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 2023-09-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting 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:
Ive tried calling and reaching out to the companys either no one answers or the manager is busy or the number is not in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter multiple times to TransUnion, XXXX and XXXX. However, it has been more than days and I have not received a response regarding my investigation. The status date on my credit report has not change, which means they are clearly not investigating the accounts. I discovered multiple billing errors under 15U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. Despite my initial request, I have not received any hard proof from the creditor that proves I did not pay and was marked late. Therefor, I am still adamant that these errors were purely billing errors. and I urge to rectify them promptly furthermore, I request that the following items be updated on my consumer report, as agreed. As a consumer, I have the right to have theses accounts updated immediately. in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state Under 15 U.S.C 1681 Civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX as a brand new XXXX, I was approved for the XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I used the card for 19 years with excellent payment history ( I owed {$5500.00} ), until I became incarcerated at the end of XXXX. My final bank-auto-payment stopped not long after, because my wages were stopped and I couldn't reach all my creditors except the ones that reached out to me in prison. I never got any CORRESPONDENCE from XXXX from XX/XX/XXXX to my release, XX/XX/XXXX. In XX/XX/XXXX I found out from the IRS that my 1st and 2nd stimulus checks were garnished by XXXX, I called XXXX and was referred to Transworld Systems Inc, who told me the US Treasury gave them {$1700.00} of the {$1800.00} ( minus admin fees ) on XXXX XX/XX/XXXX. I never got any CORRESPONDENCE from the Treasury Dept either. The TSI representative also stated that I now owed {$15000.00} with 15 % interest accrual per each {$1000.00}, per month, but if I requested for hardship consideration, they will send me a Statement of Financial Status. I later asked why wasn't the debt forgiven after seven years and it's no longer on my credit reports, and the lady said that XXXX do not forgive debts and it will be back in my credit reports soon, in collections. I received their first letter with the Statement of Financial Status, late XXXX, dated XX/XX/XXXX. I decided to consult a Pro-Bono attorney from the XXXX XXXX XXXX XXXX and later worked with a XXXX XXXX volunteer who researched the issue and found, 1. Its unlawful not to inform or attempt to collect from the debtor before putting a lien on his or her XXXX. - I was at a XXXX XXXX facility for six years before transferring to a Federal establishment, I was reachable. 2. The US Treasury Dept must inform the debtor of their action upon garnishment. - I sent an IRS Change of Address forms upon release to the XXXX  XXXX  that the federal prison released me to. In both instances, I was reachable, and I was in the hands of the US government. 

I first requested my {$1200.00} stimulus, XXXX XX/XX/XXXX via XXXX, as instructed by the IRS, and I sent it via Certified Mail. I waited and waited, until the IRS re-instructed that this time it must me claimed as a XXXX tax refund which I did again but at this time, the second stimulus was added to make it {$1800.00}. 

I also asked TSI for a complete debt profile from the beginning of this debt to now, but they say that process will take 30 days, I haven't gotten that yet. 

The reason I couldn't work any financials with them is because I'm currently XXXX with XXXX  XXXX  since my release, so I have no income. I tried my hand at temp-work for 2-1/2 months, but that only aggravated my condition, so I'm currently XXXX  and living at a VA XXXX XXXX XXXX XXXX while receiving treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX To whom it may concern : I need assistance from your agency. 

On my TransUnion credit report, a collection agency by the name of XXXX XXXX XXXX XXXX, has placed a fraudulent {$64.00} medical collection onto my credit file. 

This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 

I do not owe this fraudulent debt, and I want it immediately removed from my credit file. 

It started with XXXX about 8 years ago, this collector, along with another collection company, placed medical debts onto my credit files for a deceased person by the name of a XXXX XXXX. 
I have never met, nor known this person, nor is this person any relation to me. 
They have also added addresses to my credit file that I have no knowledge of, nor have I ever lived at. 

They have added an address of, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX, to my credit files. 
I have never lived at this address, nor do I know anyone there. 

I want this fraudulent medical collection that is not mine, nor do I owe, as well as the fraudulent false address information immediately removed from my credit files. 

On top of damaging my credit rating with a debt that isnt mine, this collection agency is breaking Texas statute of limitations law. 

The collector claims that this debt from whomever, became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX, a 6-year-old medical debt, violating Texas law. 

As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from my credit files with all of the credit bureaus, and I want hard copy written proof that that has been done. 

TransUnion has to do better, they cant allow a consumers credit file to be destroyed by placing false, unverified collections on it. 


cc : Attorney Generals Office cc : The Federal Trade Commission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: National Credit Adjusters, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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 have sent letters asking to verify information on the account because it is being reported in accurately. I've asked to verify date of alleged delinquency, verification of the assigned collector, the amount, and date of charge off. 
A letter was sent and received by National Credit Adjusters on XX/XX/2021. Thirty days passed and I did not receive a response. They continued to report to all 3 credit bureaus. I sent another letter which was received on XX/XX/2021. I asked them to remove my account since the have failed to validate. 
I received no update nor response as they continue to report on my account incorrect information.

Company response to consumer: Closed with explanation