BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had fallen behind on my auto loan. XXXX XXXX XXXX hired a privet investigator to get the vehicle back. He called me i cooperated with him he told me that he wanted to come and take the truck so they could sell it. I asked well what happens if they do not sell it for the amount i owe do i have to pay that he told me no i would not have to pay that amount. I told him that i wanted to talk to my father and i also wanted my father to talk to him as well. My father was willing to help me get caught up. The Investigator that was hired by XXXX XXXX  XXXX  told me and my father that we would be better off just letting him come and get the vehicle and that i would not have to pay any amount that was not recovered at the sale. Well now they are after me for {$12000.00} that they did not get in the sale. They steered me away from trying to cure my default and they lied. They have sent this matter out to a collection agency and now they are after me. They have also not verified my request for debt validation completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.

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 2020-05-18
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper Mortgage XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX Mr Cooper ATTN : Payment Processing XXXX XXXX XXXX XXXX Texas XXXX My Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX ( XXXX ) XXXX Please Help XX/XX/XXXX I informed Pacific Union of significant tax changes ( Exemptions ) to my escrow. 
XX/XX/XXXX Pacific Union sold my VA mortgage to a Mr Cooper without a notification to me. 
XX/XX/2020I received a certified letter from Mr Cooper threatening foreclosure. Mr Cooper returned my mortgage payment to my bank refusing to accept the payment. Mr Cooper has added frivolous fees to my escrow. 
XX/XX/XXXX I have attempted to call Mr Cooper and I have left several online messages with Mr Cooper to resolve the matter. 
XX/XX/XXXX I changed my payment to Mr Cooper, however the payments come back under a Nationstar Mortgage LLC as the owner. 
I contacted XXXX Banking and they are investigating the matter of why the payments are returning. 
XX/XX/XXXX A Mr Cooper representative called me and informed me I needed to refinance in order to fix the issue. 
* At this point I am not sure who to pay my mortgage to ( Nations, Mr Cooper or Pacific Union ). 
Mr Cooper is taking advantage of not informing me of any type of transfer of my mortgage and is using it as a way to sell me to refinance. 
Mr Cooper keeps sending me Covid 19 refinancing emails, however will not return my calls to resolve the mortgage issue. 
I believe this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
MONEY IS BEING TAKEN OUT OF MY ACCOUNT AND BANK DOESNT KNOW WHERE ITS GOING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Amsher Collection Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have repeatedly sent letters to XXXX, XXXX  and XXXX  regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

AMSHER COLL ( Original Creditor : 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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is incorrectly changing my credit score and is not using the proper information to calculate my score. My score has dropped over 100 points sometimes twice in one day. I have complained about this before and it has not been handled properly. Transunion is using a biased system to score me and I think im being retaliated against for filling complaints. Based off similar people with the same situations my score is biased and should be investigated completely.

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 2021-03-27
Company: I.C. System, Inc.
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2021-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under XXXX section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.

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 2020-05-18
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX and my loan is with Chrysler Capital. I ran into some really hard times at the end of XXXX and my vehicle was repossessed XX/XX/XXXX. I gathered all of the funds to get my car back and retrieved it on XX/XX/XXXX. Recently I received an alert on my credit monitoring site the the loan was CHARGED OFF. I contacted the bank and they explained that because of the amount of days past due the loan had in fact been charged off and will continue to report that way even though i brought the loan current and have been making payments on time ever since. I need the accurate status of the loan to report to the credit bureaus so that my payment history can improve

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX/XXXX/2017 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2020-11-28
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 has totally XXXX up my accounts attach is a correct credit file from 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 2022-10-11
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Somebody opened a Victorias secret credit card under my name and is spending outrageous amount of money on that card. This person has spent a total of {$880.00} and it is ruining my life and credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased a new XXXX XXXX XXXX and financed with Citizens One Bank. For the first two years I paid an extra {$1000.00} per month towards the loan. In XXXX I lost my job and fell behind three months payments. Since I fell behind the three months I have got  back on track and have made a full payment every month, so much that I now owe less than one months payment for principal and interest and will pay off the loan this month. 
Citizens One has tacked on an additional {$400.00} in late fees that they refuse to remove. I was out of work here in XXXX due to the pandemic however I still made a full payment every month. 
I am amazed that in this economic environment that bank will not work with their customers and wave the unnecessary fees that charged. XXXX knows they made plenty of money off the loan interest. Can you please speak with this bank about removing their fees. This is certainly not a good business practice with so many people out of work and truly hurting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: LoanCare, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Loan care said they paid my escrow payment on XX/XX/2020. I called XXXX and they still do not have the money. The escrow was short XXXX so I paid that right then. I have called LoanCare and always keep getting hung up on after a long hold. They said they sent the check, it was sent to a incorrect address. The amount they sent to XXXX was {$1200.00}. LoanCare also told XXXX they would fax a copy of the check to them which LoanCare has not. XXXX calls LoanCare and is on hold and gets hung up on as well. I have called and called I have asked the 2 companies to work together to get this resolved and nothing. I do not want my rental home owner 's cancelled since LoanCare and XXXX are not playing well. Please see if you can assist. Thank you so much. I will attach the Loan Care note saying it was sent and 2 bills from XXXX and my notes. Please reach out if you have any questions. Thank you. XXXX XXXX House is on XXXX XXXX XXXX. XXXX XXXX OH XXXX. My phone number is 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 2020-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.

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 2021-05-20
Company: EQUIFAX, INC.
State: NC
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 have received a copy of my credit report and it shows company ( Original Creditor : XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX from XXXX XXXX XXXX called repeatedly before XXXX XXXX  on XXXX/XXXX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.

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 2019-08-15
Company: United PanAm Financial Corp.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I do not have an account with this company however they called about my abusive ex husband at XXXX XXXX  asking if I know where he lives, a number or a job. One I have an active chuld support case hes not paying, my children haven't seen him in years, and I get woke up at XXXX XXXX. She never stated the mini Miranda or stated the call wpuld be recorded and when I called back to speak with the supervisor she was rude as well. I will not be harassed for a debt I have no ties too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I think there are charges that I have not made on my card because the amount on the card doesn't match the amount of the deposits. I tried checking my online account, but I keep getting an error message and the system will not allow me to change my password. When I enter my username it says my password has expired. When I attempt to change my password, it says " my information doesn't match the demographics ''. I can not get transferred to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is attempting to collect on a debt That was last paid in XX/XX/XXXX to another collection company. The date of last activity was more than 7 years and should be reporting. The account Delinquency date reported on Credit File is incorrect its showing XX/XX/XXXX and it should XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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 XXXX XXXX, I received a phone call regarding a debt for an amount I had never been billed by a former landlord. I told the collecting caller I was contesting the debt, and they said they would send me a letter with next steps. This man was respectful and assured me the company would not report to the credit bureau without giving me a chance to formally dispute the debt. I did not receive any mail from them after this call. 
On XXXX XXXX, I received a second phone call. I told this new man I had never received any paperwork after the call on XXXX XXXX. This man told me a letter had been sent, then he berated me and threatened to report me to the credit agencies. He also refused to send debt verification. 
On XXXX XXXX, I called Fidelity and spoke to a very nice, professional man and explained that I had never received any paperwork but had received several phone calls. This man told me he would send me new paperwork. I finally received the first formal, written communication on XXXX XXXX. 
I disputed the debt in writing and sent two copies - one with tracking and one without, on XXXX XXXX. I asked them not to contact me again by phone and to send all further communication in writing. 
XXXX XXXX XXXX never responded to my letter. On XXXX XXXX, I received another phone call, despite the fact that I had asked them not to call me, as per my legal rights. 
Additionally, I found out the company had dinged my credit report twice. Once on XXXX XXXX, and once on XXXX XXXX - both occasions were AFTER I disputed the debt - however the debt was not reported as a disputed debt. This company is choosing to ignore both my request for no further calls and my right to dispute and is maliciously trying to hurt my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: LA
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 HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX/XXXX XXXX XXXX XXXX {$1400.00} XXXX - CARD SERVICE XXXX {$4100.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX/XXXX XXXX  XXXX XXXX {$5500.00} XXXX XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke to the person who called me and I told him that I just had XXXX and I have been out of work for 15 months due to an injury that occurred at work. I promised to start making payments as soon as I return to work.

Company response to consumer: Closed with non-monetary relief