BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My original debt was with XXXX XXXX XXXX  This debt was in XXXX. It went delinquent around XXXX and I as sold to a collection agency in XXXX and then again with this new agency Midland funding LLC. In accordance with the FCRAs guidance, this debt should have fallen off of my credit report already. I asked Midland for a statement of original debt as well as disputing this debt collection agency through XXXX XXXX  XXXX and XXXX websites. Yet, this debt collector still remains on my credit report. I need to have them removed due to the fact that the debt they are attempting to collect is well past time to be removed. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I wrote the  XXXX   Credit Burrows 50 ti mes sending them  XXXX  forms of ID that no bank will Verify m e two open a new account and the Credit Burrow docent respond or sends a Credi t Report so fore about a Year and half i have not been able  two Open a New Ba nk account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extend ed Alert i n my banking file and Im suppose d two call some Number  and call the Bank.   I have written all  XXXX   Credit Burrows two  remove the Hold on my account so i can G et a New Ba nk account.     The Federal Government determined me  XXXX  and my Mom Walked into   XXXX   XXXX   XXXX   forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and close d   XXXX      XXXX   XXXX   XXXX   XXXX  Accounts   XXXX   XXXX    XXXX  did n't close the accounts with Fraud i complaine d two    XXXX   XXXX   XXXX   XXXX  then sent  XXXX  of my ATM cards  two and   Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX  only 100 % respond its imposabl e two Comprehend .      Im  a Refugee living in  XXXX  and  have two move two a  new country every 3 months so I do n't use a Phone because they only work in  XXXX  country so i would ha ve two  Spend  XXXX  Dollars a yea r two D eal with the  Credit Reporting agen cy wants the ban k two call   me two open a  new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  two  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transf er Money two Verify Myself.        XXXX   XXXX   XXXX   XXXX  Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX   XXXX   XXXX   XXXX   XXXX  of the world and do n't wa nt two send    XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont wan t two R ight me Back in  XXXX  there is very little working mail.       Send the  Credit b urrow  XXXX  forms of I D 50 ti mes and they will only respond send ID

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 2019-12-20
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credence Resource Management , LLC Has been reported several times in regards to a matter with XXXX XXXX XXXX. I have reported them to you all and the credit bureaus. I have proof of everything. They have attempted to use a bill while I have payment receipts, emails of cancellation date, texts from the company. They have now emailed me without me giving them my email and permission. Ive stated to them several times in complaints that communication is to be through mail. Im shocked they would send an email after being reported. They randomly called me the first time asking information then lied about me refusing. Their tactics are very unprofessional and unethical. If they continue an attorney will be contacted because I have proof of requesting mailed communication and that theyre not abiding by this. There is also proof theyre attempting to collect {$540.00} which isnt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In Accordance with the fair credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.

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 2021-12-14
Company: Upgrade, 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 have contacted this company ( Upgrade Inc. ) multiple times regarding them reporting an account to my credit file that does not belong to me. It has been months and I have not heard or seen any change. When I try to contact them the number does not work XXXX. It is a shame and it needs to be handle as it is affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : I would like some help if I can get it. The service company I have for my mortgage is Nationstar Mortgage/AKA MR. Cooper Account Number XXXX. I have owned this home since XXXX. In which several banks and services companies have taken it over. I previously got behind in the mortgage in the amount of XXXX. I fell in the arrears because the occupants caused several thousands of dollars to my home including replacing the heat and air system. Plus several medical bills as I am a XXXX XXXX veteran exposure to XXXX  XXXX  and doing the best I can to solve all these problems. 
I sent Mr. Cooper XXXX In XX/XX/XXXX which I was sending another XXXX by they end of this week. Which brings me up to date with the mortgage. Mr Cooper advises that they will not except the payment even though they have already process the first XXXX and will not return it so I can't pay the full amount of XXXX. to bring the loan current. Instead they have sent it to an ATTY. XXXX XXXX in XXXX Georgia. inturn they are keeping my first XXXX and I can't pay the XXXX if they do not sent it back so I can sent them the full payment of XXXX If you research you will find hundreds of complaints filed against this company, along with a few government law suits against this company. This company is corrupt as the day is long I can't afford to loose my home as it has XXXX in equity will be used to get my kids through college Can you please help Regards XXXX XXXX XXXX XXXX XXXX XXXX Home Address XXXX XXXX XXXX XXXX XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Due to your insisting that a verification was made, I further researched this matter with my attorney. It comes to be that you lied on the last response. All you did was turn to a data furnishing company such as  XXXX   XXXX  or  XXXX , reading information off of a website and held that information to be verified and true. Since you said that you have verified the information, it should be easy to produce a few facts so I can personally go down to the courthouse and verify YOUR process wit h the county clerk. Please provide me with the following information : 1. The date and time you made the call 2. The name of the person you    spoke to 3. Verifi cation documentation referencing the call and the outcome.   Should you not provide me with this information within 15 days, my attorney and I are ready, willing and able to file a lawsuit against your company. I am going to publish the response you gave, that you have verified the information, to a public website whereby anyone reading it will file a suit against your company as well. I am also filing a complaint with the attorney general to prove my case.   What interests me the most is the fact that on the attached credit report, in the space where it says " court '' you left it blank. Which means you are providing false information. Remove this bankruptcy immediately to avoid embarrassment and monetary loss.

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 2022-05-01
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital keeps sending me letters to pay a debt that is not mine. I had filed a complaint on this site on XXXX, and they responded with a letter on XXXX stating they would not contact me again and had deleted my address. Today ( XXXX ) I received another letter from them with the same tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CR-MPM, LLC dba Don Carro
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I financed a car with Don carro, and was told I can drive off with the car with a deferred downpayment. I agreed to the offer. I put w downpayment of XXXX down on XX/XX/XXXX. Due to financial hardships due to covid and also other life hardships I was unable to pay the deferred payment of {$300.00} that was due on XX/XX/XXXX. About a week later it was repossessed. I want to ensure this doesn't go on my credit for the little time I did have with it. I feel as if I was screwed in this deal. I at least want my down payment back or " ( credit ) ".

Company response to consumer: Untimely response
Consumer complaint received 2020-05-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
see complaint id XXXX submitted to provide id theft affidavit

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 2017-04-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan from boa was sold to pennymac c around  XXXX  of  XXXX .  Yesterday   XXXX   XXXX   XXXX  I asked for a copy of payments for life of the loan. Pennymac said they would have to ask boa for the records when they owned loan. I thought all records are to forwarded to new loan owner when they acquire ownership? I was in foreclosure with boa but it got paid. Now I see pennymac has all the fees and costs on my account with pennymac.  XXXX  took me to court notpennymac

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a company called XXXX XXXX XXXX. They had me send them money for a XXXX puppy using XXXX which goes through JPMORGAN Chase bank for me. I sent an initial payment of {$500.00} on XX/XX/2022 and then a second payment of {$400.00} on XX/XX/2022 using XXXX. I found out it was as a scam on XX/XX/2022 when they tried to get another company to scam me called XXXX XXXX about an XXXX dog crate. I asked the gentlemen XXXX XXXX for a refund since I couldnt pay for the shipping. He eventually stopped responding. I reached out to JPMORGAN Chase bank and they said because it was XXXX they couldnt help me. The gentleman on the phone even after I cried for a few minutes repeated himself to make sure I heard him that there was nothing he could do and next time use XXXX or my debit card. He said they could not refund XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted twice to have them validate the debt. 

They sent me a bill. which stated I was past due from XX/XX/XXXX. 

The Account they were attempting to collect was over 5 years old. 

They did not respond to my second request sent Certified mail. 

# XXXX received XX/XX/XXXX they failed to respond in the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on  in 2014. T his debt is past the statue of limitations and over  XXXX   XXXX   XXXX . Experian did an investigation last year and did nothing. The original default date is incorrect, but it sh ows 2014. E xperian refuses to investigate again and will not let me dispute this inaccurate 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 non-monetary relief
Consumer complaint received 2019-12-20
Company: Diversified Adjustment Service, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor was XXXX who attempted to charge us for a months worth of service that was never provided as the service was terminated due to poor service from the company and moved to a new provider. 

XXXX had sent a final bill over a month after leaving them claiming we owed them for a full months worth of service that was never provided. They then claimed we agreed to be billed for a full month even if cancelled. I asked them to provide me with such a signed agreement and to date XXXX has been unable to provide any proof other than bills issued after that date showing the balance. 

XXXX then sold the debt to Diversified Consultants who attempted to place this bad debt on our credit report. Both agencies removed it immediately. Then they either reposted it using Diversified Adjustments ( which is likely the same company ) or sold it and was reposted by this new agency. It was again immediately removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Netspend Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/2022 someone stole my card and caused me to overdraft my account. Once reported with this bank I also provided police report and the card was canceled and reissued. 
With the assurance from the bank once it was found in my favor the over draft fees would be refunded. Not once did this occur. Within 20 days the cased was closed in my favor but the XXXX dollars in overdraft were not refunded as promised. I contacted customer support and the assured me they would credit me. By XX/XX/XXXX no credit yet additional fee have been applied as promised yet as of the XX/XX/XXXX I now have XXXX in fees taken from my account each time they assure me it be corrected I find additional fees applied no credits. I'm on XXXX I cant keep having them take more and more of my direct deposit the hardship it is causing my family continues I don't know what else to do. I fear another call because each one has only increased overdraft fees. 
Please help me resolve this issue.

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 2017-04-18
Company: VW Credit
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got married in the   XXXX   o f 2016 and  am in the process of updating my legal name. I am currently trying to update my name, loan, title, and registration information with or throu gh Volkswagen Credit and after 2 me ssages with their online portal  and 4  phone calls  with 3 different representatives ( 4+ hours o f phone time ) I have been unable to get clear information on how to update my legal name on my  title ( updated title information is required to get my registration updated in my state ). The first representative told me to wait until my car was paid off ( 2.5 years ) to up date my legal name and failed to give me name change paper work for my online portal and instead instructed me to send in my marriage certificate with out any accompanying paper work to update all my account information. I asked this first representative if this was the official process as it did n't seem sufficient to update my portal information and title/registration and I was assured it was fine. After I found my name was not updated correctly in the portal I called again, and my second representative, informed me there was official VW paper work for the process of name change for the online portal and title/registration. I was told I needed to fill out this new paper work, get it notarized, and then fax the paper work back in. When I asked if faxing the documents was sufficient considering a notary was required, I was assured this was would be fine. Two days later I received a call back from this second representative telling me I could n't fax the paper work it must be mailed. At which point I insisted someone must check the paper work I submitted via fax to make sure it was complete before I went through the trouble of sending in notarized documents. I was told she would call me back. She later emailed me blank forms that gave me no indication if my paper work was completed correctly. At which point I called back and spoke with a third representative. I spen t one mo re hour on the phone with the third representative where she was able to explain details of the paper work the second representative could not. Unfortunately, following many questions I had with the third representative I was still unable to clarify exactly what my next steps would be to finish the name change process for my title and/or registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In  XXXX   XXXX  The IRS notified me I had not reported interest income from CIT Bank for tax year  XXXX . I checked my records and they were correct. I had NOT received a form  XXXX  form from  CIT B ank. I made payment.     I called CIT and reported not having received the  XXXX  for tax years  XXXX  and  XXXX . Of course my  XXXX  tax return had already been filed, and without t he CIT Ba nk interest reported. CIT then sent me the missing  XXXX . In  XXXX  they did send the  XXXX  for tax year  XXXX  as it should have been.     In  XXXX   XXXX  I received IRS notice that I had not reported interest income from CIT Bank for tax year  XXXX , the second year I had failed to receive a  XXXX  form from CIT. This bill included {$860.00} plus {$38.00} interest. Included was {$430.00} penalty.     Predictably, CIT says they sent the  XXXX  so I suppose it is just my word against theirs. However, I received  XXXX  or more  XXXX  every year and because the CIT was for a CD and not a account with active transactions I did not miss not receiving it, or have reason to look for it. I simply did not receive it. Not receiving the  XXXX  from CIT for two straight years but never having had a problem with any other  XXXX  takes this beyond mere coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: DHI Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I do not have a credit score because I do not have debt. I have paid for everything in cash. DH Mortgage told me I either need to get a credit card or pay in cash. The FHA loans do not require a credit score and it could be done with manual underwriting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2019 I called Chase to report fraud in my checking account. Large sums of money were being deposited into my account and then being removed from it via XXXX XXXX. They informed me that they would close the account and then that they wanted to " terminate our relationship '' and said I could no longer bank with Chase. 
I found that to be ridiculous unless they assumed I was guilty of the fraud ( if so, why would I report it..? ) so I went to my local Chase branch and spoke with the manager about it. He agreed it was ridiculous and we sat together on the phone with corporate for over 2 hours until they finally agreed to open me up another checking account. 
Fast forward 2/maybe 3 weeks ( the week of XXXX ) and all of a sudden I can not log into my online checking app. I called Chase and was informed that after a final review, they are ( again ) terminating my relationship with the bank and I am no longer welcome to use Chase. I once again went to my local Chase branch only to be told there's nothing they can do, and that they are allowed to withhold my funds until their review is through. They are also not disclosing why my account was closed and " reserve the right to not have a reason ''. So I have no access to any of my past paychecks nor do I know when/if I will ever get that money back.

Company response to consumer: Closed with explanation