BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On approximately XX/XX/XXXX ( and many times thereafter ), I had my credit reviewed by the VA home loan center. During the initial credit check, the collection account for XXXX through CONVERGENT OUTSOURCING was not listed. Furthermore, there was no indication of a past due balance owed to XXXX at any point until today XX/XX/XXXX. This debt collection agency purchased a 7-year-old debt for pennies on the dollar and is attempting to collect an inflated amount. Not only has the statute of limitations ran its course for this account, but it is currently listed as 'charge-off/ uncollectible ' with XXXX  How despicable does this agency have to be to firstly, fail in providing us a payment option if it were still collectible and secondly, failing to provide sufficient notice prior to this account being placed on my credit? Ultimately, they are hindering a home loan approval with their egregious attempt to collect on an already 'charged-off ' account. After speaking with and being transferred to several agents of theirs, we were met with uncaring associates and no options but to pay the {$330.00}. After explaining the proof of the legal timeline for this old account, the agents said they can only go by the dates they obtained it.

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 2019-01-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I reviewed my account statement for a Cabinet purchase financed through Synchrony Bank, and was surprised to see that my statement more than doubled. I intended on paying my entire balance in full on my previous statement, which was {$1100.00} and was surprised when I saw my statement was {$2400.00}. Upon calling Synchroncy Bank, the initial representative was extremely unhelpful and I quickly requested to speak with a supervisor. 

The supervisor stated that the new balance reflected interest calculated through the life of loan. The online payment system kept telling me a minimum payment, which I made double, sometimes even quadruple on a monthly basis with the exception of XXXX so that I would have a little extra money to spend for XXXX gifts for my loved ones. The system only reflected the minimum payment expected for the loan without the calculated interested that was building up. The supervisor said that the fees assessed reflects total interest calculated for the life of the loan to this point. 

Additionally, the APR on this credit card is 29.99 % which I was not aware was happening. I was making payments to the best of my ability, even through job loss and under employment with the intention of paying off the entire debt today. 

The balance now, with the APR makes it impossible for me to do so. The supervisor insisted that they could only waive a single fee- the XX/XX/XXXX interest, but could not waive anything else- the life of the loan interest. She also stated that there is no way to settle the debt or modify the terms to make it more reasonable. 

This company is directly violating the FDCPA by making terms unfair, deceptive and abusive. There is no way that this should have happened. Synchrony Bank did attempt to reach out to me via phone call but never once left a message. Their emails to me never once warned me about this promotion ending and started harassing me for missing a single payment even though I had always paid more than the minimum. 

Furthermore, the manager that I spoke with at Synchrony Bank gave me conflicting information about where the corporate headquarters is, stating that they only had a PO box and did not provide a physical location to mail any payments, should I agree to mail a settled payment.

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 monetary relief
Consumer complaint received 2020-08-02
Company: LEXISNEXIS
State: NC
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: Public record information inaccurate

Complaint:
On or about XX/XX/2020, I applied for a Mortgage through XXXX XXXX XXXX ( XXXX ) in XXXX, XXXX XXXX. On or XX/XX/2020, XXXX advised me that my loan application would be denied due to two liens that are being reported by Lexis Nexis Risk Solutions. The two judgements against me in the XXXX XXXX XXXX XXXX XXXX, case numbers : XXXX and XXXX are completely satisfied. Lexis Nexis Risk Solutions is inaccurately reporting that the liens have not been satisfied and thereby caused my loan application to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Credit Plus Inc
State: GA
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 filed a dispute in regards to the incorrect times on my credit report. I have submitted my disputes over 30 days ago. I still have not received any communication for the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Commercial Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, XXXX XXXX an attorney called me from CRS and Associates asking me to resolve a matter out of court. He then explained to me that there was a paycheck advance that took place in 2016 for {$500.00} or something like that. I explained to him that I was a patient at a treatment center called XXXX XXXX XXXX XXXX, which in 2016 it was raided by the FBI and the state of California, for XXXX XXXX dollars of insurance fraud, and the owner was charged with countless other charges including XXXX and giving clients XXXX. I myself was a patient of this treatment center and there were many other versions of fraud that took place at XXXX. I tried to explain this him and he told me that I can talk to the judge. 

Those 3 years a lot of things happened, and I was under a massive amount of stress, and I am not sure if I was even sober when making the phone call since the owner of the facility was giving us drugs at the time. 

This is very stressful, and I would like to see if I can handle this as I am in college getting my life together and I feel violated.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-14
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a credit card at XXXX  XXXX  using my name, social security number and an address from 12 years ago. 

According to the records obtained by XXXX XXXX XXXX, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by XXXX XXXX XXXX. I never received a credit card statement because of the fake address and never even knew this happened until XXXX began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report. 

I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by XXXX have taken a toll on me and my family emotionally and caused undue stress on us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent National Recovery Agency ( XXXX XXXX XXXX XXXX XXXX, PA XXXX ) a letter on XX/XX/2020 to verify this XXXX XXXX Hospital debt and I let them know the debt wasnt mine, but Its been over 30 days and I have not received any kind of correspondence. No call, no letter, no email. I would like this debt removed from my account asap. Its bringing down my credit score and Im not getting any kind of response to my letters.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: PA
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:
After review of my credit report, I discovered numerous Hard Inquiries that I never authorized.

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 2020-11-17
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called today to request forebarence or deferment of payments since my husband is now unemployed due to Covid. The company said they are no longer offering any " extensions. '' I told the representative that I thought all companies had to comply due to Cares Act if the loss is pandemic related, she stated that they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2020 Applied for Capital One Bank Card credit card to get extra credit for Walmart Purchases as I shop there a lot and responded to the add. I have excellent credit. Received a denial letter dated XX/XX/2020 saying that the XXXX  credit report had a derogatory public record, and etc. Printed the XXXX  Credit Report and show nothing wrong. The public record was discharged 10 years ago and have no late payments an a credit score of XXXX. Sent another letter to Capital One stating have no lates, public record is 10 years old, balances all in line, no adverse factors, and credit vendors run routine inquiries. Also, I have another Capital One Credit and no lates. I believed that Capital One is discriminating against me because of my old age. Tried to call them, but they are not answering the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 contacted First Continental payment processing Issued payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( 609 ) ( g ) ( I ) ( D ) to date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I refinanced my vehicle. The payoff has been received by my previous finance company and verified by my new one. This has been almost 2 months ago and the previous company has still yet to apply the payoff funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account is inaccurate and incomplete as there is no Name listed for this account and an FCRA violation. Account # XXXX The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file. Please see the settlement offer shown attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Signed agreement as Power of Attorney for a family member with understanding of the company that the family member was agreeing to the debt. Subsequently perused the debt to me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I have a XXXX  XXXX XXXX with a loan through WellsFargo Dealer Services. I have had my loan through them since XX/XX/2014, recently I began credit repair for myself. Disputes have already been sent and no changes. This company shows multiple 60,90,120 day late payments on my credit report. This company has been over charging my account for quite some time because of insurance fees even though I had my own insurance and they are supposed to be sending monetary compensation because of this. Collateral protection insurance is what its called. This company has been over charging me I would like for those late payments showing on my credit report to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Big Picture Loans, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I don't even remember accepting a loan with this company XXXX XXXX XXXX and I received a call saying they were coming after me for fraud. I asked them to send me a contract or some type of information and the lady told me no. She is a mediator and the call was to see how we can get the debt resolved. I told her the debt was not mine, she insisted that is was and would not send proof. I eventually hung up on her. She did state that the debt was from XX/XX/XXXX and I have not received any information regarding this prior to now. I have been at the same address since XX/XX/XXXX. The called me and threatened me through an automated system and told me that that served as notice and that if I did not contact them today, they were going to sue me and the call hung up. So, I returned the call, they verified my information and told me what I mention above. I don't know these people but they sure know me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Auto Trakk, LLC
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2021, but no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the item that are still reporting on my Credit Reports : XXXXBalance {$8600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not mine

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 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband used our online billing with our bank XXXX XXXX XXXX XXXX to pay my credit card bill. He accidently paid the wrong credit card - he paid {$5100.00} on XX/XX/XXXX to my CLOSED Bank of America credit card. The card was closed in XXXX. The bank accepted payment. I quickly called the bank to have the money transferred back to my bank account. I have a Service # XXXX ( phone XXXX ). It is now XX/XX/XXXX and I still haven't received my money back. I call the bank multiple times a week and they keep telling me " an additional 1-3 days ''. I received a letter dated XXXX saying the transfer is complete with a Claim # on the letter of XXXX. As of XX/XX/XXXX, my bank still has not received my money nor is there a pending transfer. 

Why would Bank of America accept this payment to a CLOSED account? Why not reject it? What is taking so long to return my money? 

They need to pay me interest and be fined for failing to return my money promptly.

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 monetary relief
Consumer complaint received 2019-01-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card was charged with something i did not purchase. I contact the credit card company and they said they were looking into it. In the mean time don't do anything. After a couple of months of this happening several times the issued was resolved but the credit card was reported as late payment for 120 days. I tried to have it fixed with the credit card company to remove that late payment but no response from them.

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 2020-06-30
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander usa, made arrangement with me on this loan, and then repoed the car, they would call my phone and tell me that I was going to XXXX  if I didnt pay my car note, they would call all thru out the day ring my phone and hang up and then call back and ring phone and then when I would tell them I spoke with someoen they would hang up on me. I had moved to Georgia when I purchase the car they didnt update my new address they kept sending stuff out of state which I resided in XXXX, GA never sent me an 10 days notice to pay the bill, or 10 days notice for my rights to get the car back, they kept all my items and sold the car. Then sent me a bill for the same amount of the car saying I owed it. When I asked them to provide me the information on how much they sold the car for and copy of my 10 days notice to regain the car back i never got any information from them. They kept hanigng up the phone on me and never trying to resolve the account except I owed. TO date they are reporting me negativly to the credit bureas on the car as though Im late and they charged this account off years ago. I demand they remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PNC Bank herein stated as " The Company ''. The company stated online and i have a saved printed copy that my next car payment will be on XX/XX/2020, now it appears that i have to pay immediately and/ or will face negative action.

Company response to consumer: Closed with non-monetary relief