BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I sent XXXX a debt validation letter. 
XX/XX/XXXX Resurgent Capital Services sent me a letter along with one statement and a Account Summary that was prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. They made it very clear that the account summary was not from the original creditor. 
XX/XX/XXXX I wrote Resurgent Capital Services. 

XX/XX/XXXX Resurgent Capital Services responded with the same exact letter they sent XX/XX/XXXX. They have ignored my dispute that I sent them directly notating all the violations they have committed. 

The paperwork Resurgent sent me directly claims they have acquired the alleged debt on XX/XX/XXXX but claims that the last payment was made XX/XX/XXXX. I've never paid a dime to Resurgent, but they claim I did 2 months after they acquired the alleged debt. at the time of the acquisition the alleged debt was for {$1300.00} but the current balance reads {$1200.00}. There paperwork reads that a payment was made or a credit was applied of the amount of {$110.00}. all these allegations are false and I believe resurgent is practicing illegal procedures. what date was this alleged payment or credit applied to the balance? it is illegal to alter the original balance that was charged off and if they claim that a payment was made then how was the alleged payment processed? I want to see the exact transaction. in there response letter they also notate another collection agency named XXXX XXXX XXXX saying they have received correspondence regarding the verification on this alleged debt. why is there another entity being notated in a letter that has nothing to do with resurgent or this alleged debt? when it comes to there dunning letter they sent me Resurgent is trying to collect on a debt that I owe to LVNV Funding LLC. now I believe LVNV funding and Resurgent are possibly under the same umbrella but the fact that they make it seem like XXXX is a original creditor is a violation. A debt collector can not be a original creditor. Resurgent has also failed to notate the full account number in there dunning letter. in conclusion Resurgent or LVNV funding or XXXX XXXX XXXX has NOT properly validated this alleged debt and they have violated the FDCPA on numerous counts. Resurgent has altered the original charge off balance that could have possibly re-aged this account. resurgent has falsly accused me of making a payment to there agency 2 months after they acquired the alleged debt. Resurgent claims that XXXX is the original creditor. Resurgent has threatened to return this account to active collection even tho the alleged debt has not been properly validated and is time barred. Resurgent has inserted another company XXXX XXXX XXXX in there correspondence. Resurgent is illegally trying to collect this debt under my name without any verification or contractual agreement that was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: DISCOVER BANK
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased tires from XXXX and also purchased the installation package ( to be completed by their technicians ) and road hazard with my Discover card. The next day on the way to my cabin I encountered turbulent handling and loud road noise. I took the vehichle to the local mechanic who said the tires had been inproperly installed and 2 had not even been weighted ... VERY dangerous. I spent a week going back and forth with XXXX and the very rude Manager at the location who advised me to " bring it back in '' obviously I could n't since it was over 200 miles away ... I had the shop make the corrections and rebalancing which I paid for with my Discover card also. 

I contact Discover to file the dispute and they have been unprofessional, unresponsive and yesterday forwarded me a notice saying the charge was valid and attached a reciept from XXXX with my signature ... DUH!!!!!!!!!!!!!!!!! The issue IS NOT my card was used fraudulently, it is that the services I received were unsatisfactory and quite frankly life endangering. Discover did not handle this properly and I will not pay this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants h ave placed on all   XXXX   of my credit bureaus a collection that is not mine. I have called and asked for any information they  may have such as a contract etc showing it is mine and they have refused only sending me a letter to send them a copy of my SS card and Drivers Lic. so they may ve rify it is mine. This is violating my credit report and causing me grief. I have also disputed this 4 times and they will not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Dovenmuehle Mortgage, Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I entered into a loan modification because I was not able to go back to my pre-COVID job The job I have now pays 50 % less than the one I had for almost 30 years. In fact, I am in a totally different field since I am unable to do the work I did previously I was not in foreclosure when I requested the modification I received notification that my payments would be on a 4 month trial and if I complete the trial, I would be on a modification which was worse than I had previously but I was told by the company to take the modification or refinance. I could not refinance so I took the modification, I paid the first two payments by rapid pay through their phone system. They then reported me to the bureau for being late. After that fiasco, I overnighted the payments which were worse, they received it by the deadline but refused to credit it timely. They were received by the due date but never credited on time so they reported me again and my wife. This company Dovenmuehle does this to me all the time with a previous loan, I'm so sad XXXX ( I never had this happen with XXXX ) sold to XXXX XXXX who uses this servicer. I tried to resolve the matter by sending the servicer a notice of error See attachments They fixed the error once but then again trashed my credit Im still waiting on accounting for the lump sum payment they received in XX/XX/2021. I think this is retaliation for a previous reporting to this agency for their tactics This is all a violation of the FRCA. The account was supposed to be frozen during this period and now I checked my credit to see that they are saying I owe them over {$7000.00} after paying the four reduced payments. How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: AR
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 filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2017-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received an overdraft fee from Bank  of American  on  XXXX  saying my account was overdrawn. I have a pdf of my online bank statements that shows based on what Ba nk of America  was showing me that I had sufficient money in my checking account ( as well as  XXXX  in my saving that I easily could have transferred over if I was in fact close to being overdrawn ). Talking with B of A they informed me that what I was seeing was my " statement balance '' as opposed to my " actual balance ''. If you look at the pdf, it states that it is showing my " actual balance '' and not my " statement balance ''. This seems like a deceptive practice that even the B of A person I spoke to admits is " happening to a lot people ''. This practice needs to be reviewed and I believe is set up to increase the amount of fees B of A can collect

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello. In XX/XX/XXXX I owned a XXXX XXXX XXXX vehicle. That vehicle had broke down in XXXX, FL and I had it towed a dealership called XXXX XXXX XXXX. XXXX XXXX XXXX would not work with me to setup a payment arrangement because at that time I had also lost my job due to Covid. So I had a monthly payment due as well as now the vehicle needed repair. I immediately sent an email back to the manager on XX/XX/XXXX advising them to pick up the car because I could no longer afford the payments. Please see first email attachment. The balance on the car at that time was a little over XXXX owed. I also spoke to the same manager over the phone and they also confirmed they will be sending someone to that dealership to pick up that vehicle. I then called the dealership and advised them to NOT work on the car since it will be picked up by XXXX XXXX XXXX Well months go by and I never heard another word from anyone. I just assumed the car was picked up. I was just waiting on the final deficiency balance to arrive in the mail. Well toward the end of XXXX early XX/XX/XXXX I started getting calls from XXXX XXXX XXXX looking for the car. I was soooo confused then followed by a letter in the mail stating XXXX of XXXX XXXX SOLD the car at an auction. How is that possible?! I then received a call from a tow driver asking when will be a good time to pick up the car? We are like 6 months into a new year and the car should have already been picked up but XXXX never picked up the car. I then forwarded a copy of the auction letter over to the tow driver who then stated he will be reaching out to XXXX XXXX XXXX since it showed he was looking for that car in my possession. Please see second screenshot of the letter. A few weeks later in mid XX/XX/XXXX I then received another call from someone in collection at XXXX stating I will owe the balance of XXXX ... .How the balance jump from XXXX to XXXX? That is not right. According to the law I was under the impression the car would be sold and I would pay the difference which is called a deficiency balance which should be way lowered than the XXXX... So XXXX XXXX XXXX has NO CAR to sell but yet displaying that full balance on my credit report. That balance is inaccurate and I need representation to get some help with clearing up 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 non-monetary relief
Consumer complaint received 2017-08-29
Company: Advance America, Cash Advance Centers, Inc.
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Monday XXXX XXXX, XXXX, my mother received a call from XXXX XXXX regarding a collection that they have for me. They left a voicemail saying they were wanting to know how to locate me. She said she was from the XXXX XXXX XXXX XXXX there is legal litigation being filed against you. 
She said it was court case # XXXX & their phone # is XXXX. 

On Friday, XXXX XXXX XXXX. They proceeded to contact my spouse and he missed the call. A voicemail was left advising him that they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement. 
I attempted to return the call, received a voicemail that was full and unable to accept messages. 
They then contacted my husband 's ex-wife. They released the same information to her, advising her they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
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:
To whom this may concern Navient is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My citizens bank account in 2011 was hit by a payday loan firm multiple times a day causing me to achieve overdraft fees of over XXXX dollars. I asked the bank to freeze my account so this would not happen and they told me they could not because I was at a negative balance. I had to get a law firm to send a letter XXXX the put my account on a freeze. By then it was XXXX dollars in the hole and not a single penny was a result of an overage. Every single cent was b/c of nsf charges so this cost the bank XXXX dollars but is still on my chexsystems report. Its killing me on getting a car loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A bank that gave me a deposit slip on XX/XX/XXXX confirming receipt of checks and cash totaling {$2300.00}, today notified me that they're debiting my account by {$1400.00}. 

I'm the XXXX of a XXXX XXXX XXXX XXXX XXXX organization that banks with XXXX and as XXXX I regularly make deposits in person at a local USBank branch following events that the organization holds throughout the year. I always keep an XXXX spreadsheet with a breakdown of the deposit that identifies each check being deposited and the number of each kind of cash bill being deposited and I have copies of almost all such deposits going back to XXXX as Ive been XXXX all those years. 

On XX/XX/XXXX, the organization had a luncheon for seniors event where the charge to attend was an even {$20.00} per person. About 125 people attended the luncheon ( we were only charged for XXXX ) and we collected some payments in advance but most people paid at the door. On XX/XX/XXXX, I made an in person deposit at the bank totaling {$2300.00}, consisting of ten checks totaling {$590.00} and cash totaling {$1700.00}. The {$1700.00} cash breakdown was all in bills, XXXX XXXX, XXXX XXXX and XXXX XXXX. I received from the bank teller a stamped deposit slip for {$2300.00}. 

At least 2-3 weeks later, the bank called to tell me that there was a discrepancy in the amount of cash received and especially in the number of XXXX deposited that day. I told them that I was absolutely sure that I deposited XXXX XXXX dollar bills and suggested they check their camera footage. Over the following couple of weeks, they called again 3-4 more times and I even sent them a copy of my spreadsheet showing my deposit breakdown, etc., and pointed out that my file folder date and timestamp on that spreadsheet file was for the day and afternoon before the deposit was made. 

Today they called again and I asked them to send me an email as I was getting frustrated with all the calls. The email today says We will need to debit {$1400.00} from the account ending XXXX since we did not see XXXX bills of XXXX on the date of XX/XX/XXXX. 

That email also raises another issue for the first time : " I dont see any large cash deposit on the account ending XXXX for past few years, so wanted to check why only this time you had large cash deposit. '' She obviously didn't check my XX/XX/XXXX cash deposit totaling {$1500.00} ( which included XXXX XXXX! ), a XX/XX/XXXX cash deposit of {$1100.00}, and another cash deposit for {$1100.00} a month prior on XX/XX/XXXX. That's after just a quick glance through some deposits, but I'm sure they didn't realize that I keep copies of them all! 

I hope you can resolve it before I have to involve an attorney and the media.

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 2022-03-03
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About a month ago, I disputed my credit card account with Discover almost a month ago and I havent received a response from them regarding my dispute. There was a billing error in the form of a computational error that I discovered on my credit cards periodic statement, pursuant to 12 CFR 1026. 13 ( a ) ( 5 ). The billing error appeared as being very false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
my late wife XXXX XXXX had a double cash awards card in her name and my name XXXX XXXX as her spouse. she passed on XX/XX/2022 and had cash awards due her in the amount of {$580.00}. I have been trying unsuccessfully since approximately XX/XX/2022 to collect the awards and citi double cash awards card refuses to pay. I was told the cash was forfeited when the account was closed by a letter I received on XXXX XXXX. 
I have made numerous calls and have been lied to by all of the representatives I conversed with. the last four representatives told me I would receive a letter stating I would receive a check and then the check would be mailed shortly and of course I have never received a letter.the last one I spoke with was on XX/XX/2022. two of the representatives told me the check was in the mail. 
I complied with all their requirements they requested by mailing a copy of the will and a death certificate. they stated they did not receive items. I then faxed a copy of the will and the death certificate and one representative stated they had them. I was told when I closed the account I would be receiving a check that was due 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 monetary relief
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested validation and verification of an item being reported by a collection agency. They have failed to provide the requested items in my dispute letter to validate this debt. The first letter was sent certified mail and they received it on XX/XX/22. They replied with a generate response of " they verified '' the debt is mine so another letter was sent, certified, to them on XX/XX/22 and they received it on XX/XX/22. Per Federal Trade Commission 's guidelines, no proper debt validation has been provided.

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