BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
We completed a previous dispute under XXXX. 
Complaint is about fraudulent debt XXXX that was taken out fraudulently and owed to USAA. Here are the facts of the case. We completed a fraud packet, provided police report, proof of address, identification and a complete history that we had about the fraudster and their address history from a XXXX report and continued fraud claims in victims name. Consumer has been disputing this with USAA since XX/XX/XXXX. XX/XX/XXXX, XXXX stepped in with POA to try to resolve. XXXX resubmitted all documents certified mail for consumer. USAA has acknowledged the proof of the fraudster and their history and and are aware that someone else is using their identification. USAA fraud has had file from XXXX since XX/XX/XXXX has been contacted 15-20 times by consumer and XXXX to try to resolve matter, to which their only response is, someone will look into this and call back. You are never provided any point of contact and often they leave you on hold for an hour. They never call back. They dont investigate and resolve the matter and the debt has been sold/resold to collection agencies. We had one collection agency dismiss debt, but USAA has failed to do so. USAA has had the details of identity theft and alll pertinent documents for more than a year and are violating consumer protection laws. They have failed to discharge the debt. Consumer is getting new calls from new collection agency about debt as of XX/XX/XXXX. USAA is failing to comply with Fair Debt Collection Practices and continuing to try to collect on a fraudulent debt they are supossed to be investigating. The debt remains on victims credit report and from what we can tell no investigation been completed. When the last CFPB complaint was last filled out they sent a Consumer Report Dispute form and we resent all the documents certified on XX/XX/XXXX. It has now been over 60 days and they still continue to report this debt and collect on it. This is not the first case XXXX has had with victims and attempting to work with USAA and the treatment has been the same on the cases.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: Professional Debt Mediation, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Simple. Apparently, US Bank has realized I am tired of receiving demands for {$0.00} for the current month when in reality I am nearly three ( 3 ) fully months ahead on my payments. My solution is really quite easy, and apparently, I maybe correct that those in processing have no idea what those in charge of the Fraud Department are thinking or doing, respectfully said of course. Because my most recent payment coupons are now labeled correspondence instead of indirect lending. 

So, I scanned and maintain a payment coupon in my index, and I adjust it accordingly because US Bank consistently and continually fails to issue a current ( again I am no less than two ( 2 ) months ahead so currently my ) payment coupons this payment is for XX/XX/2023, but what I get from that bank is for XXXX and a {$0.00} demand. Moreover, my Credit report is delinquent of facts necessary for anyone to fairly assess my creditworthiness. This is apparently a system wide problem as it happens to me in every banking debt I have. 

I bet if I was in default, they'd surely have that information readily available, which I may begin to elect to do so as to get the matters in for judicial review on the lenders dime as I possess each and every checking & banking statement for the past six years along with eft 's and all other information including handwritten ledgers. I contend this is a violation of the Uniform Commerical Code and may well be ripe for Jury Review and full unfettered ownership of that RV because of the prejudicial and dilatory actions of the creditors, same is currently under review.

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 2020-08-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted all credit companies and creditors about these accounts that I have no knowledge about, Ive requested these to be removed many times because it is having a bad impact on my credit score and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To whom it may concern. My name is XXXX XXXX and Capital One filed a suit against me on XX/XX/XXXX. Capital One and Its Attorney 's XXXX XXXX XXXX XXXX XXXX XXXX filed a suit against me without me being able to dispute the validity of the Debt. No Demand letter was sent out from the firm prior to filing suit. In addition, from XX/XX/XXXX to XX/XX/XXXX Capital One violated my rights under the FDCPA numerous times and contacted my brother on the debt. Capital One responded on XX/XX/XXXX and acknowledged that they contacted my Brother in error even though I revoked authorization to use his email as a form of Contact. Attached is the response from Capital One showing that they did contact My brother without my Authorization. Capital One then tried to downplay the Severity of the FDCPA violation and offered a small credit to the account instead. I do not accept the resolution givin and especially now that suit was wrongfully filed against me. In all fairness in light of Capital One 's FDCPA violation I will not take any Legal Action on this Violation if Capital One agrees to Dismiss the Suit With Prejudice. Please note Authorization was revoked to contact my brother email address regarding the account on XX/XX/XXXX, Capital One then contacted my brother numerous times after resulting in multiple FDCPA violations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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 submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My daughter was recently involved in a car accident, the result of which was her car a XXXX XXXX XXXX has been declared a total loss. 
At this point, the leasing company, Ally Financial has unilaterally terminated the lease agreement and has refused to pass the surplus funds that they have received from the counterpart 's insurance company ( XXXX ) to me and therefore illegally profit from my financia troubles. In fact they have received every payment on time and I have offered to pay also the residual 11 monthly lease payments in advance, so that Ally would get all the funds to which it was entitled under the term of the lease agreement. At the same time I would have preserved my right to buy the underlying car for the contractually predetermined amount of {$13000.00}. 
Instead Ally has decided to keep also the {$10000.00} surplus, part of the total XXXX settlement of {$27000.00} for themselves, without any other justifications that this is what the clause 39 of the lease agreement is stating, even though this is clearly unfair and I would personally deem illegal. 
It is like a mortgage company foreclosing on a house for lets say aXXXX loan sells the house , gets {$150000.00} and just decide to keep it all, without returning the surplus funds to the debtor/owner. 
As things are right now, Ally Financial is booking an unjustified extra profit of {$10000.00}, while I had to suffer a loss of the same amount after buying a similar car, a used XXXX XXXX XXXX with 38k miles, versus only 16k miles, at the cost of $ XXXXplus fee instead of {$13000.00} I do understand that the car weas not registered in my name, as it happens in every lease agreement, but it still represent the collateral of the lease agreement and it should be treated in the same way as every other collateral given against a loan, i.e. when the loan has been fully satisfied, the collateral or its residual value is returned to the performing borrower. 
I would add the fact that I was the one negotiating the car price on XX/XX/2020 and the one who got a discount of about {$6000.00} on the dealer 's price because of thegood market tim ing and excellent personal credit rating. 
I strongly believe that I have the right to get the overflow amount of the collateral that Ally has egoistically decided to keep for itself by appealing to the clause 39a, which should also be scrutinized as fully complying with the consumer law. 
I make myself available for any questions or further information you may need to investigate the issue, and I thank you in advance for any help or suggestions that you will provide me in resolving the 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 2023-01-04
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have attempted to contact XXXX XXXX in regards to this debt. Ive even attempted to dispute it on their website multiple times. They call me more than 10 times per day. I asked them to correct the website or take the bankruptcy case #. They refuse to buy continue to ask for my address. I spoke to 3 people in one day without any resolution. Theyre trying to make me miss the 30 day dispute period which is XX/XX/XXXX. Her is the case # with IC systems XXXX {$3100.00}. This was included in my bankruptcy which was discharged in XXXX of XXXX. My Bankruptcy case # is XXXX XXXX. I want them to stop calling 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 2019-05-28
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had the credit card XXXX XXXX XXXX XXXX approved by PNC Bank on XX/XX/19 and everything was paid on time and I met all of their terms and conditions ; then all of a sudden I receive a letter dated XX/XX/19 from PNC that this account has been closed immediately based upon info they received stating " NEGATIVE PUBLIC RECORD '' .with no notice as to where this incorrect info came from.This is completely incorrect as I monitor all the credit bureaus religiously ; XXXX   and XXXX thru XXXX XXXX and the other XXXX directly and their is no notification as such as PNC states.I was put in touch with PNC rep after numerous complaints requesting the name of the credit source who disclosed this and was rebuffed by each person I spoke to. 

All I want to know is the source of this incorrect information ... ... ... .is it XXXX XXXX XXXX or XXXX ? 

Please help me with this request as this is an abuse of the Protection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accordance with the Fair Credit Reporting Act XXXX Account : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 a 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 2022-09-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was opened in XXXX. It been open for 8 years so far. This collection shouldnt be on my credit report, the collection agency said they purchased the collection in XXXX, how they did purchase a collection after 5 years it been open & reported to my credit report, I think the amount its incorrect, I called and I ask about the record from the old agency that they bought the collection from. They told me they cant I provided me with anything because they dont have no record from the old company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Dear Executive office ; How are you doing during this pandemic? I'm sure during this pandemic we all got affected tremendously, however, I was shocked and surprised to find out the late payments remark on XX/XX/2020 for 30 days. I found that when I was reviewing my credit and on my credit report between the 3 bureaus, it keeps showing different information. 

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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I originated this loan with Green Tree XXXX in XXXX with my first payment XX/XX/XXXX. Its governance has since moved to Ditech XXXX. I wonder if this was a bad loan at the time with, perhaps, fraudulent intent. We have been paying off the {$52000.00} loan for 13 years now and have only paid it off to {$42000.00} which is {$10000.00}. This hardly seems correct. I have asked DiTech if we can lower our interest rate, but they say they do not have any programs to do so. My husband has incurable XXXX ( XXXX XXXX ) from his time stationed in the XXXX at XXXX XXXX, so there must be a program to help pay this off faster than it is going now. It does not make sense that we will end up paying double the amount we applied for. I am always wary of paying more on my monthly bill with the practices I see at DiTech. I don't trust they will apply the funds correctly to our benefit. 

I've attached the most recent payment history and looked at the payoff quote compared to last year 's payoff quote. 

XX/XX/XXXX payoff is {$43000.00} XX/XX/XXXX payoff is XXXX Again, how is this possible? 

As I said, I am not sure what is wrong, but after hearing how GreenTree and DiTech have been accused of fraudulent loan practices, I would like to find out how to discharge this loan by applying the payments we have already paid and canceling this loan legally. Again, I do not want to enter into bankruptcy, but somehow institute new rules in order to get this loan paid. 

Thank you in advance. Files are attached. 

Best, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NY
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 fair accordance with the fair credit act XXXX Account # XXXX from XXXX XXXX and also account # XXXX from XXXX XXXX has both 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020-started our mortgage process with DR Horton XXXX XXXX - applying for a va loan ( husband is XXXX XXXX military ) -our anticipated closing date is XX/XX/2020 XX/XX/2020- refinanced one of our vehicles to help with our debt to income ratios. $ XXXX/month to $ XXXX/month. In addition pay off a small credit card balance. Done. 
-At this point things seem to run smoothly Communication between all parties have been flowing. 
XX/XX/2020- Confirming documents, asked clarification for student loan debt ( {$4600.00} ) if it will affect our mortgage approval. Our loan team said no. 
XX/XX/2020-Our closing disclosures have been signed and sent back to the loan officers we are waiting further instructions regarding closing day details. 
XX/XX/2020- Our loan officer called us saying we need to pay off the student loan listed above. 2 days prior to our closing date. At this point I think they were forcing a scar tactic on us to just walk away. However they said the VA underwriter flipped our loan from approval to conditional due to this one debt not being payed off. In the email they sent us was to create a money order for {$5.00} to pay off the student debt. Obviously this amount doesnt match the loan amount above. Due to this new requirement for us to close they insisted we bring our form of payment to the close on XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX We were not given new closing disclosures to sign and send back. 
XX/XX/2020- I wrote the loan team back asking for new disclosures to review the closing amount. 
XX/XX/2020-Loan teams response was they couldnt send them out to us by the end of the business day. 
XX/XX/2020- Our loan was approved again. Still no new disclosures and were told to bring a check to closing to cover the debt. The loan company will write their own check to the student loan company and pay it off.XX/XX/2020-Closed on our home. We brought a cashiers check for {$4700.00} to the loan company. Given a check back for the remaining balance was not used for {$730.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
UDAAP violation from Synchrony Bank through their online banking platform. 

I made a payment through Synchrony Bank online banking which showed that I was due for XXXX XXXX. This was on the XXXX of XXXX. 

Thursday XXXX XXXX I was sent an email from them saying I missed my payment. Friday XXXX XXXX I was sent a text from them saying I missed my payment. 

XXXX XXXX XXXX I was able to call Synchrony Bank. The automated system said I was due for XXXX XXXX. Although the automated system and a phone representative said I was due for XXXX XXXX payment. 

If I did not pay until XXXX XXXX I would have a credit report. They did give me an e-mail and text but they were in direct contrast to what their online banking, automated system, and employee told me I was due for. 

This is a deceptive practice.

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