BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB Case No. XXXX LVNV Funding LLC , d/b/a Resurgent Capital Services L.P., in response to your query on my behalf ( re : your case number annotated above ), agreed to " satisfy the account for {$9100.00}, '' as long as I rendered a payment by XXXX XX/XX/XXXX. In compliance, I submitted the first payment in the amount of {$200.00} ( via direct debit - telephonically ), XXXX XX/XX/XXXX. After the initial payment was made, I authorized the collection agency to make recurring automatic deductions from my bank account in the amount of {$150.00}, on the XXXX of each month ( XXXX 's deduction was in the amount of {$160.00} ). The recurring automatic deductions continued without interruption, through and including, XXXX XX/XX/XXXX, bringing the total amount paid to {$4100.00} I made an additional payment of {$1600.00}, XXXX XX/XX/XXXX, bringing the grand total paid to {$5800.00}. 

Based on their documented agreement to satisfy the debt for {$9100.00}, less my total payments equating to {$5800.00}, the remaining balance is {$3300.00}. However, the collection agency continues to erroneously report the outstanding amount as {$7400.00}, on my credit reports, and seemingly intentionally refrained from documenting the scheduled payments on one of my credit reports ( XXXX ). 

Furthermore, every time I telephonically asked the collection agency 's representative why the settlement amount was never documented on my credit reports, nor via any of the " payment received '' e-mail transmittals, I was consistently informed that the settlement amount would only be reflected after the entire amount had been paid. 

I decided to stop making payments based on my belief that they had no intentions of honoring the initial agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C1681 section 602 A. States i have a right to privacy.15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. Federal Law overrides any company policy. 
NAVY FCU account number XXXX NAVY FCU account number XXXX NAVY FCU account number XXXX XXXX  account number XXXX XXXX XXXXXXXX account number XXXX XXXX  account number XXXX XXXXN account number XXXX XXXX account number XXXX XXXX XXXX ( original creditor : XXXX XXXX  XXXX BANK XXXX XXXX A ) account number XXXX XXXX account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: NAVY FEDERAL CREDIT UNION
State: MS
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:
YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a XXXX! XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I DEMAND YOU REMOVE the following information from my consumer reports immediately ; Navy Federal XXXX XXXX opened XX/XX/XXXX for {$1100.00}, Navy Federal XXXX XXXX opened XX/XX/XXXX for {$27000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I found a collection record in my credit report for {$35.00} without any notices from XXXX XXXX XXXX in XXXX XXXX 2014. They said the only way to remove it from my report is to pay if off. I paid it off but it 's still show in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a XXXX account back in 2017 I borrowed XXXX from XXXX. I was put in the hospital and got behind on payments this XXXX they called me on a recorded line. I refinanced my loan with them for XXXX with no interest. I am making XXXX payments a month. They told me they would correct my transUnion report to show this I have been calling them for the last 3 months. Now they tell me I have to dispute it and when they hear from transUnion disputing the entry they will tell them the first loan was refinanced and the balance is XXXX. I am disputing that now for your information they closed there company in California the only one they have is in XXXX Illinois, My fist loan account # was XXXX, my refinanced account # XXXX this should be the only account please get this fixed. There telephone number is XXXX thank you for your help

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 2018-11-30
Company: Convergent Resources, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
These last two days I had an opportunity to go through my paper mail received via USPS. I encountered a letter on a Convergent letterhead with XXXX XXXX XXXX , XXXX listed as the creditor. This caused a bit of distress as I thought a debt was owed to the United States Government by my person. 

Upon closer inspection, I noticed that the original creditor was XXXX XXXX XXXX XXXX, an XXXX partner company whose operations where discovered by a Pizza delivery guy. I thought I'd mention it because I attended XXXX school which resulted in my tires being blown out on the freeway twice, being shot at, having my car wrecked through a " vehicle commandeering demo '' and various other legal issues. 

This debt is from XXXX and I believe attempting to collect the debt is a violation of The Fair Debt Collection Practices Act and the Fair Credit Reporting Act as it is way past the four year statute of limitations period, we are now in XXXX and the letter was dated in XXXX of this year.

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 2019-12-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Lowes Consumer Advantage credit card run by Synchrony Bank. 

On XX/XX/19, I made a large purchase of a set of windows totaling {$840.00} using a promotion marketed as 6 months special financing. The deferred interest terms can be found on this web page : https : //www.lowes.com/l/Credit/special-financing-tandc.html I spend many thousands of dollars of purchases every year at Lowes so this was one of my many purchases ; however, I normally pay my Lowes credit card balance off in full every month in order to avoid interest. However, after making this special financing purchase, I called Lowes ' credit card customer service to verify how much I needed to pay every month in order to avoid any interest charges and was told that I could pay the full statement balance less the purchase amount for the windows, which is {$840.00} ( unless the only thing I owed was for the windows, in which case only the minimum payment would apply ). So, this is exactly what I did. 

The first bill I received due XXXX, there were no interest charges. However, with the second bill I received due XXXX, there was a small amount of interest charged. I called Lowes credit card customer service again for an explanation, and there was no real clear explanation given, just that " credit card companies charge interest - that's how it works '' LOL.  I am a XXXX XXXX by profession so I have a full understanding of how interest works. It seems to me that Lowes is charging interest based on the additional interest I would have accrued if I didn't pay this {$840.00} balance off in 6 months, the amount described in the statement as " Balance Subject to Interest Rate '', which grew to {$860.00}. Although the amount of interest was small, I am reporting this as fraudulent credit card company activity because it seems they are charging and collecting interest based on a future projected balance, which is unethical and unfair to unsuspecting consumers. If this is not where the interest is coming from, then I don't know where it is coming from since I paid the rest of my balance off in full.

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 2016-12-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I was a costumer with Hyundai Motor Finances for three years as I had leased a car with them. XX/XX/2016 I decided to returned my lease car which was due back on XX/XX/2016. I traded in my car for another used car in which I financed. During this appointment I was informed that I not longer needed to pay the remaining 3 months left on my lease at it would be taken care of by the XXXX XXXX Hyundai dealership and they would take the remaining balance and incorporate it into my new monthly payments. A month later we started receiving letters stating we had been late on our payments. I immediately contacted XXXX XXXX Hyundai to see why I was getting late charges when I no longer owed anything on the car. They informed me that it had been a mistake and that the issue would be resolved. I waited about 2 weeks to then find out the problem had not been fixed yet and the late charges were piling up. I was in contact with both Hyundai Motor Finances as well as XXXX XXXX Hyundai to solve this issue. I informed them several times that I had never made a late payment in the 3 years that I had been their costumer and that this issue needs to be resolved before it affects my credit score. It took a little over a month for them to finally pay off my account balance and to finally remove me from the lease. However, at this point my credit score had drastically dropped. XXXX XXXX Hyundai said that it 's out of their hand at this point.I contacted Hyundai Motor Finances several times to get them to take this off my credit report. They insisted on a letter explaining the issue and so we sent that in. After that, we received another letter stating we had no provided enough information.Therefore we wrote another letter explaining in more detail the issue. It had been almost 3 months and this issue has not yet been solved. My credit score has dropped severely because of an mistake that was made on their end. I have documents proving that I have returned the car, I no longer needed to make any payments, and the car was no longer under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called late in the evening with a local number and tried to collect debt after speaking to other representatives prior about account. I did not authorize the release of my information to 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 explanation
Consumer complaint received 2021-08-30
Company: PNC Bank N.A.
State: TX
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:
Inaccuracy of report with many violations open XX/XX/2019 for {$17000.00} I asked of the violations to be removed as many are occurred. I have uploaded all documents needed to show of proof of violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Please refer to my Memo and Videos attached. 
A brief background - I found out XX/XX/XXXX that XXXX employee - I do not know who - placed me in a contract with a non-existent lender - XXXX a New York Corporation as of XX/XX/XXXX. An inside employee at XXXX sent me further information concerning fact that someone was financially benefitting from my monthly payments and that my loan application was changed after I signed it i.e. increased my checking account balance to meet the guidelines to fund the transaction. I know this is identity theft. I have been asking the debt collectors XXXX XXXX XXXX for the Account Loan Data from Original Lender since XX/XX/XXXX and made clear -- -- -- -- I stand on UCC 3501 and I am not in default in accordance to UCC 3501. Deserve to know the truth and expect the truth. XXXX XXXX XXXX strung me along and I believe charged off the debt to collector the ledger credit which I know about after reading the Federal Reserve Publications of XXXX, XXXX and XXXX This was not good enough for debt collectors XXXX. I also found out about the credit default swaps and default insurance taken out using my signature. Fast Forward to XX/XX/XXXX, without my permission pursuant to 15 USC 1692c, XXXX XXXX XXXX Debt collector sold my private information to another group of misconduct debt collectors - XXXX XXXX dba XXXX XXXX XXXX and also Residential Credit Solutions -- XXXX XXXX was caught lying about not having an interest in my other property in XXXX ; XXXX uses shell companies to steal real property -- -and I have the proof and witnesses which I plan to turn over to authorities. So he is the last person whom I would want to have my personal data -- -CFPB has already determined that these misconduct debt collectors purchase only electronic data. XXXX 's partner is Residential Credit Solutions Inc. also a firm debt collector. I am very well versed in FDCPA and FCRA. I teach a class every Sunday to varied professionals via XXXX. 
Greed and failure to refuse to abide law and respect lives of others - I should not be punished for abiding to law and educating myself on this theft and the abuse against others who have no voice. Let 's see person hiding behind Residential Credit Solutions XXXX who chose to work with XXXX XXXX XXXX : choosing to XXXX me around and choose not to provide me with the Account XXXX XXXX from the Original Lender feel my stress and pain ; the thought of not able to house myself due to the credit issues caused by crooked XXXX XXXX who works closely with these misconduct debt XXXX and the rigged auction buyers. Let 's see this person live in their car in the cold with children. These debt collectors need to be shut down -- our lives matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan with Santander Consumer USA and sent them a letter to have the repossession removed from my report. They have placed on the account for XXXX that there is collection with {$0.00} and that its a bad debt and also have re-aged the account with new date of XXXX. I have n't had the vehicle or loan with them since XXXX. They have violated my rights and are also in violation of FCRA Section 605 ( c ) for consumer protection afforded by the FCRA. They reported the last activity instead of the date of the delinquency. I would like this to be removed from my credit report. It has caused undue stress and has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
THE COMPANY CLOSED MY ACCOUNTS FOR SUSPICION OF FRAUD ON THE XXXX OF XX/XX/XXXX WITH {$65000.00} IN THE ACCOUNT AND DID NOT ALLOW ME ACCESS FOR XXXX  MONTHS UNTIL I COMPLAINED THROUGH CFPB ON THE XXXX OF XX/XX/XXXX OF DISCRIMINATION AND UNFAIR TREATMENT. 

THEY HAVE NOW RESOLVED TO APPROVE THE FUNDS AND SENT ME A CHECK FOR THE TOTAL AMOUNT OF {$65000.00}, BUT SAID NOTHING OF MY ACCOUNT THEY CLOSED AND NOTHING ABOUT INTERESTS FOR UNFAIRLY HOLDING ON TO {$65000.00} FOR XXXX  MONTHS. 

I HAD TO BORROW THE MONEY TO COMPLETE THE TRANSACTION AS STATED IN MY EARLIER COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
Hello, this complaint is because I tried to work it out with the bureaus, and they are still not complying. I requested a debt validation letter from XXXX and the agency reporting these false misleading inaccurate accounts XXXX Bank of America and XXXX ) nothing has been done to try and correct their inaccurate reporting. I specifically want them to send the application or contract used to open these accounts bearing my signature because that is my right as a consumer. I sent letters to XXXX the XX/XX/2022 and we are in XXXX the XXXX, and nothing has been done and I have not heard from XXXX, XXXX or Bank of American yet regarding this matter which makes me assume they can't validate this debt which is supposed to be removed. The only thing I received from XXXX was a letter saying they updated my accounts. These creditors are reporting without my consent

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 2016-05-24
Company: Delta Management Associates, Inc.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan is in default, I have been trying to establish an Income based repayment plan with Delta Collection Agency @ XXXX. I 'm frustrated by their delaying tactics. I have sent in all requested documents even three years of tax returns, reference letters, Hardship letter yet every time I call something is missing, even though a supervisor told me yesterday everything was their. I have the opportunity to restart school but need my XXXX in place first.

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 2015-08-24
Company: National Financial LLC
State: DE
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
My name is XXXX XXXX XXXX. This issue with a Loan Till Payday account was previously reported to you for collection practices, etc. I had a pay day loan in 2013. At the time, I banked with XXXX XXXX, who advised me that pay day loans are not good, and in the end XXXX closed my bank account, it was involuntary. In the interim, I made payments to the agency. XXXX and XXXX were the primary contacts. On the last payment, due to the fact that I told him I was coming in to pay cash, and they withdrew the funds, electronically, my account was affected. XXXX advised me that the payment made was the last payment and the other ( which was primarily interest remaining ) would be charged off. XXXX later called me and advised that XXXX was not authorized to make that decision and demanded the payment. I do n't understand how one person can cancel the arrangements made by someone else. 

In the end, they sold my account. It was reported to you, and that creditor then stated no further collection activity would occur. 

Last week I began receiving calls from a collection agency, XXXX XXXX stating I would called for a civil deposition on this account. I do n't even know this agency. Later, I then received another call stating that I needed to hold, and after several clicks was connected to someone at a Mediaction service. I denied the owing the loan and stated it was paid. 

Today, I received a call from an outsource service courier about a missed appointment or hearing??? What?? I have no idea who these people are. I called Loan Till Payday and was advised the loan was sold and I needed to settle with the new company. So, does this mean they are continuing to attempt to collect {$200.00}. 

I attempted to call the numbers, and now no one picks up just a voicemail. I called the supposed service courier and advised that their number was showing up as a spam/fraud number and that if they were a legitimate company then they should leave their name, location, a number ( not a voicemail ), and the case they are calling me about. I have not been served with any collection documents - why am I being threatened with a deposition??? 

Telephone number recently calling me : ( XXXX ) XXXX. 

Please help.

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 2015-10-07
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a $ XXXX medical debt through XXXX County reporting, cost is unknown as the financial department was to take care of the remaining balance years ago. I have disputed this account and nothing was ever investigated or provided to me. This is inaccurate. Please help

Company response to consumer: Closed with explanation