BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company responded to last complaint threatening to sue. Ironically enough they share the same address with the attorney ( is this even legal? ) something is a little off about all of this - the company needs investigated. 
Also - they threw Kansas Statutes Annotated 16-201 in my face for interest however, it states NO MORE than 10 % per annum - according to their response to me the debt isnt even a year old and theyve racked up almost 12 % in interest fees already. 
Id like more information regarding the debt in question, as I believe its less.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
As a XXXX XXXX veteran, my wife and I reluctantly closed on a loan ( XXXX ) in XXXX, NV with Navy Federal Credit Union and XXXX XXXX XXXX for {$320.00}. Because of their miscommunications and incompetence, they put our financial future at risk by not delivering our closing documents to the title company in a timely manner. The contract on the single-family residence was to be executed by XXXX19 which they assured us it would be completed and submitted before this date. However, when we showed up for our XXXX closing on XXXX19, the staff at XXXX stated that we were not cleared to close because NFCU had not  submitted the loan documents yet. This was very alarming because it not only jeopardized us losing the deal but also our {$5000.00} earnest money deposit, which was decided by NFCU to be rolled into the closing cost and not returned to us at the closing which was what we wanted, {$600.00} appraisal fee and {$320.00} inspection fee. Consequently, we had to sign the incomplete loan package or loose our hard earned money. At the closing, we were shocked to find the following items were missing or incomplete : 1 ). Did not include a Truth in Lending disclosure to fully explain the terms of the loan.

2 ). Did not include an Amortization schedule.

3 ). Parcel ID number was missing from multiple pages.

4 ). Did not include pest inspection invoice that was submitted at least twice.

5 ). Told us that we were responsible to go back home and wire a penalty cost transfer {$1100.00} to NFCU which was no fault of ours but rather NFCU not being able to have the completed paper work timely to XXXX. 

I explained from the start of the loan on XXXX19 that I needed the EMD back after escrow so that I could make repairs to the house. 

XXXX, NFCU loan officer told us we had to bring {$1100.00} to the closing just to do the deal but actually it was to be wired. They actually penalized us for their fumbles and mistakes. I feel like I was bullied and strong-armed into the loan. Looking back at this experience, it was a horrible business encounter that I wouldn't wish upon anyone. Especially veterans who trust NFCU to protect their hard earned money and investments. 

I'm still in shock! How could this happen? I don't know what to do. I would greatly appreciate some help and expertise in this matter. I would like to get my money back and start over with a different lender. I don't feel comfortable with this loan which could lead to a financial disaster for my family ... .Please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-05-16
Company: BAM Management US Holdings Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX of this year, I received the email from the Binance.US team titled Binance US | Deposit Failed Alert and followed the instructions as directed in order to resume deposit & withdrawal functions for my XXXX account registered to the email address XXXX However as of todays date XX/XX/XXXX, my account still disabled and when I check the status of my ticket # XXXX ( assigned to the person name XXXX ) I find, to my disappointment and disbelief, the ticket is under the SOLVED status. 

My account has approx. XXXX USD and due to their lack of response, I have lost thousands of dollars in trading. 

To my amazement, On XX/XX/XXXX I received an email from they titled " ACH Deposit Limit Increase '' saying " We are pleased to inform you that your 24-hour ACH deposit limit has increased to {$10000.00}. Thank you for being a Binancian - happy trading! Binance US Team '' but nothing account my account been disabled and no trading ability. It very hypocritical for them to ask me to deposit more money when my account is disabled for withdraw and trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-02-22
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Bureaus are attempting to collect a debt that was already acknowledged as fraud, was removed from my credit report as fraud. The Bureaus have purchased a debt that is identity theft. The original creditor has acknowledged this as identity theft. 


The bureau sent me statements how does this proved that i made these charges and opened this account when it was already proven as identity theft. Then once I send them a letter stating it is identity theft, the bureaus then add this false collection to my XXXX report that it was not reporting on. Sooo in essence, I tell you it's fraud and you continue to perpetuate this fraud by then adding it on more than the bureau it was reporting on? this is illegal. How do you scam people like this, and it is ok? do you think people do not know their right????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-05-18
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
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 been XXXX sinse I was 14 years of age I am now XXXX years old. I tried college at XXXX University online. I stopped after 2 months. I was approved XXXX waiver. I did it my doctor signed it several times. And every year they keep saying I owe. It should be off my credit report and they won't work with me they said over and over again that u got ta file again. I filed like 4 times and was approved for 1 year and thry said it got ta be 2 years I will every step under XXXX guidelines to get this removed. Even contacted my stats congressman in maryland. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX XXXX XXXX XXXX- Account Number : XXXX and XXXX XXXX XXXX - Account Number : XXXXhas 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: LA
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:
See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. 

Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting to close my Citi Accelerate Savings account and have been unable to do so. Citi has locked my online account access twice in the last 2 years and it takes numerous calls/transfers through customer service/chat support to get it unlocked. When it does get unlocked there is no context to provided as to the reason behind the lock. 

I called to close my account last week and was able to proceed with the conversation but the timeline for returning funds ( 10-15 business days ) seemed long so I completed an electronic transfer into my new account which has since posted. 

I called XX/XX/2021 to close my Citi Accelerate savings account and spoke with a customer service agent who asked numerous verification questions and said they would be unable to assist with closing my account due to failed verificaiton. I provided the account number off their website, my full name, my wife 's name, last 4 of my social security #, and what I believed was the secret word associated with the account which was valid enough to proceed with action/conversation last week, but not on this conversation. I explained to the rep that I just wanted to close the account and could provide recent transactions, balance information or other verification to close the account and they just kept directing me to call back. None of the information provided was any different than what I provided last week. In my opinion as a XXXX XXXX myself, this seems like an unfair and deceptive practice to dismiss account closure for the purposes of achieving company metrics and XXXX XXXX 

I would like my Citi Accelerate Account closed without being charged fees as the account now has a XXXX balance.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-05-18
Company: CITIBANK, N.A.
State: NJ
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 sought a legitimate {$26.00} refund request XX/XX/2021 within the allowed time period between the XXXX XXXX and XXXX XXXX XXXX but both companies gave me the back and forth putting the responsibility on the other. I have filed reports against these companies for fraudulent business practices with the FTC. I documented my conversations with both of these companies and have ID numbers for this. I provided all this to Citi which is very clear, regardless they denied assisting me with a resolution and didn't acknowledge that I clearly provided the necessary requested information 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 explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My complaint regards XXXX XXXX practices and unfair Truth and lending disclosures with the act of deceptive practices. I signed a personal loan agreement using my car for collateral. I was given the Truth in lending disclosure showing my APR of 17.92 % for 56 months, amount financed {$18000.00}, and payments of {$470.00} monthly. Total cost to borrow this shows,. {$9000.00} total amount after all payments should be {$27000.00}. They not only charge the APR which should average {$160.00} monthly and the remaining of payment should go towards principle. This company charges the APR amount plus daily interest which averages {$6.00} daily, which amounts to approx {$200.00} a month. This daily interest is not what is stated in the Truth and lending disclosure. So this means they have been taking approx {$360.00} a month out of my {$470.00} payment for interest. The remaining balance of {$110.00} goes to principle, on a good month. I have no problem making this payment but only if they take the interest that is disclosed and apply the rest to principle. They continue to say that this is an interest bearing loan, which I thought all loans were, they do not adjust these figures and refuse to look further into their deceptive practices. I have talked with XXXX  the branch manager in XXXX XXXX, XXXX another manager in XXXX and many others in their customer service department in Kansas, I think. This company does not see this as a Predatory and deceptive practice, as I do. I would like to see this type of practice gone, as this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have Noticed a Collection debt from americollect showing a balance from XXXX  XXXX XXXX XXXX XXXX of {$400.00}. Ive called. Americollect and asked for information on this they said what the hospital name was and i do recall going to XXXX XXXX XXXX hospital on or around XXXX of XXXX so i called the hospital XXXX XXXX XXXX hospital billing department and asked for my itemized bills if they were paid by my insurance and or sent to collections. Hospital tild me they dont send bills into collections. So i called my health insurance provider and asked if i had any bills with an amount due or if any was sent back and they stated no as well. Ive had medicade my whole life and have never had an issue. I pay my bills no matter if its paynents or not. Well i called americollect back and explained what i was told by both my insurance and the hospital billing department and they said it was sent to XXXX which is the hsopitals billing agency or somthing like that. Well ive reached out to them and asked for the bill thats due of th e amount of {$400.00} and i have yet to recieve that. I asked why wasnt i informed or noted of this bill before it went into collections having 4 month period from the time they said i went to the hospital which was in XXXX of XXXX and was recieved to collections on XXXX of XXXX i was never called which ive had the same number since. i havent recieved a bill or anything. Ive had my social secreity card stolen from me when i was a teenager. About XXXX XXXX XXXX. Ss has flaggd my account since. Well since no one can give me detailed i formation or couldnt reach out to me to pay this debt owed. I have lost out on alot of money by getting my credit up high to americollect to destroy it by dropping me down 60 points. I need help figuring this out. The hospital sent me my bills from that month and year which neither have that amount owed or date. I have all proff i need so why cant XXXX  help me when i pay them to check my crwdit every month. This is getting out of hand. And ruining my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation