BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had opened a new account  with Navy Federal Creidt Union a fter it had closed out. I knew I owed money so I asked the teller if I had to pay anything additional and I did. The amount was {$200.00} for an overdraft fee so I had paid for it. I also owed money for my car loan which was about the same {$300.00}. I paid for that also. After paying he said I 'm in good standing with the bank and there would n't be any issues going forward. So then I proceeded to put {$1500.00} in to my new accou nt. Two days lat er I was looking to pay for something and I noticed all of my funds was gone. I noticed this happened on  XXXX / XXXX /  XXXX  . They never gave me a warning and I never gave them the ok to take money out my account or have I signed any information saying that I ever will allow automatic transfers when I started the new account. I also never signed any paperwork starting this new account. This debit collector just took money without any of my acknowledgement and put me back on a few bills because of it even after me attempting to receive a portion of the money back to still put down on the amount that was lost. I talked to the head of the person that took the amount and they were extremely rude. She did n't care that I needed the money for my son and for rent. She literally told me that it did n't concern her and she have other people calling with more important issues then the one I 'm having then she hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have an account from national credit systems that was originally for XXXX dollars for a broken lease for apartments. I resided in the apartment homes for one month and moved due to the environment, at this time I had gotten a phone call from national credit systems around XX/XX/2010 saying I had been sued and owed them XXXX dollars. I disputed this account on this basis that I never received notification prior to it reporting to my credit as well as that the balance was inaccurate, I requested at this time a debt validation within 30 days which was never received, at this point I requested the account to be removed from my credit report. It was not. I have disputed this account on 9 separate occasions throughout the years following and continue to get a response from the credit bureaus stating " national credit systems has validated this account with OUR company '' I have never received a debt validation from this company and I have all accurate up to date information for correspondence on my credit report. This is in violation of the fair credit reporting act to not send debt validations and say the account is validated. My last dispute was about 30 days ago on the basis that the company violated the law stating that a landlord must seek a new tenant when previous tenant breaches a contract and terminates lease before completion. This community charged me for the remainder of the lease and never made reasonable attempts to re-sell the property.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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:
I am a legally XXXX XXXX that has had suffered identity theft. My XXXX include mental and physical, meaning that i spent all my education until High School under special education due to my capabilities. My brain damage does not allow me to read, write nor comprehend any paragraphs of any form. 
Been legally XXXX since i was XXXX XXXX XXXX and my medical records are living proof of it. I collect social security XXXX benefits for that reason, the credit bureaus keep sending all collections to collection agencies and it seems like i cant get them off my hair. They are aware of my mental limitations and XXXX and they still keep sending reading and signing material to me. I am mentally challenged and they can verify that by having their legal and medical departments contact or subpoena my medical records. 
I meed this to be repaired or taken off my credit report that has affected my adult life. I had to spend XXXX years being homeless due to my credit incorrect reports. I am basically having troubles getting a decent life due to that problem. I demand some assistance so i can qualify for some decent and better life as it is my right. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied at XXXX in XXXX ar i traded my already paid off jeep liberty they were suppose to give me {$7000.00} for it in trade the vehicle i traded for was only supposed to be {$2000.00} more from that by the time papers were signed i had XXXX kids there for XXXX than when i went to the restroom they allowed a boyfriend to sign on my car i had no idea about it when i realized what happened i called the car lot and asked to void it all cause the price was n't what had been agreed on and his signature on my papers they said they already sold my car i was basically well lack of better words screwed. So i begin the ppayments i could n't afford than they allowed this guy to take my car and now want me to pay cause he hasnt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
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 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( 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 explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TN
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:
I have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am assuming that the bureaus have been busy and haven't had a chance to my dispute letter yet Its been over 60 days since i sent in my dispute regarding inaccurate items on my report and I still have not received any response yet To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the XXXX  data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this manner as soon as possible.

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 2022-11-06
Company: Aldous & Associates, PLLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid XXXX XXXX on XXXX and XXXX XXXX in XXXX  XXXX {$250.00} approximately for a year membership up front, No contract. Not only no contract but no payments except the initial one was made. XXXX does not have any record of me owing them anything and has never reached out to me. I had to reach out to them. When I attempted to contact via email with this Aldous & Associates company I can not. I have no idea what verbiage is going to be used if I call into that company and Im afraid the recording at the begining could be shady or something. I dont want to agree somehow or get locked into a debt I do not owe. I have read reviews and it appeared something of that nature is happening. I do not owe this money, they are incessantly emailing me and I am really very positive this company is incredibly aggressive, shady, and dishonest. I almost feel as if they possibly are doing this behind XXXX XXXX  back. I dont owe this money, I am waiting to try to get my credit pulled on monday to see if these scam artist actually were able to effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Allied Collection Services, Inc. (Nevada)
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Alled collection calling me to collect a debt from XXXX yrs ago 1997. They could not tell me if the debt was mine or my ex husbands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Issues : disclosure verification of debt + improper communication tactics. 
I spoke with XXXX, a contact center manager for this collection agency. I identified myself as the best contact person to communicate with on this matter. I clearly expressed my desire to pay this debt in full asap as long as the charges were valid. I gave them my mobile and work phone numbers. We hung up with the expectation that I would receive a verification of debt package by mail from them shortly. This would have given me an opportunity o review the validity of the charges. Till this day, I have not received this package. In the meantime, I found out they had been trying to contact my roommate ( despite our mutual agreement that I would be the sole point of contact for this matter ). 
Last but not least, their contact center representatives consistently try to engage in confrontations and arguments over the phone instead of focusing on duly resolving the matter. 
I am under the impression they are purposely trying to prevent me from reviewing these charges so that once the legal time-frame has passed, they will be able to threaten me with putting those unverified charges on my credit report. 
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 2016-04-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I went in to get a loan from spring leaf financial and the representative went over the benefits and features of the payment protection and life insurance. Quoted me a payment with it automatically added. I then declined to take the " optional insurance product '' She then continued to try to sell me the product even after I had declined and said I was not interested. She insisted that she needed to continue telling me the benefits and features in case I wanted to change my mind. They then told me how my rate was going to increase because I did not take the insurance so it put my loan just under XXXX. I then asked them can we increase the loan to the amount they were going to do with the additional insurance on there to get the lower rate and the woman said no. she said we would only allow that loan amount if you were going to take our additional insurance product otherwise we will not increase your loan to that amount if you are electing now to take it. She also then indicated that because I chose not to take it which would have increased the amount and reduced the rate that I would be subject to the higher interest rate. I tried to speak with the woman to say that this seems very deceptive and she said that it was how they did things and that it was an optional insurance product. To me it does n't seem right that they are willing to increase a loan amount if I buy their insurance but not if I do n't and that they are going to raise my rate if I do n't take it by changing the approved amount. Also they kept pressuring me to take the insurance after I had already indicated I did not want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Used the Discover App to pay my Discover Card bill ( {$140.00} XX/XX/22 ) Payment accepted Payment subsequently rejected, per customer service " you may have mistyped the account number '' Charged {$30.00}. Customer service and supervisor refused to refund Closed account and paid off balance. 

If the payment was rejected for insufficient funds, a fee is understood and acceptable. In this case, there assumption is that I mistyped the account code into the app. The code came back " account not found ''. Discover could not determine what went wrong with processing the payment and could not demonstrate that this was my error. However, even if so, mistyping an account code into the Discover app is very different from 'bouncing ' a check. 

I was not notified in a timely fashion Discover reps said " they are unable to confirm '' at the time of processing. " Sorry '' There was no warning that using the app exposes the user to a risk of a {$30.00} charge if the payment fails to process for any reason. 
Had I used my bank 's system instead, this would not have occurred -- the app is a trap. 

Bottom line : using the Discover app to pay the bill should not expose the customer to the taking of money if the payment fails to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from National Credit Systems demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Coradius International LLC ( " ACI '' ) mailed me a collections statement claiming that XXXX. placed with ACI over {$34000.00} of unpaid amounts that I allegedly owe to XXXX. I called XXXX, which confirmed that amounts that I pay to third party vendors through XXXX are immediately debited from my bank account, and that my balance with XXXX is, and has always been, XXXX. Furthermore, I have never come close to spending {$34000.00} through XXXX. I investigated online, and many other consumers have claimed that ACI is " running a scam '' to collect amounts allegedly owed to XXXX when, in fact, no such amounts are due. I believe that ACI 's behavior is a deceptive attempt to coerce consumers like me to pay amounts that they never owed. ACI 's mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: United PanAm Financial Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A representative from United Auto Credit contacted family members and my place of work not only harassing them but also being rude. I let them know before hand what was going on with me and my car. Today XXXX/XXXX/2015 was the last straw, my manager called to let me know that an representative contacted the store asking her personal questions and was being very rude. She also stated that they gave her personal information about me. It is causing problems with my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited an amount into my checking account to cover my monthly home equity line of credit payment withdrawal on the day it comes out of the account. The payment was bounced back and I received {$100.00} in fees directly related to this. The amount I deposited was only {$380.00} to cover the payment and that is almost a third of that. The realistic amount I should have to pay should be around {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: AXOS FINANCIAL, INC.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was notified they charge a {$10.00} fee to close CD. This fee not disclosed or agreed to in original CD agreement XX/XX/XXXX - XX/XX/XXXX - tried to argue fee w/ multiple phone calls and emails to Axos `` secure messaging center ''. Finally agreed to fee realizing it's only way to get my money back. 
XX/XX/XXXX - XXXX sent redemption check to invalid address ; not forwarded to me. Check returned to them XXXX - Multiple attempts to get matured CD - sent Declaration of Lost Check to Axos. Bank confirmed they received check back - '' undeliverable ''. So they had their check back and still had my money. Sent Wiring Instructions ( initially XXXX XXXX, XXXX, repeatedly. ) Finally sent registered letters to Axos CEO ( XXXX XXXX XXXX and to Axos Director of Operations ( XXXX XXXX ) ; also to XXXX XXXX. 
XX/XX/XXXX - Axos rep called me, offered to wire funds ; funds received the same day, minus penalty for early cash-in of CD ( which I didn't want renewed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had our house for sale for almost 2 years. Starting at {$500000.00} lowered it many times finally got an offer for {$39000.00} cash. Which our Realtor talked us out of taking. We finally ran out of money and put it up for a short sale. B of A was our lender so we figured we could get {$10000.00} in relocation money. Well into the process they say well we sold your loan to XXXX without your knowledge and they have their own program for {$3000.00} we complained were told nothing we could do about it. The loan was to close on the XXXX of XXXX this month. We looked and looked for a place to rent finally found XXXX and gave XXXX and XXXX months rent for {$3100.00} all the money we have. Contract move in date the XXXX. Now today we are told it may not close on the XXXX and they may need an extension. From what they are saying we would have to stay in the house until the end to receive the money. If that happens we forfeit the money we put down {$3100.00} and have no place to live/Question how can they sell my loan without my knowledge and cost me {$7000.00} which as I understand is n't even their money and have their own little program and how can they make me stay longer to get the {$3000.00} with little or no notice. The world just does n't work that way. We are desperate looking at no money and being homeless. As a note I retired in XX/XX/XXXX with {$XXXX} a house with equity of {$XXXX} inherited {$XXXX} and in XX/XX/XXXX and again in XX/XX/XXXX lost everything I spent my life saving. I am XXXX years old in good health applied to many many jobs and the moment they see my age no call back. Is there any help out there or do we just go homeless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation