BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my 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 2016-04-05
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been getting calls for months from a company called receivable performance management. They are calling to retrieve a debt for someone I do n't even know. I have told them many times to remove my number and do not call anymore. They said they would but continue to call many times everyday. They are very rude and usually hang up on me when I try to explain the situation.

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 2016-06-01
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Auto lease matured in XXXX XXXX and I extended for 6 months. Since the inception of the auto lease, I had automatic deductions made by Acura Financing with no problems. In XXXX XXXX, I extended the lease for another 6 months. In XXXX XXXX, I noticed that Acura Financing did not take out the payment for XXXX XXXX, XXXX and I contacted them on XXXX XXXX, XXXX and they told me I had to sign an extension form and fax and auto payment would resume, which I did. I manually paid XXXX payment on XXXX XXXX, XXXX. Yesterday, I received a call from Acura Financing that XXXX and XXXX payments were not made. I went onto my bank site and determined that was correct, payment was not made. I asked XXXX XXXX why they did not resume auto payments after my discussion on XXXX XXXX, XXXX. The representative from Acura Financing could not explain and read the notes from my previous conversations with Acura Financing ( when I was less then 30 days delinquent ) and could not explain why payments did not resume, especially since this issue did not occur on my first extension AND I called Acura Financing to rectify the issue in XXXX XXXX ( which was not done ). Acura Financing has my email address and I 'm not certain why they did n't email me immediately when the payment was not made. Having auto payments for 4 years stop with no notification from Acura AND for Acura not to notify me of an issue is not acceptable. I have checked my credit reports and they all show that I paid 48 months without incident and that effective XXXX XXXX my account is greater than 30 days past due. The non-payment is due to Acura 's error AND having my email address, I would expect when I am one day late, that I receive an email from them. 
Please also note that I have not had use of my car because of the XXXX airbag recall and Acura supplied me with a stripped down Jeep Patriot rental in lieu of my Acura RDX - so that is further insult to injury. I 'm leasing an Acura RDX, but driving a Jeep Patriot. Something is not right here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation the law!

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 2015-11-06
Company: MORGAN STANLEY & CO. LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My financial advisor referred me to their XXXX XXXX department when I told them thay I was going to buy a house. I was approved for a loan and I started looking for houses in my price range. When I found the house that I wanted I locked in my rate and started the application process. Throughout the process they exhibited poor communication and started asking for documents a couple of days before closing. Two days before closing they contacted me to finalize numbers, including my monthly payment which was quoted to be {$1500.00}. When I got to the closing table I discovered that monthly payment would actually be {$1700.00}. When they informed me of this payment I felt like my back was against the wall because I was afraid being sued by the seller and I felt I had no choice but to sign. Since my closing two weeks ago I have been under duress on how I am going to make my monthly payment. On my Truth In Lending Disclosure they quoted my taxes and insurance to be {$290.00} a month. As a normal consumer this number did n't seem out of the ordinary to me. In doing my research I have been made aware that several professionals from Morgan Stanley Home Loans neglected to change the property tax number to the correct amount even after they were told by the title company on XXXX occasions that their estimated property taxes needed to be adjusted. Morgan Stanley Home Loans were negligent on several occasions. I am now stuck with a mortgage payment I ca n't afford.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last seven years I was in foster care. Last summer at XXXX years old I signed myself out and was forced to stay with my estranged father and stepmother. This was out of financial necessity. I was told that we were going to XXXX store for a family plan. I assumed that it would be in either my father or my stepmothers name. When signing the contract for XXXX I was told that it was for just my phone. Instead I was signing a contract for XXXX smart phones. I did not realize this until about a month later when I got the bill. Any attempts that I made to rectify the situation failed. The other people in the contract refused to help pay the debt and let their phones default. I was nave and had no idea how to fix the situation. I did not want to ruin my credit so I called XXXX and made payment arrangements for a bill over {$2000.00}. I recently lost my job and was unable to make a payment and XXXX sent my account into collections. XXXX refused to negotiate and I do not feel that is my responsibility to pay the full debt. I feel that XXXX was negligent in that the XXXX representative at the store did not explain to me what I was signing and did not contradict what my father had told me. I feel that I was taking advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
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 XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the 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 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 reporting agency

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 2016-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
XX/XX/2015, I became aware that a merchant had defrauded me on ten occassions. I contacted the Chase Credit Card Company on XXXX XXXX, 2015 and informed them of the fraud. I submitted my documentation to Chase and was able to resolve XXXX of the fraudulent transactions, but Chase continues to deny me XXXX of them. The first charge Chase ignores, denies the next XXXX, and grants the next XXXX by giving me a credit to my card. I have written a total of four letters to them without any understandable explanation as to their actions. They admit in their denial letters that they never were able to reach the merchant, but ignore the fact that the merchant went out of business and is now in bankruptcy court in XXXX XXXX, California. They never address why they credited me for XXXX, ignored XXXX, and denied XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
they removed this info. from my credit report without my permission which is in good standards XXXX {$6000.00}

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 2022-10-08
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previously I wrote and asked that Spring Oaks Validate this alleged debt by providing the Original Contract with XXXX XXXX with my signature and they did not! I also asked that they provide a FULL PAYMENT HISTORY of this alleged debt with XXXX XXXX the original creditor and they did not! I did receive some sort of bill in my email as proof of this alleged debt but that is not validation for me. I am unsure the bill is real and from the original creditor XXXX XXXX. And if it was from XXXX XXXX, then why didn't they request the payment history and original contract as well from XXXX XXXX like I asked them to do? What I do know is that this alleged debt is listed as a charge off on my report with XXXX XXXX  and they have written off {$980.00} with the IRS. This means that XXXX XXXX closed the account because the no longer expected to gain any payments on it in the future. This also means my current balance with XXXX XXXX is {$0.00}. So how is it that Spring Oaks Capital is trying to pop up in my life and try to collect {$980.00} from me for this alleged debt? When did I ever have business with Spring Oaks Capital? I did not or do not have any type of business agreement or contract with Spring Oaks capital. I never gave XXXX XXXX permission or any written authorization to share/ release my private information to any third party or collection agency. Title 15 USC 1681 section 602 states I have a " Right to Privacy '' and a creditor needs my written consent to report or share my information with any third party. Therefore, XXXX XXXX has violated my rights when they shared my information with Spring Oaks Capital without my WRITTEN CONSENT. Now Spring Oaks capital is currently in violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties,15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt,15 USC 1692f Unfair Practices attempting to collect an alleged debt and 15 USC 1692b ( 5 ). Therefore, my request is that Spring Oaks Capital stop/cease any and all credit bureau reporting of this alleged debt Permanently, do not transfer or sell this alleged debt, or my personal information to any other collections agencies. And I want a written response to my address above stating that this alleged debt account is closed in their system and will not be transferred or sold again to any agency or I will seek for damages thru a consumer rights attorney. At this point I believe Spring Oaks Capital Owes me about {$3000.00} for all the violations they put me thru and they need to pay me immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
i was attending school had been XXXX but my student loan money was put into my mothers account i had to rely on her for transportation i was planning on buying a vehicle to be able to get to and from school. i had dhs involvement and troubles with daycare and informed incorrect information by government agency. i also have had a car accident that resulted in XXXX with me being the almost fatality. i was a XXXX and have alot of XXXX issues. i since have had my rights terminated to my children and i have been trying to return to school. i also have my deffered judgment in regards to my XXXX

Company response to consumer: Closed
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This makes my third time trying to dispute information the has been submitted by : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The negative remarks pertaiing to late items are inaccurate. 
XXXX XXXX reported me as 60 days late XX/XX/XXXX before my payment was due. Also XXXX XXXX was provided authorization to withdraw my payments from my account utilizing a special payment program. The docuemnts to authorize this program was submitted to XXXX XXXX on two sperate occassoin the first being in XX/XX/XXXX and the most recent on XX/XX/XXXX. I confiremd the receipt of my document prior to my payment being due in XX/XX/XXXX and the female customer service rep at the XXXX store confirmed my draft and payment date of XXXX/XXXX/2016. The drafted payment never cleared my account and so I called the branch. I was informed that the payment for both XX/XX/XXXX and XX/XX/XXXX would be processed on XX/XX/XXXX, but this did not happen. Instead I was given a negative payment mark of 60 days even before my paynebt due date of XX/XX/2016. When I called the branch they stated thaty never had an automatic draft plan scheudled for me. I informe them of the error on my credit report and my willingness to file a XXXX complaint at which time they tried to work with me. A manager ( XXXX ) from the XXXX branch contacted me and stated that my account would stay in a duispute status and if the account payment were caught up he would then notify the main office to correct my credit report to reflec that the account error was resovled. This conversation took place on XX/XX/2016 at approximately XXXX. 

XXXX XXXX has reported me delinquent for XX/XX/XXXX and XX/XX/XXXX but has recieved payments in both months accordingly. The past due balance they are reporting is inccorrect and includes additional fees that have not been provided to me or explained to me. Attahced is a copy of the payments that have been made to XXXX XXXX over the past six to seven months. I have not been contacted by XXXX XXXX regarding any late payments. 

XXXX placed my account in a payment protection status and I requested a letter to verify that I was placed in this program. XXXX has removed my account from the collection status as the past due remarks were done so in error.

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 2023-01-19
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX Discover Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Hello. I have a past due credit card account with USAA. I have been making attempts to contact USAA for the past XXXX weeks in order to settle this debt. I have yet to reach anyone about this. I have waited on hold for up to an hour to speak to someone and I 'm still unable to get through. I recently received my XXXX rating from the VA. I have been diagnosed with XXXX from being an XXXX in the XXXX XXXX serving in XXXX, XXXX. My experience took a very big personal toll on my ability to properly manage my finances and personal matters. In addition, I was caring for my father who was at the time, a XXXX patient. My father was receiving XXXX from a result from his condition. This income was being used to manage our shared finances. He passed away from his condition and the XXXX payments stopped. I dealing with my father 's death and loss of income, I was not in the right mind to manage my personal finances. I could not afford the payments on this account and it caused it to charge off. I have not heard from USAA in the last couple of years in reference to this account. Now that I received my XXXX rating from the VA, I also received a large payment from them. I immediately set out to settle my debts. USAA was the first company I attempted to contact but I was unable to reach anyone. I have since settled other debts and now I have a little under XXXX XXXX dollars to settle this debt. My intention was to settle this debt for a reasonable amount but now this is all that is left. This is very unfortunate since I had the ability to pay this off and USAA was the first in line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The company did n't contact me by phone at all for a bill that is now reported in my credit record. I had some previous bills that was with the same company and i used to have really tough phone calls with threatening of reporting and not resolving. my main problem now is that they report a claim which I had no problem to pay it on time if they called me. I just settled all my debts with this company by calling them around 3 months ago. the company suddenly reported failed payment for medical bill without contacting me with previous knowledge where I am and my situation from previous experience. please advise if I still have to call them and accept what they say to remove the collection while it is still there in the removed collections or I have any rights to dispute this claim for not contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief