BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I noticed my XXXX pension pay was short {$200.00}, I looked up my account and noticed AAFES took out {$200.00} for government indebtness. I paid my remaining account balance, {$3500.00}, on XXXX XXXX 2016. Prior to me paying my account off, my account was current. I talked to a customer service agent and she told me, she do n't know why money was garnished out of my account. She informed me that AAFES submitted a wage garnishment on XXXX XXXX 2016 for {$200.00}, but I made an on-line payment on the same day for {$2000.00} that had n't posted. The XXXX XXXX 2016 for {$2000.00} posted the next day. I do n't understand why a garnishment that supposedly took effect on XXXX XXXX 2016 is just now taking effect until today, after my account had been paid off in full. The garnishment should have never been processed any way. The customer service agent informed me that according to the system the {$200.00} garnishment is not in the system and to call back in two weeks to request a refund. It seems to me AAFES is double dipping by garnishing payments out of XXXX accounts, even though they made payments on-line. I need my money, {$200.00}, back immediately because that garnishment should have never been processed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Comenity Capital Bank XXXX. XXXX XXXX XXXX Ohio XXXX Acct # XXXX {$1100.00} This Debt is not mine. I have written to this company and XXXX and I am only asking for a contract between me and them with my signature on it, thats it. Ive recieved nothing from them or from any of the 3 credit agencies. Attached is my all 3 credit report and Certified Mail Receipt from XX/XX/2020 asking for this. This is the 15th letter to them. Either give me the contract or remove this from my credit report immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were denied a mortgage refinance from Ditech because on one of our Credit Reports was showing an incorrect home with XXXX, We attempted 3 times to get this corrected and with no luck.We asked to remove any/all fraud alerts and ant/all consumer statements. This is why Ditech /XXXX rejected our refinance application. Everything else was good to go.

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 2017-01-20
Company: GMA Investments, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a phone call from XXXX, WA ( XXXX ), along with a voicemail from " XXXX from Summit Receivables '' stating that they " had completed their review '' and were preparing to submit their " report, '' but that we had the chance to work things out with them " on our own. '' They left a different number to call back - ( XXXX ) XXXX. I have a credit score of XXXX and no outstanding debt. This was clearly a scam. They never mentioned my name, our address, report number, claim against us, etc., and we have received nothing through the mail ( as required by law ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
National Credit systems sent a XXXX page excel sheet printed off from a computer screen and claimed this was enough information to report a collections account to all XXXX credit bureaus. this was after i filed a verification of debt within the thirty days given to me. i could dispute each charge placed in my name and also believe the original creditor knowingly violated a number of statutory laws. national credit systems continues to contact me even after i have written them to cease contact. they continue to attempt to harass and put a strain on me and my families well being without being held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hello, I have a revolving line of credit ( {$15000.00} ) offered to me after buying an automobile ( in XX/XX/XXXX ) through XXXX where my monthly payment was based on {$100.00} a month for every {$5000.00} borrowed. The car is 'paid-in-full ' however, I 've yet to make a dent in the additional loan, but I 'm paying on time. 

My loan was sold to Springleaf Financial ( SLF ) from XXXX around XX/XX/XXXX/XX/XX/XXXX. Since that time I 've had XXXX serious issues come to light in the management of this loan. 

My situation at present is as follows:1. I was assessed 'late payment ' fees immediately after coming under ( SLF ) yet I left XXXX with my account current and up to date. 

2. My monthly payment was increased from {$310.00} p/month to {$340.00} p/month ( XX/XX/XXXX ) without signing any amendment to my original contract under the pretense that I would have more borrowing power in the future if I needed it. I felt fine were I was but felt if I could not pay my loan off in full, I would have to agree and pay ( nothing was signed or said ). My inner thought on this was what if I did n't have the extra money to do this? Where would I been then? There are horror stories on the web on how this institution has messed up family lives and finances! 

3. This last one is the kicker : I 've been charged this month ( XX/XX/XXXX ) with an 'Annual Fee ' of {$50.00} for what reason I do not know! I thought this was a fee credit card companies imposed on the use of their card ( s ). Bottom-line though, I was not informed of this at all nor was I ever paying it when I was with XXXX! It just showed up on my statement. What 's also strange is that it was assessed this month yet in the block 'Fees charged in XX/XX/XXXX ' - the column has XXXX in it!!!! As far as I know, I did n't pay this last year. ( See attached billing statement ). 

My initial thought was to immediately confront then on their latest 'money grab, ' but I thought better of it once I discovered there was a federal entity that deals with such matters. Should I report my latest 'eye-opener ' to them and then mentioned my XXXX previous incidents, or do I wait until you 've had a chance to review my concerns and provide some guidance maybe? I 'm in no hurry, but I would like to know what 's going on with this company. I 'm sure there may be other customers asking themselves the same question! 

My last XXXX concerns, ( 1 ) if I make an attempt to understand what 's going on would it in effect put a target on my back by complaining about these seemingly small breaches of protocol on contract management? ( 2 ) Due to inaction on my part, have I lost the opportunity to effectively complain at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate

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 2017-03-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of Experian, XXXX and 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 2015-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 Portfolio recovery trying to collect a debt that is not on my credit report because it was removed and determined not to be mine over 14 years ago. They continue to harass me about it. I made the mistake of paying them on a debt by using my checking account and now they have it on file. They have filed a warrant in debt on me after I agreed to pay them and they still sent my debt to court. It was a waste of my time and court because it was dismissed because it was paid. They are threatening to send the paperwork to court. I explained this debt is not mine and it was determined years ago. They said we do n't care you got to pay us. XXXX person name was XXXX and the other name XXXX (? ) she said it so fast and when I asked her to repeat it she refused. They are calling me about old debt. I do have XXXX debt I am paying on with them but I feel like they are adding stuff that does n't belong to me because I have paid other debt that I was behind on. The debt is from XXXX XXXX, who i think maybe another collection agency for {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
On XX/XX/2017 I contacted Experian Credit Reporting for the purpose of checking on my credit score. I was charged {$1.00} for this service but was still not able to obtain my score. Hidden in the small print is an agreement that if I did not contact them within 7 days to cancel my " membership '' I would be charged {$21.00} per month. I realize now that I should have read all of the small print. I believe their website is deceptive by not prominently displaying this information so that customers can easily read it. After discovering that my credit card has been charged {$21.00} for the past two months, I quickly contacted Experian and cancelled my " membership '' which I did n't want in the first place. I believe that they purposely make their website deceptive by offering a {$1.00} fee to rope unsuspecting people like me into a membership.

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 2017-02-22
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with XXXX XXXX in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by XXXX XXXX stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, Midland Funding collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping Midland Funding from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XXXX XXXX, 2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XXXX XXXX, 2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, Portfolio Recovery Associates LLC has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XXXX XXXX, 2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that Portfolio Recovery Associates has violated the FDPA. In fact, it seems they have a pattern of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that Volvo Finance remove all of the late reportings from my credit file since their reportings to the credit agencies have several discrepancies. I know that I had not been late on any of my payments to Volvo Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The Company ARA Asset Recovery Associates keep calling my family members and threatening to take legal action if they did n't get the information they need. They call numerous times even after I have told them to stop calling my phone number and the phones of others. We have blocked the numbers they tell us to call but they call on " Blocked numbers '' so it 's difficult see the incoming ID number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Army and Air Force Exchange Service
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Back in XXXX 2014 my now ex-spouse used my AAFES XXXX XXXX. who was at the time an authorized user. Charged 6 straight times XXXX, on my credit card what she did was buy XXXX gift cards to a tune of over {$6000.00}. at no time did the credit card company notify, advise me, or verify if these transactions were authorized. the same amounts every day for 6 days should have raised a Red Flag. and when I did try to dispute it all I was told was she was an authorized user. now since this is a government institution, they are able to garnish my money. which they have to include my Fed tax refund. interest continues to accumulate on this account, late charges. the charges they are attempting to collect through a collection agency is now almost XXXX they are not going after her or her taxes. just me where is the justice. need 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 2015-08-05
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX has an Account open for XXXX for Ford Motor Company. This was paid off and has a XXXX balance as of XXXX XXXX. XXXX has it reported correctlyAccount Details Last Reported XXXX XXXX, XXXX Creditor NameFRD MOTOR CR Account Type Automobile Account Status Open - Derogatory Opened Date XXXX XXXX, XXXX Closed Date Limit Term 60 MonthsMonthly Payment {$730.00} Responsibility Individual Balance $ XXXX Balance {$39000.00} Payment Status Current Worst Payment StatusCurrent Date of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX Times XXXX XXXX RemarksReaffirmation of debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice from Continental Credit Control stating that I owed money for medical services. I promptly wrote back stating that I denied this debt, and asked them to provide me billing statements, when they obtained this debt, an itemized statement, did they bill my insurance, etc. I wrote to them twice. I did not receive the information I asked for. Instead I only received something that looks like billing codes from the doctor 's office. I then received a notice from Continental Credit Control that they were going to report this debt on my credit report. I think they have a duty to provide me with the requested information before they can take further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My question involves a consumer law issue in the State of : Louisiana I recently financed a vehicle at a dealership with a co-signer. The agreement was for me to be the buyer and my mother to be the co-signer. Recently my mother received all the information for the car license plate, payment, etc. And it has her listed as the buyer and me as the co-signer which is incorrect. How can we get that fixed? The dealership says it does n't matter who name is first it 's the exact same thing. We will be more comfortable with me as the buyer since I 'm the one making payments to help improve my credit score. Once asked about switching it to the correct way. Seller says it would increase my monthly payment by {$100.00} if I get put as the buyer. Do anyone has any insight on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates , LLC, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by Portfolio Recovery Associates , LLC. In XX/XX/XXXX I mailed Portfolio Recovery Associates LLC a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In early XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed XXXX months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed Portfolio Recovery Associates , LLC that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's Cass- XXXX Opinion Letter. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Credit Systems {$260.00} Original creditor XXXX I do not owe this much. Have disputed for over 4 yrs Attempted to settle with XXXX numerous occasions but they refuse!! I DO NOT deal with collection agencies. Southwest just put this charge back on my credit again & trashed my credit score. I 've had XXXX accounts closed because of this. I 'm sick of dealing with this I could very easily pay this but I 'm NOT paying something I do n't owe XXXX XXXX, 2015 XXXX took {$60.00} off for equipment return, I own that equipment Took it to {$200.00} Now XXXX says there was NO charge and added the {$60.00} back on. My next course of action is court!! XXXX never sent me a final bill 4 yrs ago when we moved. XXXX now states that they ca n't accept any kind of settlement that I need to pay full amount but then told me that I could to thru Southwest and settle for less amount This makes NO sense to me. I will not let this go until it is off my credit once and for all. Southwest has over 500 complaints with BBB I will continue to file complaints thru XXXX XXXX until resolved

Company response to consumer: Closed with explanation