BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Company: Receivables Performance Management, LLC
State: CA
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:
XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Had deposited a Manager 's Check for {$18000.00} on XX/XX/2022. The account can't be found in the mobile chase app after the XX/XX/XXXX weekend. I went to the Branch and dealt with an officer, branch manager, and fraud division. Spent over 3 hours on the fund with the Credit Union that issued the instrument and they said it was paid. The Bank officer acknowledges that the funds are in suspense but unless the fraud department talks by calling them they can release the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: BRite Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Lendmark Financial Services
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022, I XXXX XXXX sent Lendmark Financial Services LLC a billing error dispute pursuant to 12 CFR section 1026.13 ( b ), correction of billing errors pursuant to 15 U.S.C. 1666, and claim for credit balance pursuant to 12 CFR 1026.21, in the amount of {$6600.00} The correspondence I received back from XXXX XXXX, Associate Legal Counsel for Lendmark Financial Services LLC, had nothing to do with the information that I had requested. I requested documentary evidence of the original instrument of indebtedness, evidence that Lendmark Financial Services LLC owns the debt. I requested the license to collect a debt in the state of Virginia, I asked for evidence that the balance is a credit balance or a debit balance and adjust the account and billing statement in accordance with General Accepted Principles ( GAAP ) an/ or the International Financial Reporting Standards ( IFRS ) were applicable.Provide me with evidence that Lendmark Finacial Services are not creditors who have extended me my own consumer credit via the credit balance you have extended. And that you are indeed a debt collector who is collecting a balance due to the United States Dollars. And last but not least provide evidence that the amount which stated what is owed is not an obligation of the United States pursuant to 18 USC.section 8. All of my requests are noted in this communication. Also I need XXXX XXXX 's XXXX XXXX XXXX number to make sure she is not in violation of fraudulent misrepresentation of a government official.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
American Express continues to contact my workplace phone numbers that are not even mine despite me asking them repeatedly to stop doing so. I told them it is fine for them to contact me at my cellphone number but they are putting my job at risk by continuing to contact me at work. My work has called them to tell them to stop and I have as well yet they continue to do so. I was told by a manager that this would not happen again and it did again today. He did so on a recorded line despite telling me I was not allowed to record them. They also continue calling recorded lines at my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I am the victim of the Venmo scam. 
Long story short, I was scammed {$3000.00} in Venmo. 

Thankfully, my bank was right there with me to prevent the fraud and stopped those XXXX Venmo transaction to go through. However, Venmo is not doing the same. 
I opened the disputes and keep reaching out to Venmo for help to get my refunds, but the total opposite has been happening to me. 
Venmo froze my account, took my balance I already had to automatically apply to the negative balance of {$3000.00} and making me 100 % liable. 
No matter how many times I tell them the other payee was the scammer with all the evidences, they are just putting all those things on me and not doing anything with the scammer. 
Despite me being the victim, Im the liable and the bad guy to them. They keep tell me to reach out to my local law enforcement and I did. I made police getting involved, but they cant proceed because Venmo wouldnt give the search warrant about the scammer. 
I never felt so suffocated and betrayed by them. Not doing well mentally and and thought about many life ending thoughts because that money was all I had in my savings. 
Now as Im reading through some of the articles, if I dont pay that amount and leave it like that, I read that Venmo will eventually reach out to the collection agency about the negative balance. 

I was wondering if you can please help me find the justice in this situation, where I'm the victim and need to get my money back here. 
To them, {$3000.00} is a tiny amount of loss for their multi-billion dollar company. For me, this money is everything for my XXXX and personal debts. Im reaching out to see if I can get more info about them or you can help me bring this to the light. Thank you so much for reading through this. God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b  y the   XXXX   XXXX   XXXX   on  XX/XX/XXXX . They (   XXXX   XXXX   XXXX   ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with   XXXX   XXXX   XXXX   management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.
<P/>
Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!
<P/>
  XXXX   XXXX   has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.
<P/>
This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on  XX/XX/XXXX , XX/XX/XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my 47 years ever hit my credit with a HARD inquiry for a simple, few hundred dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at   XXXX   XXXX   XXXX   repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month ( if not years ) down the road.
<P/>
So, as in my case, TWO hard inquiries were done on my card by   XXXX   XXXX   XXXX   within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
To Whom It May ConcernI was a student XXXX at XXXX College XXXX, California XXXX XXXX XXXX XXXX XXXX shut down without any notice while I was enrolled as a student without any notice in XXXX 2015. I have found out that XXXX College has secured XXXX loans on my behalf from following lenders ; 1 : Genesis Lending XXXX in the amount of {$50000.00} : XXXX in the amount of $ XXXXBoth of these loans were taken without my knowledge and now lenders are asking for the repayment. I was still enrolled as a student while the College shut down and have not completed the program. I do n't have a job and ca n't repay the loan. 
I kindly request that an action should be taken against the college and lenders should be paid by college. This matter has causing me a lot of XXXX and I have to answer the inquiries about by these lenders over phone. Lenders have been sending me the statements and I requested them to stop but they have suggested I should file complain at Consumer Finance. 
Please feel free to contact me if there is any information needed. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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: FIRSTBANK PUERTO RICO
State: PR
Product: Credit card
Issue: Billing disputes

Complaint:
Last year I had a complain with XXXX on XX/XX/XXXX. ( I have the case number and a copy of the letter ). They sent a letter to you and I received it, where they explained what happened with my payments, a letter with explanations, and they did the corrections. This month XXXX is been calling me again asking for the payments of XXXX and XX/XX/XXXX, I called the agency XXXX XXXX XXXX and they have prove and copies of the checks that they sent to the bank, they said that they sent the check of XXXX or XXXX but they did n't adjust that payment, they called the bank, and they still waiting for a response. I called the bank and nobody fix the problem, I ask many time for a bill of both credit card and only received XXXX of them. Once again I have the situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have been dealing with this issue since XXXX, I purchased new XXXX XXXX in XXXX the financial company was XXXX making payments to them and guess they went out business and a XXXX party took over their loan long story short XXXX  is still on title, this car loan is not on my credit report and has not been since XXXX I have been reaching out westlake portfolio management is the XXXX XXXX and I have been getting the run about my title. XXXX is saying their is {$0.00} balance and it shows void/canceled when I asked what does that mean they are telling me they never received it from XXXX and that XXXX XXXX has it I have contacted XXXX multiple times and they have insured me that never had it I gave them my full name, XXXX, and Vin number that dont havent Im just trying to Lien release or a letter of. Non secure interest to give to the DMV to remove XXXX off my title. I have tried talking XXXX but getting the run around and now Im being told its nothing they can do because they received anything form XXXX and that it went XXXX XXXX XXXX Id their anyway yall can help me get this issue resolved never received emails or phone calls or anything mail they said what was going on with XXXX I found out because I had called them and that was there automated response and it redirected you to XXXX and that was in 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 2019-05-17
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Took out this loan with company to get cabinets in my new home. Contractors came directly from them and they were not new. They were installed by them directly and I never had any money exchange from them either. I was given an agreement to pay a certain amount and was doing good until I got medically sick and could no longer keep up with my payments. I was asked to have them withdraw this amount of my account and i agreed with a lower payment plan. They inputted the wrong information and was in default because of there wrong doing. I attempted to get a loan elsewhere to open up a business and was denied because of the negative report. Although I am in a repayment plan again, I called and ask for a payment history and was told they can not provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This is a fraudulent number that calls me everyday pretending to be XXXX. The number is 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 2022-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX. See Attached Documents. This corporation is in violation.

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 2015-04-30
Company: Receivables Performance Management, LLC
State: WA
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:
Hello my name is XXXX, the reason i am writing you today, is I truly believe i was deceived and scammed by XXXX ... .back in XXXX of XX/XX/2013 I saw a great deal on TV for {$19.00} a month for 6 months and internet for {$9.00} when you bundle them together ... When i spoke to the representative he insured me that this deal was going on ... I very clearly asked him ... if I, order service from you i ONLY want to just sigh a ONE YEAR deal, and i asked can i do that?? ... and he replied of course you can and signed me up for a 12 month contract ... well what end up happening was they lied to me and just signed me up for cable not internet ... .because my bill was {$29.00} a month more then we agreed upon ... and they said you never bunddled so i was over charged and had to fight with them to credit it several times ... when i had enough of the over charges i deiced to cancel there services one month early of the one year contract ... but what i did n't know was when they XXXX installed my service and i signed the giant pack of papers they gave me to sign they roped me into a 2year contract in which i was never informed about and they never told me when i cancelled ... so now they clam i owe them an extra {$280.00} for terminating my contract early plus the collect agency fee, which i been receiving in the mail..and I spoke to someone in there headquarters and they just told me " when you signed the order you agreed to the extra year '' ... sorry..I just found out that the FTC charged them with Deceptively Advertising. so i thought i send you this letter ... .if you have any doubt on what i am saying ask them for you to listen to the tapes you have my permission and thank you for hearing me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A perpetrator opened a checking account and credit card in my name with Bank of America.

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 2017-05-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used car from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. The Finance Manager unable to complete ALL of the documents that day. Took my Deposit of over {$4000.00} and told me to come back the following Friday XX/XX/XXXX, when he would have the final paperwork done. I showed up, he was n't there, he left NOTHING. I called him several times and then on XXXX XXXX 2017 I sent a fax to their general manager, XXXX XXXX. He finally got ANOTHER finance manager to XXXX ( took a few days ) me the final paperwork, which I signed on XXXX XXXX 2017. The problem, is they and they 're Bank started the loan on XX/XX/XXXX. They were sending me past due notices for 2 months on XXXX XXXX, 2017, BEFORE the paperwork was completed. I have called the bank, chatted with them ( copy enclosed ), they have done nothing. You see they are " Sub Prime '' lenders and are taking advantage of me. I do not have perfect credit, and that is why they 're charging me over 18 %. I am trying to repair my credit, but these people are liars and sharks. How could they start the clock ticking when paperwork was not finished due to incompetence by the dealer 's finance department. This loan should not be past due, it should have started on the XX/XX/XXXX, when the deal was  finalized. I need them to FIX this, refund their charges, make this loan current ( IT SHOULD BE ) and contact credit bureaus and send me an apology. Or Better Yet, Explain to You, The Government what they are trying to do. this is abusive by both parties!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
Citi Bank Thank You Credit Card Raised Interest rates as follows WITHOUT ANY NOTIFICATION XXXX/XXXX/XXXX : XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX : XXXX Without notice or anything via email or mail- They raised the interest on all charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received phone calls from these credit collectors from time to time even though I disputed the amount they are collecting.

I felt being harassed by these collectors, calling using unknown caller IDs. Today again, a female collector from Midland collections says she has the right to call and collect a debt. And they are authorized and can resume collections anytime by the Fair Debt Collections Practices under section 809. non-stop harassment? Why is that?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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 XXXX Account 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, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation