BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Penn Credit Corporation
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This account was previously removed from my credit reporting files, over two years ago. I was never notified in regards to this account being reinserted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital has been trying to collect a debt that is not mine I do not know this debt they have been doing this for 25 years it was through XXXX telephone company I do not recognize the address the way they spelled my name was wrong and they had the wrong phone number I do not recognize the phone number that was dealt with this account or the name the way they spell my name is totally wrong they have the wrong last name misspelled every time I dispute this they put it back on my credit report if this has kept me from getting the home for the last 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did not authorize a credit pull

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: National Credit Systems,Inc.
State: AL
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 never informed me of my right to dispute my debt. I found out I had a collection against me by recently pulling my credit. Our initial contact was XX/XX/2015. I have 30 days to dispute after our initial contact. I sent them certified mail which was signed by XXXX XXXX stating I need validation that they are liscensed to collect a debt in alabama, proof that they own the debt and the debt is mine .They then sent me a letter dated XX/XX/XXXX that only stated I owe XXXX sent by XXXX XXXX. The letter did not break down what I was being charged for nor did they include the original creditors address not did they proof they own the debt. I called them thursday XX/XX/XXXX and spoke with XXXX XXXX to let them know this is not proper form of validation. They then sent me another letter stating I now owe them {$2200.00}. This is false representation of a debt which violates the FDCPA. Attached with the letter was a copy of a lease. On the first page of the lease was a move in/ move out check out list THAT DID NOT HAVE MY SIGNATURE, it was signed by another person. I am being charge for damages to a property when my signature was not even on the move in or check out list.There were XXXX signatures on the last page of the lease that does not look like my signature. I never agreed to these charges. This is not my debt and they are breaking the law by falsely representing a debt as well as deformation of character.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out an unsecured loan in XXXX at One Main Financial previously XXXX XXXX. In XXXX I refinanced loan. The principal on the account was {$7900.00}. I have been paying on the loan for 5 years and they say that I still owe {$7200.00}. They are now threatening to turn the account over to their legal department andI have my wages garnished because we are 2 months behind due to my hours at work being cut by half. To date we have payed close to over {$11000.00} on this loan, it should be payed off or almost paid in full by now. We have been making payments of $ XXXX/month for the life of the loan. When we asked for help, for one month they wanted to refinance the whole loan again and wanted the title to my car and I declined that offer. That ris when they threatened to garnish my wages. Also I have noticed that when I make the payment, they hold the check and run it thru the bank after the due date so that they can charge me a late fee and add interest. This seems to me that there is something that needs to be done. I am not saying that I do not owe money, but I know that I do not owe them over {$7000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX XXXX. I currently have an XXXX XXXX with Westlake Financial. To date, XX/XX/2022, I have received several threats regarding repossessing my vehicle, regardless of 5 or 6 days past due. This company repeatedly threatens to repossess the vehicle or make a payment, verbally. 

I am completely at a lost for words. I advised him that I would like to make a payment and he continued to directly ensure that it was out for repossession. I explained that I Today at XXXX XXXX XXXX XXXX I spoke with a representative XXXX and he explained that I do not qualify for any type of assistance and that my car is out for repossession. 

I have called several times repeatedly requesting for help ( numerous Westlake Representatives ) for status information, a return call from various negotiators as well as your Presidents contact information and/or the Department that handles Escalated matters such as this one. 

Please understand, I am not seeking any sort of sympathy, only assistance to get back on track. I am disheartened at how this company treats people during a pandemic and attempting to get back on track. I have been unsuccessful at obviously getting to the accurate authoritative person to provide me information that is a reciprocated interest, other than continue to mention repo. I was told that my last payment would bring my account current however, today, I was told conflicting information. 

To this day, I am very uncertain on how I was approved for a deferment and now I'm in repossession status. The company will continue to call and hang up when attempting to speak with a supervisor. 

I am humbly asking, once again for contact information for your Presidents office. I'm also advising you that we are taking necessary steps to seek the attention to my situation, because I am very certain that we are not the only auto owners that are being threatened. 
It is my opinion that because so many families are facing financial hardships that your department is so overwhelmed, and some files are not being properly handled and/or worked. It appears to be so much easier to decline or push a file off by repeatedly stating repo. 

It is my intention to work with Westlake, not build a fence between us. 

Respectfully, 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 2022-02-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from a Wells Fargo phone number on XX/XX/2021 with someone who claimed to be a representative from Wells Fargo. He asked if I, or someone, had charged {$3000.00} in Minnesota from my account because there was a charge, even though I could not see it from my WF app. I told him that was not me and he sent me a confirmation text with a code to read back to him just like Wells Fargo does, making this fraudster more believable. He then walked me through the steps to XXXX myself the {$3000.00} saying that it would reverse the payment so the money was not removed. The money disappeared from my account and then he assured me that it would be back in my account within 24 hours. When it was not, I called Wells Fargo and they informed me that nobody from there had called me and it was fraud. I called the fraud phone number of Wells Fargo and each time they opened a claim it was closed for unknown reasons- nobody even notifying me that it was closed or that I wasn't getting my money back. I talked to someone in person at Wells Fargo who also was of no help because everyone was telling me this situation is not considered fraud. I received an email recently explaining this exact situation and to beware of fraudsters that will take money by XXXX and to call the Wells Fargo Scam & Fraud line ASAP. I did that many times and nobody is helping me! I can not lose this money and it is not my fault that someone was able to access my information and manipulate a Wells Fargo phone number to steal money.

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 2017-05-31
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,    2017  I received an alert via email of a negative collection account reporting to my   XXXX    report. I immediately checked my reports to see t hat Convergent Outsourcing had lis ted an account to my report in the amount of {$130.00}. I have had no previous dealings with this company. No calls, no letters, NOTHING and they just decided to report a negative account. I sent  Convergent Outsourcing  a letter on  XXXX / XXXX / 2017 , via certified mail #  XXXX   XXXX   XXXX   XXXX  in which they received on  XXXX / XXXX / 2017  to validate this alleged debt. I also sent this letter via fax and also to the companie s executive team  via email for prompt response. I educated Convergent that they had 30 days to respond to my letter or that they should delete it. Pe r the FDCA, a debt collector is to notify the credit reporting agencies that this alleged debt is being disputed and can not continue to collect or report this alleged debt until they have provided verification. Convergent failed to abide by these rules. They continued to report, and update this alleged debt to   XXXX   ( la st update on  XXXX / XXXX /  XXXX   ) before even responding to my letter. I did not hear anything from this company for over 40 days from the date they received my correspondence. On  XXXX / XXXX / 17 , I sent  XXXX  a request to have this negative account information deleted immediately due to no response from Convergent Outsourcing, and their above violation. Today  XXXX / XXXX / 17 , I received in the mail a copy of some sort of bill which listed inaccurate information. It did not verify debt, nor did it show proof that this is my debt, as it is not, or any legal binding agreement to convergent outsourcing. I am extremely disappointed that Texas allows deceitful scamming c ompanies like Convergent Outsourcing to target its residents.

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 2016-12-22
Company: Allied International Credit Corp., (US)
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied repeatedly called multiple times per day some times multiple times within minutes back to back in an attempt to harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 Reported fraud transactions that was not made by me or my spouse, then it kept going till XXXX XXXX! Called Amex again and asked them why are there more charges?? Well the person I spoke to on XX/XX/XXXX guess never closed the card and issue new card. Theyre were tota 8 transactions to a company that was in a different country. Youre talking about few thousand within 4 day time frame. Called American Express and reported, they credited back all 8 transactions. Then XX/XX/2021 out of the XXXX charges, 6 of them were charged back and have to pay. I reached out to Amex and asked them to reconfirm and the live chat customer service assured me that all 8 are credited back and I would not be charged. Then reached out again and ask them why only 2 transaction out of the 8 were disputed, which doesnt make sense! Who ever had placed the 8 disputes had obviously did it wrong and file all as unauthorized, but 2 transactions. All 8 transactions were unauthorized charges with same problem, same story, from same person, but only 2 got disputed. Makes no sense. I called multiple times and was told they re-opened for further investigation. Then had called asked for status and got the run around and was told again would need to re-open for investigation from back office. Which means the first time it was never re-open for investigation. Every time I call back for status, they keep saying have to wait and get answers from back office. Was in middle of buying a house and we couldnt have this high balance our credit report, by the time we had to close on our house. The lender would not approve and we could not close on the house unless we pay Amex off in full. So we had no choice but to pay what was outstanding, plus XXXX that was supposedly still under investigation. We have yet heard from Amex and was so tired and overwhelmed. Finally closed on our house and because of this, it have hurt us bad which caused us short on funds to take care of other bills. Then Amex lowered our credit limit due to other high balance/payment issue. Well guess what? Amex you are the caused how I started to fall behind. Below are the dates and amount of transactions. We have been with Amex for years and never have had experience with such bad customer service until this past year. Had ran out of energy to fight and gave up until I found out about how I can repot to consumer complaint and had no idea could do that till now. 

Unauthorized transaction : XXXX XXXX - {$1500.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1400.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1500.00} XXXX XXXX - $ XXXX disputed  XXXX XXXX - {$1100.00} - disputed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent Experian my credit report along with proof of identity of myself with 3 items that they ask. I wrote to them about accounts that are being reported inaccurate and is damaging my credit. Ive sent my credit report priority mail with a letter to dispute accounts that are inaccurate. They responded with saying that they verified it with the creditor however I have not reviewed anything in the mail or have they mailed me anything identifying its a legitimate account or it belongs to me. This violates my rights as a consumer and they arent following Fair Credit Reporting Acts by not identifying the account with me. If the creditor verified the account, than I as a consumer should receive that as well. Experian bureau failed to do so by not explaining anything or send a mail of verification.

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 2016-12-26
Company: Diversified Adjustment Service, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Despite written communication asking them to cease communications ( notice received on XXXX ), collector continues to contact me ( last call received XXXX, XXXX XXXX ). Collection company violated FCRA by not verifying whatever this debt is and by continuing calls after receiving a do not call notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Vinci Law Office, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I had a debt to XXXX XXXX XXXX because I lost my job and had to break my lease. I was never served or notified but then was garnished by their attorney Vinci Law Office. But then I filed for bankruptcy and this debt was covered under that. 
years later, my husband who was not listed on the debt, didn't sign the lease, but he is now being garnished. Just like me, he was not served or given any notice of court proceedings. I am not sure how they got past the statute of limitations or how they were able to pursue a debt against him that he had no responsibility for. They likely are doing this to a lot of people and need to be investigated. 
When it was against me they waited until the statue almost ran, then filed an extension and let the interest accrue to an extremely large amount before garnishing. It looks like they did the same to my husband because the interest is very large and he was given no notice. 
Court filed date:XX/XX/20Interest : {$9000.00} ( How can there be interest when it was just recently filed ) Taxable cost : {$390.00} Less any amount paid : {$950.00} Principle Balance/Total Amount Due : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: PA
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:
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

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 2022-07-06
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by XXXX  and XXXX XXXX using Zelle. The phone number that the scammer used was ( XXXX ) XXXX. They both promoted a business assistant website stating they were able to help with business funding, logos, website, etc. after submitting my payment to get assistance the scammer blocked me and did not do any of the work they promised. This was a Zelle transaction. I used my email to make the purchase through Zelle ( XXXX ). The scammer did not provide any of the services the offered. They used Zelle to scam and steal my money with false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: ARS National Services, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received the same message today. the XXXX left me a voice message claiming they needed to come to my home between XXXX on XX/XX/XXXX to give me some documents and I needed to provide to pieces of ID. and referenced a case # with the last 4 of my SS #. Also said to reschedule the appt ( which I never made one ), then to contact XXXX. Which I contact this number and asked who they were, the guy said ARS. I asked what is ARS and he said they were mediators for a client. I asked who the client was and he would not tell me. I didn't even get this person 's name and on the voice message there was no name or company name mentioned either. I told him, that no one is coming to my home or business and talking with people to get information about me. He told me to " just shut up '' and hung up. I called XXXX number and the message is exactly the same as the XXXX number. I too had identity theft and these guys used my married name which I have not used since XXXX. I don't know about you folks but I am pretty tired of these collection companies. They need to be illegal nationwide. I kept the voice message for evidence.

Company response to consumer: Closed with explanation