BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
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 was paid

Complaint:
I am writing to dispute charges on XXXX XXXX XXXX XXXX XXXX XXXX bills originating on XX/XX/XXXX-XX/XX/XXXX for the amount of {$68.00}, in addition to a XXXX bill on XX/XX/2014-XX/XX/2014 for {$120.00}. The total amount allegedly owed is {$190.00}. 
I am disputing the charges because I have maintained this wireless account with XXXX XXXX XXXX for over 15 years and have always paid my bill promptly. Unfortunately, my cell phone service had continuously deteriorated month after month for the past 2 years, which has resulted in strained personal relationships and loss of revenue for my business. I have given XXXX ample time to resolve the matter and have even received numerous discounts on my bills in conjunction with the poor service issues that have continuously gone unresolved. They include verified incidences where there was no receipt of missed calls/texts ; frequently dropped calls ; and a nagging XXXX bar of service that followed me wherever I went. Unfortunately, due to XXXX XXXX XXXX 's inability to fix the matter I was eventually forced to port my number to another carrier on XX/XX/2014. 

In conjunction with cancelling my service with XXXX XXXX XXXX I am being forced to pay full price for a final month of deteriorated cell phone service ( {$68.00} ) I received no benefit for, followed by account termination fees which were a result of the company 's own poor service ( {$110.00} ). My 2 year contract was expired, and I was using an outdated iPhone 4. I had refused on numerous occasions to sign a new contract for an upgraded phone as the problem lay with XXXX XXXX XXXX 's network, not my device. After XXXX XXXX XXXX refused to negotiate the matter with me to my satisfaction the debt went to XXXX XXXX XXXX and now onto Receivables Performance Management. XXXX XXXX XXXX has no legitimate basis for these charges and I should not be forced to pay full price + termination charges for a service of inferior quality. 

The account was opened when I was a minor with the help of my mother, although I have always been responsible for the bill. I am the primary on the account and have repeatedly reminded XXXX XXXX XXXX of this arrangement. My mother and I receive harassing calls from collectors and XXXX XXXX XXXX regarding the matter. They frequently call throughout the day, can not provide information on the debt supposedly owed when prompted, and often call and hang up. It is unfair that these collections letter be only addressed to my mother and that her credit score be tarnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Receivables Performance Management, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX sent me to collections immediately after I cancelled my service, I returned their Booster equipment and received credit, paid the remaining {$500.00}, via payments on my credit card. Since then, i 've been contacted by XXXX different collection agencies. XXXX telling me I owe over {$1800.00} to the last XXXX stating I owe over {$800.00}. I have been getting calls as early as XXXX and as late as XXXX, 7 days a week and they have started contacting my employer. I am now on a written warning regarding this issue. When I call I get threatened, obscenities and being told " too stupid to pay my bils ''. I left a final message with them demanding a formal notification of the debt, with proof from XXXX that it has not been paid. I NEED the calls to stop, it has begun to cause my migraines to increase limiting the days i am able to work. 
When I spoke to XXXX on XXXX, I was told they have no record of my debt owed ... so I have no idea what to do. I know I paid off XXXX., they are attacking my credit, my home and now my work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Credit card
Issue: Cash advance

Complaint:
On XXXX XXXX I did a cash advance from my XXXX XXXX in a ATM of my bank. The bank charge me {$3.00} for the withdrawal as if I was using a card from other bank. I did the claim explaining that the ATM read wrong my card. Representative said that fee is correct because is a cash advance. I told that it was n't the first time a did a cash advance that the fee does not belong. The ATM had never charge me when using a card from the same bank. I was aware of the {$2.00} fee that the bank would charge for this. They ended charging me {$5.00} for the transaction. Besides, they never gave a resolution to my previous dispute. 

I 'm tired of all the mistakes they are making in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a loan from santander consumers usa for 72 months. I have made a late payment. When it was time to make a payment i dont see the late fee along with my current payment. They set kept my principle aside and make me make the payment more on the interest then the priniciple. I was told that i have 5 months to go but pay off is more then 5 months of payment. I have never experienced like this before. I wanted to trade my car but I cant due to the screwed up car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Regional finance contacted XXXX of my listed references and discusses how much I was behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to 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 account. With in 30 days.

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 2015-06-03
Company: Receivables Performance Management, LLC
State: MD
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:
there is a collection notice on my credit report for {$420.00} for a cable/ cellular service that I do not have any affiliation with. Trying to get this removed from my credit report. I submitted a request through smart credit for this to happen but creditor will not respondThanks in advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: FIRSTBANK
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To Whom it may concern, On XX/XX/2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XX/XX/XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XX/XX/XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name XXXX into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday XX/XX/XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.

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 2016-12-07
Company: RELIANCE FIRST CAPITAL LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were refinancing a Loan with Reliance First Capital , LLC XXXX, New York, XXXX. It has been 1 year and 6 months to try to refinance!!!! 
They are incompetent, they cover up mistakes their employees make on mis-information on the forms you fill out just to extend the length of the processing.. They double talk you and repeatedly ask for information that you send to them over and over again just to drag their feet on the loan process. We paid them {$650.00} in fees for appraisals only to be denied the loan. 
How long does it take to get a home refinanced? Please, BEWARE OF RELIANCE FINANCIAL. I would not wish this experience that we went through to my worse enemy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Great Lakes did not send me any notice that my loans were due, they alleged that an email notice was sent, I always request my notices by US mail. Great Lakes never called, After 90 days, they sent a letter to me informing me that I am past due. I immediately paid and became current

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Senex information shared personal private HIPPA medical information about my medical condtion with Bureau of Consumer Finanacial protection. 
they provided a document with all medical proecdures completed on me. this is against the law as per HIPPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On behalf of my son, a XXXX, his student checking account was debited by TD Bank for {$440.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe TD Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had TD Bank checking account for long time and this account is charge off on j XXXX XXXX when I call and find out why is charge off. I find out TD bank line of credit was doing ach on XXXX which I did not tell to do ACH. line of credit was saying if I have any time retan the payment we cancel the ACH which is my payment was XXXX on XXXX XXXX after that stop doing ach on my account and a auto ACH start aging from my account on XXXX which bank do n't have any paper work. 
I do n't use this account from last year so I do n't check. without my knowledge how do I know bank doing ACH. now is charge off account and I do n't mind to pay the original amount but I can not pay any fee bank charge after wrong ach done. please call me for more detail. now recovery department was saying branch manage can refund all fee. when I call the branch manage she was saying she can not do it because of charged off account. I just want to get refund the all fee from bank charged to this account after XXXX XXXX and I will pay my balance to bank not any fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After receiving multiple phones calls, Threatening me to pay amount that was already pAid. They told me they would delete Collection from my credit report. They deleted then posted again as a new debt owe for the same collection. Ive asked them to delete and remove this debt but Ive had no success. Please help. Ive asked XXXX  and XXXX XXXX  or better know XXXX  to provide me with documents confirm the removal will be taken care of but been denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: TX
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 ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Daily computer phone messages from The Offices of Arnold Scott Harris asking that I call XXXX. No debt is owed, and I have not received any written notice of any debt. I have lived at my current address for more than 13 years, and if I owed a debt, I should have received a written notice of past due payment. How do I make the computer stop calling? Attempts to call the phone number they leave just leads to more computer interactions that go no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping my limit and was not aware that their inquiries were hurting my credit. I plan to pay off this credit card and never use it again. I feel that they contributed to my credit score being lowered by these inquiries. There are also many other complaints about this card online and believe they should be looked into for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and {$3000.00} in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a XXXX who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of {$3000.00} while i had also taken a loss for {$3000.00} as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The loan was with Great Lakes I paid they transferred to another agency now they transferred to malt her agency o ca n't get any info I get no bills and they keep taking taxesi called the XXXX collections they said another has it I have no info!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation