BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Dynamic Collectors, Incorporated
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was served tonite by a processor server at XXXX XX/XX/23. The court stamps are NOT legible to see where it came from and the date stamp from the court is dated XX/XX/23. Im suppose to respond within 20 days The case number listed by the lawyer representing the collection agency is not real. They are also suing me with a XXXX doe and Im not married they listed marital community. I did a state search and found a completely different case number not even similar, the case number on the papers are only 6 digits versus the 9 digits including letters in the wa court database. The order is also dated XX/XX/23 a month before the order was filed. The suit is for a medical bill for {$390.00} that I havent received any correspondence from. The debtors have also added interest and fees pushing the amount to over {$700.00}. This same lawyer and collector did this previously waited a month to serve my employer after they filed exparte where I wouldve shown up to proof the debt was paid. After they garnished my checks and then had the money returned due to this debt being paid. Also the lawyer and the collection agency work from the same address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a business account at Synovus. 
On XX/XX/2023 there was an unauthorized withdrawal of {$6100.00}. The description on the transaction was : XXXX XXXX XXXX Paymnt XXXX XXXX XXXX XXXX. 
This was reported to the bank on XX/XX/2023. The bank refuses to reverse the transaction because it was not reported within 24 hours of the occurence.

I was not aware that I am required to monitor my accounts 24 hours a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A notice from AmSher sent to me indicating I owed an unpaid balance from XXXX XXXX and never in my life have I EVER used XXXX XXXX. I did not attempt to contact AmSher because the notice had my last name spelled completely wrong. This to me was a red flag and I did not want to be scammed into collecting my information. I researched AmSher and because there is a website, I don't know if this is a legitimate business, but there is also lots of complaints about them. I know that I do not owe anyone any money and that this company is sending me a false claim and it should be reported. I also do not want to be their victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo closed my bank account, they then proceeded to charge my closed account for my auto loan. ( they never once emailed me or messaged me about this matter ) Obviously my auto loan payment was not going to go through because it was set to autopay from the account they closed. 

I have called and talked to them every XXXX  month since this happened. They refuse to let me enroll in auto pay. 

So every month they charge mee a late fee, a processing fee, and they refuse to let me enroll in auto pay so this doesn't happen. 

Not only are they negatively affecting my credit report by putting a missed payment that was there fault for closing my account without notice. 

Furthermore they charge me interest and penalties every month while refusing to let me enroll in autopay from my chase account every month. 

What they are doing is terrible I do not know how they are able to do something like this.

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 2020-03-18
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I bought a charge card some months ago, after about a week or so ago. I tried putting money on the card and now I can not load money into the card and NetSpend is hanging up on me everytime I call. I can not receive the money I got from XXXX  XXXX because NetSpend refuses to answer my calls or return my money from XXXX XXXX? Is there anything I can do or just take them to Court?

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 2018-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account with all three credit bureaus, and none of them have sent me the documents that they received on the collection company owning this account or any documents so I'm able to verify the account is mine. When I call over the phone they say it's verify. The company is XXXX XXXX XXXX XXXX in the amount of XXXX opened XX/XX/2016 and it's in collection. According to section 609 in FCRA they have to show me some type of documents showing the account is mine or Delete account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies.

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Aldous & Associates, PLLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I signed up for a gym membership with XXXX XXXX  ran by XXXX XXXX XXXX XXXX XXXX. Their website is XXXX. On XX/XX/XXXX I sent out the following message via certified mail : XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, DE XXXX Dear XXXX XXXX XXXX XXXX : This letter serves as formal notice of my intent to cancel my gym membership contract number XXXX, dated XX/XX/XXXX. 
I have moved away from XXXX to XXXX and wish to cancel my automatic renewal. 
I expect to receive written confirmation of my cancellation within 30 days. If you have any questions, please contact me at XXXX. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX On XX/XX/XXXX I received an email from customer care stating the following : We have received your request to cancel. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your mail ) I then called that same day, XX/XX/XXXX, and confirmed with a club employee that my membership was canceled and I did not have to do anything further. 

I was then told on XX/XX/XXXX via email and mail that my alleged debt was sold to Aldous & Associates and that I owed {$110.00} of past due payments which is incorrect. I was fraudulently charged and this false debt has now been added to my credit report. If this matter is not resolved I will escalate this to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Wells Fargo reports a closed account to all 3 consumer credit agencies as a charge off on my credit report even though they collected full balance payment from me on XX/XX/XXXX. 

I've requested they change the charge off status and report it accurately as paid but they insist on keeping the reported status of charge off because it's how it was initially reported. They said the fact they collected full payment after their initial reporting doesn't matter because it came after the original reporting. 

I believe this is inaccurate reporting of key facts and they maintain that status to persecute me for past missteps. It has been 3 years since final payment was made and in that time I've been denied credit from numerous creditors as a result of this reporting status. They're intentionally causing me financial harm.

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 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was requested to send a letter of explanation with regards to clarification of a bank statement I previously submitted. I emailed the explanation to them. 

I also left two voice messages with the escalation department with no return call asking for a status on the loan modification and suppression of credit reporting. I followed up with emails in addition to speaking with loss mitigation. 

The most recent request in lieu of a loan modification, I inquired about the Cares Act Forbearance as I had not taken a deferment with 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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM Bus Admin - XX/XX/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 non-monetary relief
Consumer complaint received 2017-05-08
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: Account information incorrect

Complaint:
In  XXXX   2017 , I submitted a dispute with the  XXXX  credit reporting agenices that the information  XXXX   XXXX  is providing them regarding my account is inaccurate.  XXXX  of the  XXXX  reporting agencies investigated my request and  XXXX   XXXX  repsonded to their investigation claiming the information they submitted was accurate.     On  XXXX   XXXX ,2017, I sent a letter certified mail with a return receipt to  XXXX   XXXX   XXXX  requesting them to provide me account information on a foreclosed property that they serviced a loan on. I informed them I was directly disputing the information as I did not think the dates of last payment and the dates of foreclosure were accurate. As per the RESPA, I requested them to acknwlegde my request within 5 days and to provide me a response within 30 days. Additionally, during this time, per RESPA  XXXX    XXXX   should not be reporting any information regarding late payments to the credit reporting agencies. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  recieved my letter. On  XXXX   XXXX ,2017 I received a letter from  XXXX   XXXX   XXXX  dated  XXXX   XXXX , stating that they would not process my request for them to provide my account information becuase the letter that I submitted was not signed. The letter I submitted to  XXXX  was initialed by me. On  XXXX   XXXX ,  2017 , I faxed over a signed copy of the letter, and I also sent another letter via certified mail return receipt that was recieved by  XXXX  on  XXXX   XXXX .  XXXX   XXXX  did not respond to my account inquiry, however on  XXXX   XXXX , I was notified by Experian, a credit reporting agency that  XXXX    XXXX    responded to their investigation and advised them the information they were reporting was accurate.

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 2019-01-20
Company: Kashable LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Loan ID # XXXX Predatory practice during this current Govt Shutdown. Sells and markets to federal employees and it's business model is geared toward federal employees and will not assist nor work with loan holders during this government shutdown. Only offering to waive late payment fee. 

Kashable 's actions and response prove they are determined to ruin the credit of fedral employees with negative credit reporting during the Government Shutdown. 

Lenders across the USA are offering assistance by delaying negative credit reporting. But Kashable, who markets TO federal employees will not help in regards to preserving the credit profiles of its government customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I first had a checking account with Wells Fargo in XXXX and it was closed and other accounts were opened up in my name without my consent. In XXXX I opened an account with them and it was closed with in a month without any explanation. I was finally able to open up a clear access checking account in XXXX and haven't had any issues with them they were my main bank account and I was told because I submitted too many claims that my accounts are being closed. Which I asked them why am I being punished for opening up claims when the claims were for packages that were supposed to be delivered to my house and I didn't receive the packeges. I told them I have went and asked the community manager if I she has received any package and they say no. I will call the companies and they would say well you need to get in contact with the carrier and when I do they say it was delivered and sometimes they are delivered to the wrong address and I have asked around but nobody has seen any of 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 monetary relief
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: IA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Tuesday, XX/XX/XXXX we were trying to purchase two tickets via XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX playoff XXXX XXXX game in XXXX XXXX on XX/XX/XXXX. 
I received a text message at XXXX that said : Chase : We declined {$410.00} with card ending XXXX at XXXX XXXX Was this you? Reply YES or NO. 
I did not see that text until XXXX and I replied YES and received this response : Chase : Thanks. The transaction wasnt completed.. 
Because the response said it wasnt completed, we requested and purchased two more tickets right away. Also, because it was an online transaction, there was no way to verify if the transaction had been resubmitted. 
That same evening I checked my Chase credit card account online and noticed that I was charged for two transactions from XXXX when I only wanted one. 
I then called Chase and was told that the first purchase was approved at XXXX!!!! I was also told there was nothing we could do until the purchase had been processed and that it would take XXXX hours. 
In my opinion there are three reasons why I shouldnt be responsible for the {$410.00} charge : XXXX. I received the text back that said the transaction wasnt completed so we did it again. 
XXXX. Why did Chase approve the charge at XXXX when I didnt respond until XXXX? If that is the case, then Chase has some serious problems with their fraud alert system. 
XXXX. I dont understand why if something is found out right away that is incorrect and is prior to the event starting that a charge should not be able to be reversed? I knew there was a problem, and it should have been resolved that night by Chase. If that was the case, this never would have happened. 
My dispute isnt with XXXX but is with Chase. We purchased additional tickets based on the false information that was sent via text message. It is because of this that I do not feel that I should be charged for the {$410.00} tickets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my report : BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On  XXXX / XXXX /17 I filed a complaint with TransUnion in regards to  XXXX  accounts that were reporting on my Credit Report inaccurately as these accounts were not mine. I requested TransUnion to provide sufficient information to investigate the disputed information, and they did not provide me with whom said accounts were verified with along with their contact information. The following accounts have not been properly investigated by law : Chapter  XXXX  Bankruptcy Maryland   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   These accounts have bee n labeled as Dispute n ot Specific however they were also considered " verified. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an email saying that I still owe XXXX after my card was paid off and they said that it went to the full amount of my XXXX XXXX XXXX XXXX XXXX  I called the number in this email Im not receiving any information back but my email is saying I still owe the full amount so where did the XXXX go? 

I had my card stolen. They shouldve still withdrawn the {$35.00} because the new card was linked with the old account number. They shouldve never even missed a payment.

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