BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter from Aldous & Associates regarding XXXX XXXX, on XX/XX/XXXX in the amount of {$290.00} offering a 50 % reduction if paid in full. I requested a validation. No validation sent and they then reported me for 3 separate accounts for {$630.00} to credit bureaus. I sent a CFPB complaint and received back 3 contracts, One was back from XXXX which does not have my signature which makes this contract NULL AND VOID. The other contract for {$160.00} was from XXXX which again does not have my signature the signature is literally a one line scribble, the 3rd contract XX/XX/XXXX was a month to month which was paid for two months and the gym closed due to covid XXXX- XX/XX/XXXX. XXXX sent an email stating due to the covid closure the accounts were frozen and no membership fees charged. I called and canceled in XXXX of XXXX after I saw that the kids club would remain closed and it was limited access on appointment only. They sent an online agreement when they reopened I never signed due to reasons just stated. the kids club remained closed which they still charged me for. At no point in time have they sent me a statement detailed as to which months I allegedly owe them for. Due to my calculations, the two contracts without my signature are null and void, the XX/XX/XXXX I paid for the two months they were open and due to closure and not fulfilling their portion of contract, my cancellation in XXXX should leave me at XXXX to pay the,. See attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMSHER COLLECTIONS SERVICES, INC. has failed to provide necessary request to validate any alleged debt owed to them by the Estate of XXXX XXXX. Not only are they in violation of [ 15 USC 1692g ], they are attempting to do business in a Florida which is a State that they are not licensed to operate which is in violation of [ 15 USC 1692e ] This company has violate consumer law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX received notification on my consumer report indicating I had a collection account with Credit collection SVCS. This is a direct violation of 15 usc 1692 ( b ). I given no consent for this company to communicate with anyone other than the consumer. I've been harassed and abused by this company in attempts to collect an alleged debt 15 usc 1692d ( 1 ). This company has advertised my debt in attempts to receive payment which is a violation of 15 usc 1692d ( 4 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CITIBANK, N.A.
State: TX
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:
Citibank sent me a letter stating that they needed additional information 'regarding my application ' on a card that I didn't apply for. 

When contacted them with the number provided, they just approved the card with no way for me to dispute it. 

I tried to contact their fraud department, but was caught in a Catch-22 because they want my card number, which I don't have -- because I didn't apply for the 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 2023-03-31
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I obtained a line of credit through XXXX XXXX XXXXXXXX and am struggling to make the payments and live. My husband had a job change and our household has taken an income reduction. I am not disputing the debt but need a more reasonable payment arrangement. Payments are due every two weeks and fluctuate in amount but typically range from $ XXXX {$400.00}. They have allowed me to move a payment but then that payment plus regular payment is then due. I am desperate for a fixed payment that I can manage and still feed my family. The interest rates these types of companies are allowed to charge shouldn't be legal. When your credit is less than desirable people like myself aren't left with many options. I borrowed the money and am responsible for paying it back but please have some grace and allow me to do it in a more manageable way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Statebridge Company
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of 2021, my auto loan from now defunct XXXX XXXX XXXX XXXX XXXX was sold to Statebridge Company , LLC to continue the same car payments ont he same due dates. I began sending checks to cover the payments for payments due on XX/XX/2021 and XX/XX/2021. These checks cleared, and my bank paid the checks. I then switched to my bank ( XXXX ) handling the payments through their Bill Pay service starting with the payment due on XX/XX/2021. Again, the amounts were paid, and money withdrawn from my account. On XX/XX/2021, two payments were " reversed '' with no explanation and no refund or communication from Statebridge Company. Now I show 2 payments behind when I am not. Had contact with my account rep but she is unable to solve the issue and billing department does not seem to be acting. Have called Statebridge Company several times during business hours, but they play a message stating the company is closed for the day. I feel as though this company is engaging in very suspicious behavior to potentially glean more money than what is owed from customers which could affect their credit rating and potentially lead to loss of cars or homes due to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: NM
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:
Experian has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.

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 2023-01-02
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : 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 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We transfered {$5000.00} into saving at XXXX XXXX XXXX On XX/XX/2023. But no money received or refunded By either them or bank of America. Where's the 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 2023-01-01
Company: EQUIFAX, INC.
State: MI
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:
Equifax is refusing to follow federal law and honor my police report identifying a fraudulent account that only Equifax is reporting. Equifax before investigated the fraudulent account and removed it after a XXXX investigation from my credit report to now months later begin re-reporting the fraudulent account. 

Upon calling in Equifax to submit a " new '' police report ( because the old one that was used to remove the fraudulent account the first XXXX times is now expired ), social security card and id because everything expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXXXXXX XXXX  XXXX XXXX. The Equifax representative said once received it would be removed again. Instead, it is still being reported, and I received a letter to mail from Equifax in response to the investigation to now mail-in in a copy of my drivers license and social security card ( both of these items were included in the first XXXX disputes ). This is stressful and exhausting the duration that it takes to correct fraudulent information from my credit report. 

Equifax is currently furnishing incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated, determined to be fraudulent and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. 

I am mailing in a copy of my social security card and drivers license in response to Equifax 's request and I am hoping that the fraudulent item can be removed for good this time as is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TrueAccord Corp.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am contacted repeatedly by XXXX at this collection agency : TrueAccord account number : XXXX At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More.

Your support team at TrueAccord wants to help you get your balance resolved XXXX, wed like to work with you regarding your outstanding balance of {$710.00} with XXXX XXXX XXXX because theyve given us a short period of time to help you resolve your balance. 

If a payment arrangement is not set up while your account is with us, XXXX XXXX XXXX may review your account for potential placement with a law firm for legal review. 

I was even contacted at XXXX on XXXX. I have stated multiple times that I purchased the protection to use if unemployed and contacted the credit card company and told them I was unemployed but they continued to charge fees and run up the card. This in my opinion is fraud. When I ask for validation of the debt I only receive a statement that would have been mailed from the credit card company with the balance on it. No paperwork or anything from the initial contact showing I signed up for the protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: SUNTRUST BANKS, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I filed a complaint with you several days ago, got one call from Suntrust and have received nothing since. All I was told was a reference number and somebody would contact me from them. That has not happened.

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 2023-03-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was a victim of a phishing email scam. The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought bitcoin. So I called the number at XXXX to dispute the transaction. The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. They wanted to verify my IP address by sending money through XXXX. This was to verify my IP address. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. The XXXX tag was registered as XXXX. I ended up sending 2 transactions to them. One for {$1300.00}, and another for {$1300.00}. The money was taken right away. They hung up and that was it. I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. I had filed a complaint here but nothing came out of it. Until today I read about Regulation E. It seems I may have a chance through this Federal law. XXXX scams are becoming rampant as of late. XXXX XXXX has been looking into this issue and asking questions. I ask that you please consider my case again and find another reason as to how I can get a refund. Receiving this money would be life changing. I'm looking forward to hearing back from you. Thank you!

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 2019-09-08
Company: Bread Financial Holdings, Inc.
State: PR
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:
Hi : I have two different new inquiries in my credit reports that I discover today thanks to XXXX XXXX. The first inquiry is from yesterday XX/XX/2019, identify as XXXX/XXXX in XXXX, Florida. The second one is from today XX/XX/2019 named Comenity Bank/XXXX &. The weirdest thing is that I am in traveling outside of the states and I have not even used my cards or gave my information to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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  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 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 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 2020-10-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I WANT TO HAVE THESE PRODUCTS REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Figure Technologies, Inc
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/XXXX I received a loan solicitation from Figure.com. The mailing stated how much I could borrow and had the EXACT amount of my present mortgage loan balance. My bank says they do not provide that information which means this company had to have looked up my credit information through the Credit Bureau or some other means. None of which would have been authorized by me. 

I understand that soliciting loans is legal, however, is the manner in which they have my private information without my approval also legal? 

XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, Ok XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: PA
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 just noticed several collection accounts reporting on my credit report. I have no idea where these came from or who's they are.

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 2020-09-19
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
OnXX/XX/XXXX there were unauthorized transactions with my Coinbase and Coinbase pro accounts. I immediately reached out to Coinbase to have my accounts locked. Ive since contacted them following all procedures to regain access to my account showing Ive taken all security measures but theres no luck. Theres no customer support and theres no live agent whatsoever. I really need to gain access to my accounts I still have funds remaining. Case # XXXX Any transactions made on XX/XX/XXXX or after is fraudulent. My last transaction was a deposit to my Coinbase pro account prior toXX/XX/XXXX for {$500.00}. When I logged into my Coinbase accounts before disabling because of the unauthorized transactions I still had some remaining digital currencies that Ill like to access. Please allow me to access my accounts and have someone reach out to me to get this resolved. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted this firm in XXXX for a printout on what i owed. They sent me the printout on XX/XX/2019. I made a payment of the entire balance owed according to the printout. I was told that they would be sending me a letter saying the account was satisfied in the mail. I call The Firm after two weeks of not receiving the letter I asked why I wasn't receiving this letter yet and the response to the collector was that I still owe another {$70.00} for court costs. But that wasn't on the spreadsheet that I was sent. He said after I paid that they would send my letter. I find it's ridiculous cuz this date was four years old and I finally got to pay it off just to find out they won more money. I demand that the {$70.00} be taken care of and my letter be sent to me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation