BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collections is attempting to collect a debt that is owed to them by a business I was previously employed by for a cell phone account. I have attempted to contact Amsher by phone at numbers provided and on their website which ring as if a personal phone and nobody answers. I sent email correspondence which was never replied to even attempting to settle debt that is not mine. I have requested debt validation which was never received. They have told me to call original creditor who then tells me to call collections agency so I am unable to get in touch with anyone who can give me solid answers and provide a resolution to this credit matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021, I tried to log into my XXXX XXXX card account at https : XXXX. When I went to log in, it stated " Were sorry. Due to the status of your account we are not able to grant you access at this time. Please contact our Cardholder Service department at the number on the back of your credit card. '' I did just that. They went on to tell me the card was reported lost/stolen and couldn't say by whom. I DID NOT report this. They went on to say another card will be sent to my address. I was like ok. Weeks go by, NOTHING. I called back and they said the account was reportedly opened fraudulently. I went on to tell them, I was the one that opened the account and there was NOTHING fraudulent about it. After another call, I was advised to call and speak to XXXX at XXXX ext XXXX. After a week, I was able to speak to him. He stated it appears the account was opened fraudulently. I advised I approved this application and applied for it. He was confused. I again told him I applied and wanted this account as I have made purchases and made payments from MY bank account already. He said great and was going to close the fraud investigation and to call customer service back to get a new card sent to me. I called them back, they said they can not reopen the account as there is an investigation. I advised it was just closed by XXXX. Nothing they can do. Was also told to fax a letter stating I applied for the account and there is nothing fraudulently with a copy of my drivers license and SScard. I did just that to XXXX. Still no reply. Weeks have gone by and no-one is helping me. It shows as CHARGED OFF on my credit. I am willing to pay this account. I would like for it to be reopened so I can continue my business with 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 2022-03-08
Company: EQUIFAX, INC.
State: DC
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 is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
OnXX/XX/XXXX I visited TD Bank branch in XXXX XXXX XXXX to complete international wire transfer. Employee XXXX was assisting me, I specifically requested the funds ( USDXXXX ) to be transferred in USD, while performing the task, XXXX XXXX me that the funds " switched to CZK '' when I asked why, he stated he did not know, I told him again, I really want him to transferred in USD, he replied that it would transferred to CZK and asked if I want the transfer to be completed or not ( misleading me to believe that the XXXX bank may be the issue, and there is nothing he can do ). As I was led to believe that there is no other way to complete the transfer than in CZK, I agreed. By this exchange transaction, I immediately lost approx XXXXUSD, resulting in further loss of another XXXXUSD when the funds had to be transferred back to USD in the bank in XXXX. Since I was led to believe that this was XXXX bank issue ( and not TD ), we contacted the bank and was advised that the transfer was incorrectly performed by TD. When I contacted the TD branch, I was advised by the assistant manager XXXX, that the funds can be easily transferred in USD, that the system is just " a little tricky '' and if the funds are converted, you have to exit the transfer and start again. When I contacted the manager of the bank, she was rude, uncooperative, and when I met her in person and spoke to XXXX, he was lying about " offering me to exit the transfer and re-start the transfer in USD '' ( which he certainly did not, nor was he probably even aware of the issue at the time of the transfer, and it was exactly what the assistant manager advised me prior, and I repeated to the manager when I talked to her on the phone earlier that day ), he said that I was fine with transfer in CZK that I really did not care ( not true ), and the manager advised me since I signed the transfer form, there is nothing she can do for me. I wrote letter to TD Bank corporate office in attempt to resolve this issue, but never heard back. I am deeply disappointed and concerned with TD process and unwillingness to address this issue. The transfer fee was XXXXUSD ( which would be all I would pay ), however, by the incapability of their employee and/or defective system, TD instantly gained additional approx. XXXXUSD by converting my money to foreign currency. It certainly raises a question how often this happens ( I doubt I am the only one who experience this issue ), and if TD is aware and just does not want to correct this issue ( there certainly was not any effort on TD side ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2022 I notice someone access my credit with out my permission. I contacted all three credit bureau to add an fraud alert on my report. the companies placed the alert on my report so I thought. this week a company was able to run my company with the fraud alert added. fraud alert is not added and I don't knw why

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has no real basis for putting us in collections for the amount they say we owe. I was in contact with the CEO 's office which got me no where, they are extremely rude. The general manager for the complex in which we lived had a lot of complaints against him for kicking people out because he was upset they complained about him..which is exactly what he did to us! They also put this account in collections ONE MONTH AFTER WE LEFT!!!

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 2017-08-25
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a collection was placed ony account by retail merchants association with a debt of {$940.00} they stated I owed to the city of XXXX XXXX XXXX. I spoke with XXXX today XX/XX/XXXX to see why because at the time when this occured I was a minor and I had insurance. She stated XX/XX/XXXX is when they sent the collection to the agency not when the XXXX ride occured. She stated I filled out information in the XXXX back then which I informed her I could n't have I was a minor. She stated my mother must 've filled it out wrong but my mother never came to the hospital and I never did see a doctor. So she said " if I would 've answered the phone back then they could 've helped me ''. I told her I was a minor and no one answers strange numbers. I told her I do remember telling a representative I was in school during a call an she stated " you remember that from five years ago you must have some good memory ''. She kept stating what I should 've done but I told her I was a minor and she stated you kept hanging up you should 've talked to us. She refused to listen to what I had to say. No paper work was ever filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions Inc.
State: TN
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:
Experian will not remove XXXX XXXX XXXX off my credit report. 
I have report to customer service about my situation. 
I have sent in Police Report. 
XXXX XXXX XXXX use my # SS number and IDENTITY to put on car loan.

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 2022-09-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/XXXX was the day the contract was signed, I did read over this contract and to the best of my knowledge at the time this contract seemed to be a okay. Plus, I was able to ask the finance manager a couple of questions. I have recently become aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). Since the new knowledge I have applied when reading ovr my contract i have seen some inconspicuous things. Starting with 15 USC 1605- Finance Charge. The Consumer credit contract gives a definition that didnt clearly make me aware of what the finance charge is supposed to entail. The US Code tells consumers the finance charge " shall be determined as the sum of all charges '', and further states " The finance charge does not include charges of a type payable in a comparable cash transaction ''. Santander failed to perform by making this clear and conspicuous to me, According to the " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT '' the finance charge is XXXX ; but in the Following section is the AMOUNT FINANCED is XXXX. 
Also in 15 usc 1605 ( c ), Charges or premiums for insurance, against loss of or damage to property or against liability arising out of the ownership or use of property shall be included in the finance charge. Unless otherwise permitted. Santander consumer failed to make this disclosure to me as well. 
another Violation i spotted was 15 usc 1662 ( 2 ) regarding the advertisement of downpayments.i was told by XXXX XXXX, santander would not accept my credit application unless i had a downpayment, which led me to use my car XXXX  XXXX XXXX  ( {$2300.00} ) which is an irreplaceable Graduation Gift and an excess of XXXX FRN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CMRE Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My TransUnion credit score -- - which I paid for -- shows that my credit score is XXXX  ( see attached document ) - which would be not an issue. I also pulled the TransUnion score from XXXX XXXX -- again XXXX ; However, my bank, XXXX XXXX, has pulled the credit score for a loan application from TranUnion and TransUnion states that my credit score is XXXX. 

Which is correct? Why are there two different credit scores? Why would there be such a huge discrepancy between both scores? If my credit score is in fact, XXXX then why would TransUnion not display that -- it can not be both. 

This seems completely unfair -- - they tell me one thing and my bank a completely different story. I think we might hire an attorney to fight TransUnion.

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 2017-08-25
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a 100 % XXXX VET. I have been awarded 3 XXXX XXXX. I have medical through the VA. I XXXX XXXX and was having XXXX. They took me to the XXXX. As soon as I came through I informed them I was a Veteran and that they needed to contact the VA. 100 % of my medical is paid by the VA. XXXX XXXX XXXX  is reporting a medical collection account. I informed them that I had insurance through the VA and the original creditor was aware of that and needed to bill VA. I told them I was disputing the validity of the debt. They did not even attempt to verify this. They immediately started to collect the bill from me. I again informed them that I disputed the debt and they needed to send it back to the original creditor but they ignored me. They sent me a letter. I responded to it again and told them it was wrong. They just kept at me to pay them. They ignored all of my requests. The VA should have paid this bill. The VA was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Credit Karma, LLC
State: MA
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:
I received the email about your current settlement with Credit Karma about their deceptive practices of " pre-approved '' claims. I just received an email, from them, and noticed that they've changed their wording to " you have outstanding odds ''. Seems to me that's just as bad as their " pre-approved '' claims. Doesn't seem like they learned anything from the money they have to pay out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CASHCALL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received a threatening call from XXXX XXXX of XXXX XXXX XXXX ( supposedly an arbitrator for Cashcall ) at XXXX. Threatening to file paperwork with the courts for a warrant and lien on my sister 's home ( by next Tuesday ), allegedly because her name was on the application as a co-applicant for a payday loan, but did n't have the information for the loan. She offered settlement arrangements on a {$5000.00} debt to avoid court but would not accept that I wanted it done in writing and that I would not be putting anything on a credit card. Hung up with an " We 'll see you in court ''. Then called my sister and told her to make a deal to avoid losing her home, even telling her that she should file a police report against me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-03-24
Company: Navient Solutions, LLC.
State: MI
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 requested several time that Navient correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from Navient dated 2/19/2021 in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Purchased a service from XXXX XXXX XXXX onXX/XX/XXXX and paid for the service by using PayPal credit but never received an invoice either by US mail or by email from PayPal credit until earlier this week when an invoice came in the mail. Based on past PayPal statements on their web site PayPal charged me {$22.00} interest during the XX/XX/XXXX to XX/XX/XXXXbilling period but never got an invoice. Then they charged me duringXX/XX/XXXXtoXX/XX/XXXX billing period a {$25.00} late fee and {$3.00} interest and then during the XX/XX/XXXXtoXX/XX/XXXX billing period they sent me my first invoice in over 6 months with a {$38.00} late fee and {$4.00} in interest. Bottom line I was charged {$93.00} for late fees and interest and I never received an invoice until a few days ago and I then paid the balance in full which was {$280.00} Paypal Creidt told me that they sent an invoice every month for the past 6 months but until recently I had not seen an invoice or email or voicemail from PayPal that I had a past due balance. Paypal is dishonest based on the {$25.00} million they paid your agency two years ago XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief