BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2022 I cancelled my gym membership at XXXX XXXX fitness in XXXX, Texas. Their website said it was done so I assumed I was good to go. That same month I had gotten a new credit card because I lost my old one. This led to the card I had on file with the gym to be deactivated. Therefore, when I checked my account status on the gyms app the next month, it had said cancelled. Making me believe I was done with my membership officially. However, on XX/XX/2022 I got an email from a law company stating I owed club 4 {$220.00}. I called the gym to see how that could be and they told me it composed of me not paying for my membership and late fees for not paying. This made no sense to me and I explained my situation to them. The manager at the time said there was nothing I could do unless I had proof I went on the website and cancelled my membership all the way back in XXXX. How am I supposed to do that?? So I asked for the GMs email so I could hopefully try to work it out with him. I never got a response. If you look at their reviews their are many complaints about the gym and how it is a scam. Multiple other people have had to pay for not cancelling as well even though they did. Id be more inclined to pay it off and let it go if it wasnt {$220.00}. They are scammers and the GM will not even respond to you. They are very aware of what they are doing. And as of recently the debt majorly dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was a Wellsfargo Auto customer back in or around 2011. I fell behind on payments due to loss of job. Finally was paying back and making payments. I scheduled my final payment through my banks bill pay system the date I told the collections banker I was. This last payment was sent and would have brought my account current. Wells Fargo repossessed my car anyway, even though I was at that exact moment no more than one payment behind. I recently read an article indication that I may be owed compensation due to their predatory practices. I tried calling customer service but without some code from a letter, they would not connect me to a department to see if I was owed anything. The article I read provided the link here as my next step.

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 2023-02-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I made a call back to the number that was forwarded to me with a request to contact a Bank Representative back. I reach out to JP Morgan and Chase bank, who told me that I had outstanding Loans and fees and borrowed unsecured and secured moneys that needed collections. I stated I was the Real XXXX XXXX XXXX XXXX SSN XXXX and I had never mad any account or authorized any payment at any bank because I had been falsely imprisoned at the time the accounts were made. 
in XXXX - from XXXX till XXXX, from XXXX till XXXX then I was Released and have only opened a XXXX account for the purpose of cashing a payroll check XXXX time locally in XXXX Texas. the claimed i have outstanding loans, and Payday loans, and borrowed money that hasn't been payed, and I'm responsible. But I am under Identity Theft as my ssn and identity cards were stolen from the mail box of my mailing address and other people in the city of XXXX has used my identity for yeweh cult style living, and procuring property and businesses, and buying businesses. It wasn't me who did these things, someone whom looks like me. please help. email used was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acounts open since 2015 macys XXXX XXXX XXXX XXXX car insuranse my XXXX report show me all this debts

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 2023-02-14
Company: EQUIFAX, 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 XXXX XXXX acct 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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: Their investigation did not fix an error on your report

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-02-18
Company: Paramount GR Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I took a loan with GoodLeap for a Solar System by XXXX XXXX XXXX. They promised that they would reimburse my loan payments if my Solar wasnt connected by time the payments were to start in XX/XX/XXXX. Everything with the Solar install project was fine until XXXX when I stopped receiving any updates from XXXX XXXX. I found out in XX/XX/XXXX that the company closed down. My first payment with GoodLeap was scheduled for XX/XX/XXXX but I removed my banking information and notified them that I would not be paying until what I purchase was in place. They still took out the payment on XX/XX/XXXX even though I deleted my bank account info from their site. They claim they paid XXXX XXXX in full fir my job and now its up to me to pay the loan and to complete the remaining process on my own. I trusted these companies to install solar and I was scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am making this complaint please do not close it down. Please submit it to the credit bureaus. I noticed some accounts on my credit that do not belong to me. I want them removed.

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 2023-04-23
Company: CCS Financial Services, Inc.
State: OH
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:
I changed car insurance companies. The policy was paid in full upon cancellation. prior to canceling my contract with XXXX, Ihad a new policy with XXXX. I filed a complaint with the collection agency stating that Ive never owned this debt, and they still put it on my credit report, nor contact me any further regarding the information I sent them, I then called the collection agency to find out what I could possibly owe to XXXX because the policy was paid in full and was told that my policy with XXXX did not overlap with XXXX  and it did. My new policy took affect XX/XX/2022, the old policy canceled XX/XX/2022. I followed all laws and rules regarding having continuous car insurance coverage and should have not been billed {$190.00} when I had a car insurance coverage and effect. I ended up paying {$190.00} just to get it off my credit report but this was not debt that I owed and I was scammed by XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MS
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 been working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these XXXX XXXX XXXX  that have no clue what great customer service ethics are. My credit score has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from XXXX ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-01-20
Company: SUNCOAST CREDIT UNION
State: FL
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:
I was scammed by a sophisticated pseudo scam thru XXXX and I disputed 17 charges for which they only claim to do an investigation of which they didn't do and then turn around and agreed with XXXX that it was ok for me to be scam of over 90 thousand dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 accordance with the fair credit reporting act, Transunion has violated my rights. 

Transunion is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report. 

Direct violation of 15 USC 1681B- permissible purposes, as I did not give transunion any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked the company to stop calling because the debt was over 12 years old and had been written off and was not longer on my credit report. They continue to call me multiple times a day using different phone numbers that I keep blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, closed my credit card account three days after setting up a payment arrangement the closed account hit my account and lowered it by over XXXX points on XX/XX/XXXX on XX/XX/XXXX the change started I attached the closed account reporting and when it was closed and the recently updated open account. If this account hits my credit again as closed it will surely lower it again this is unethical due to the nature of tactical measures to obtain Furnishing and Reporting Inaccurate Information knowing the account is closed showing as current when it rectified will decrease my score yet again I called and they verified the account was closed however still showing current XX/XX/XXXX was updated as open. 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 pulled my report and still see the accounts that I have been disputing still appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and demand that these items be removed from my credit report ASAP.

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 2023-02-28
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
several inaccuracies in my credit report. Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have a right to dispute and correct any inaccuracies in my credit report.

After reviewing my credit report, I have noticed several errors that are negatively impacting my credit score and overall financial standing. Specifically, [ provide details of the inaccuracies here, such as incorrect personal information, outdated or inaccurate account information, or fraudulent activity ]. 

I have attempted to rectify these inaccuracies with the credit reporting agencies directly, but have not seen any resolution or improvements. As a result, I am seeking your assistance in resolving these issues and ensuring that my credit report is accurate and up-to-date. 

I respectfully request that you investigate these inaccuracies and take appropriate action to correct my credit report in accordance with the FCRA. I appreciate your attention to this matter and look forward to your response.

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 2023-02-13
Company: EQUIFAX, INC.
State: CA
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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Chime Financial Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX the was a Mobile deposit check that I made with chime bank for the amount of {$120.00} there was a glitch in their system I have explained this since XXXX telling them that it only released {$13.00} they told me to reach out to the issuer of check which is progressive insurance progressive informed me that the check was cleared on XX/XX/XXXX for {$120.00} they have yet to provide me with the release of my funds since I have provided this information they have lied like it was a money order they have said that again I need to get a check from progressive which it has cleared I gave them this reciept number XXXX cashed XX/XX/2023 the reference call number is Chime Re : Phone Call from User ID XXXX. 

I also want to know if I right to sue at this point. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Purchased in excess of {$1000.00} in various Cryptocurrency via www.CoinBase.com between XXXX and XXXX. 

Upon attempting to withdraw funds in XX/XX/XXXX, account was locked and access to funds was revoked. Completely unable to access account funds, or close account. 

Attempts to contact support and their legal teams have produced no results. Funds have been locked in excess of 2 months without resolution. Completely unable to access my account wallets.

Company response to consumer: Closed with explanation