BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter receive at my residential address dated on XX/XX/2023 from American Coradius International LLC  ( toll free : XXXX ; address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) attempt to collecting {$32.00} for creditor " XXXX, XXXX ''. 
Within the letter claiming " Call or write us by XX/XX/2023, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' which is an unethical practice forcing the letter receiver to act or else assuming all information is correct. 
I post complain on the XXXX XXXX XXXX and received following correspondence from the said company : " Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International LLC. All issues are researched thoroughly with extra attention to the customer perspective. 
Based on XXXX XXXX concerns, we have ceased all collection efforts, and the account will be closed and returned to our client. Our investigation of the account and information you provided ( your e-mail address ), indicates that you may have been a victim of identity theft. The e-mail address provided to us by, XXXX XXXX XXXX, does not match the address you provided in your correspondence to the XXXX XXXX XXXX 
We have provided XXXX with a copy of this complaint and our response. XXXX, XXXX XXXX, have any questions, we kindly ask that they contact, XXXX XXXX XXXX, and allow them the opportunity to address any additional concerns they may have.

Thank you for bringing this matter to our attention. We apologize for any inconvenience that we may have caused. 
Sincerely, XXXX XXXX Director, Corporate Compliance '' Problem is never once my e-mail address was disclosed in the physical letter sent to my correct name and physical address. I was never contacted by the creditor " XXXX XXXX '' prior to receiving this letter nor it's possible for me to incur any debt from XXXX XXXX in the past. Furthermore, the creditor " XXXX XXXX '' has no balance due under my name. Similar tactics and experience of such practice from this company ( claiming collecting money owed from " XXXX XXXX '' ) is easily found from XXXX 's official website under its Community Discussion Forum ( see link " XXXX XXXX XXXXXXXX '' ). 

This is a very time consuming encounter for person at the receiving end of such letter not to mention the possible stress endured causing by such practice from this company.

Please see to an end for such practice.

Thank you An concerning Federal law enforcement employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since late last year I have had trouble with the incompetent grifters at Truist Bank. First they refused to pay a promotional amount as contracted, Finally paid after CFPB was contacted. Second billed the account erroneously for over {$3000.00} and took 3 months to semi-remediate it. CFPB has marked the matter closed when really it isn't. The bank capriciously removed {$120.00} from my checking account by means of a double charge. When caught they did not return it to the checking account it was stolen from. They listed it as a credit to the credit card account. I after waiting for the bank to correct the latest in a long line of mistakes, sent the credit to my checking account and now have been billed {$10.00} for taking MY MONEY and putting it where it should correctly be.

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 2023-07-27
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am behind on my account and was told that they couldn't promise me for payment for a specific day that they would have to keep calling me. They have called me at least twice a day since I became past due. I would answer at least once a week to let them know that I was still working on it and yet they still called my references and asked them to have me call them back. Once I talked to them on Thursday and on Monday morning the called my son. I finally had to call them and asked for a cease and desist on my account. I am still receiving daily calls and voice mails which I have saved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX car note should not be reported on my credit report as a closed account after seven years according to Federal Truth In Credit Reporting Disclosure Act and FTC Law. And, XXXX XXXX collection account is incorrect and is been paid as agreed cable bill not in collections.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: DISCOVER BANK
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The series of events here are indicative of a bank weighing risk, making their buck, and completely disabusing a customer of their humanity. 

Discover closed my credit account I've had open for four years. In four years I've never missed a payment, they've made plenty of money off interest from me, and I've not had any complaints. 

In XXXX  I paid off an {$8000.00} dollar balance on my card after using a balance transfer they assessed a {$500.00} dollar fee on for terms of payment over a year without fees. I paid that entire balance off in the same month I transferred it. 

In XXXX they closed my account without notifying me, although they said they left a voicemail. The timing of this is incredibly suspect. 

This was an account I had spent the last four years building and arguably my largest available balance by far. I am currently in process of purchasing a home and this is going to tank my score based on credit utilization. In addition to this, I still owe them money from the balance transfer and they won't waive the rest of it. 

They nickel and dimed me ( an expression in this economy ) for late fees, transfer fees, and interest on transfer fees. Then they dropped my account. 

This really feels like they weighed the risk of maintaining me as a customer, decided they got their money ( and then some, ) and then scooted me out the door. " There is no way anyone above me in any department can waive this fee for you. This is not a customer retention issue because you aren't a customer. Your account is closed. I'm sorry to hear you aren't interested in opening another account with us. 

I didn't elect to close my account. You just randomly decided to verify it for the first time in four years and didn't hear back so you closed it out from under me after collecting your money. 

This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent all the paperwork required by the ftc as stated in their recovery steps on the website! TransUnion did not remove!? I called TransUnion and the man said he can not remove The adverse accounts only can file a 4th dispute!? TransUnion has not removed the adverse after over 30 days and did not pass on the information to the other 2 CRAs I am a victim of identity theft and sent paperwork, police report & proof of identity -drivers license but it remains on my report and he said he can only file yet another dispute asking merchants to remove? 
i wasnt asked if I wanted identity theft so why should it be up to the merchants to remove me from the report?

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 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Inquiries to be deleted listed below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have XXXX XXXX dollars in Wise ( previously Transferwise ) they ask on XX/XX/XXXX for proof of address, I sent them over several documents including bank statements and my ID, at first they said it will be XXXX days now I have been calling them for more than month asking for an answer about my case and always the same, that they are reviewing it and still nothing, I moved to a new a place and had to get a loan to pay for all my moving expenses and new stuff for the house having XXXXXXXX XXXX in a bank account, and now I am struggling for pay my bills having money, this I think is out of control, is not fair to me or my family, hope to get an answer from you and that this complaint help to speed up things, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: GA
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:
Im a victim of identity theft. I notified Equifax of this unauthorized account that was opened fraudulent. Ive provided Equifax with police report in XXXX XXXX.Ive also provided an affidavit in XXXX. Ive filed several disputes. Equifax continues to report fraudulent information on my credit report. The name of this fraudulent account is XXXX XXXX XXXX ( a debt purchaser ) with the amount of {$18000.00}. This company purchased this fraudulent debt from XXXX XXXX XXXX XXXX. This fraudulent account is on my credit report under collections. Ive suffered for XXXXyrs unable to buy a home or get other credits because of this fraudulent account & other fraudulent accounts Ive disputed. Im XX/XX/XXXX, I was impacted by the Equifax data breach. My identity was stolen and I was not reimbursed for time loss & money spent from the approved settlement. I suffered XXXX  years ( XXXX hrs ) from this impact. Because of time spent to get items removed, being denied credit, spending more out of pocket costs because of poor credit due to fraudulent accounts opened after data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.

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 2023-09-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Bread Financial Holdings, Inc.
State: NY
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:
I see that someone has stolen my identify to open a credit card account with comenitycapital bank on XX/XX/23 without my knowledge and utilized it. I contacted the bank and made a report against this fraudulent activity and i was told they would investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX Balance : {$750.00}

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 non-monetary relief
Consumer complaint received 2023-07-29
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated my Wise account balance withdrawal to be transferred back to my checking account. 18 days later, Wise hasn't transferred my funds yet. 

I reached out to their customer support several times via a phone and email and they always said they were " running some checks '' on my account which should not take longer than 10 business days. They promised to escalate the issue several times without any difference. 

How is it possible to block withdrawal of my own funds? This is not an international transfer that should be verified, the funds are supposed to go back to my credit union checking account. 

Here 're the details available on my Wise account : XXXX XXXX - You set up your transfer XXXX XXXX - You used your XXXX  balance We're running some checks Sorry for the wait we need a bit more time to process your transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Afni has sold a collection that was formerly terminated and removed from my credit report. I received another letter from a debt collector for this unproven debt. I have submitted and sent off several letters which I can provide if needed and this is still not rectified. This company needs to leave me alone as I have no outstanding bills for XXXX XXXX XXXX. I am currently with XXXX XXXX XXXX now and my services are up to date. This collection should be completely seized and this company should not reach out to me any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX through credit acceptance who I recently found was sued for the same type of actions. 
I have only had the truck a few months. 
Whole driving it the frame broke in XXXX pieces they refuse to move the loan to another truck. My down payment was added to the cost instead of subtracted. They have me down as XXXX XXXX XXXX man born in XXXX on the paper work. The cost of the truck is double what I was told it would be.they are calling me about XXXX  times a day and even call on Sundays.

The amount of issues with this company is truly a lot. I can't run my business because I have no truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
This company is reporting false information on my credit report. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Card Services : Account # XXXX 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 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