BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Initially contacted by American Cordius International LLC ( address follows ) via letter through the USPS dated XX/XX/. They are trying to collect from a XXXX account that is not mine. I have never had a XXXX account nor is the email account referenced is not mine nor ever has been.

I responded to their letter ( see American Cordius International LLC letter dated XXXX XXXX XXXX XXXX that I filled out the bottom of the form and mailed it back to them within seven days. ( see enclosures ) I received another letter from American Cordius International LLC dated XXXX XXXX XXXX with information from XXXX a list of 18 transactions that were listed as either " Chargeback for '' and " Dispute Fee ''. Each had their own email addresses, again, none that are related to me. 

I have sent a letter to both XXXX and American Cordius International LLC requesting them to discontinue further efforts to collect this invalid debt. This is a very distressing situation as I have never had this happen before. 

I have sent another letter to both American Cordius International LLC and XXXX denying the account was mine following the FDCPA dated XX/XX/2023 ( enclosed ). 

Your assistance is greatly appreciated to coordinate closure of this issue. 

American Cordius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Oracle Financial Group LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Representative from Oracle group, LLC called my work # ( XXXX XX/XX/18 ) - when he got my voicemail he called back and spoke with the receptionist and said he wanted me paged. She refused and gave him to my voicemail ( Said his name was XXXX ) I called back at XXXX XXXX  and spoke with Mr. XXXX and asked him to identify what company he was with which he then went into " There is an open investigation on you ''. At that point I told him not to call my work number and not to contact me as I will not be threatened. He then called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX and XXXX XXXX, XXXX XXXX & XXXX XXXX  from XXXX. ( 8 times ) and also my work # ( after I said do not call it ) at XXXX XXXX. He started with a threat and ended with harassment. He did leave a message on my voicemail at work which I refused to listen to as I felt harassed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX 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 2023-06-20
Company: EQUIFAX, INC.
State: FL
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:
I did not consent to credit pull from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 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'm 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 30days 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 XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Bread Financial Holdings, 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:
Did not receive statements for the months late payments are reporting to credit bureaus account has since been paid in full resulting in XXXX balance owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my 7th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent. I just got out of XXXX  and these accounts are not mine 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 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 explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 U.S.C 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE 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: Charged too much interest

Complaint:
Capital one credit card Dept, billing cycle XX/XX/23 - XX/XX/23 balance subject to interest rate {$4800.00} interest charge {$120.00}. XXXX IS XXXX P.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had XXXX in XXXX, I have filed several disputes with the credit bureau and I currently have a dispute open with the collections agency for over 31 business days. They refuse to take it off my credit report. What they did is they changed the dates on the debt to make it look like I opened the account in XX/XX/XXXX. Which is illegal. XXXX has also yet to respond to the dispute. They are not keeping up with FCRA requirements. This has damaged my credit and I have been denied many loans and bank accounts because of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America was running a 0 % promotion until XX/XX/XXXX. On XX/XX/XXXX I decided to take advantage of this promotion and borrowed {$20000.00} to purchase landscaping services and they charged me an {$800.00} fee on top of the {$20000.00} so the Total was {$20.00}, XXXX. When I saw the next bill they had charged an additional {$360.00} of interest on top of the {$800.00}. When I called to let them know they had made an error they told me they would not honor the promotion since the landscaper had the same last name as I did. I do not own the landscaping company. There was nothing in the fine print that said they can determine who I give my business to. There are many businesses in this area with my same name but I do not own those businesses either. It is like XXXX. So they told me I had to return the money in order to get the {$360.00} back which I did. They have not returned the interest or the fee they charged. But what they have done is fraudulent advertising. Also I want the {$800.00} back since I did not wind up borrowing on this promotion. On XXXX and XX/XX/XXXX I had paid {$1100.00} for the first billing so on XX/XX/XXXX I paid {$19000.00}. They should return the interest they incorrectly charged me {$360.00} and the {$800.00} fee they imposed. There is no reason they should keep this money as I did not get the promotion. Why should they dictate who I hire? There was nothing in their promotion that said they have to approve the business I use. This is fraud and usury and stealing and false advertising. Please make them give back {$800.00} + XXXX plus the {$1100.00} I paid.. I will never use the Bank of America again and I have already secured the loan through another more reputable bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: RI
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 filed XXXX  XXXX bankruptcy XXXX of 2019 and have worked with a law firm to repair my credit. Equifax is showing a collection status from HUD home improvement loan. Due to this item being on my report it is causing me to lose out on career opportunities as well as being denied future credit. Per the U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2. It also states that you can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Revolut Technologies Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A payment for {$500.00} was sent from my client to me on XX/XX/2022 from XXXX XXXX XXXX Bank account ending in XXXX to my Revolut Bank account ending in XXXX. The money never arrived in my account. I contacted Revolut Bank, but they were unwilling to provide a solution. They were provided all the pertinent information needed to find the deposit but kept telling me, " the deposit doesn't show in your account '' I know the deposit is not in my account - that is the reason for contacting them. Revolut refuses to research or release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 paid off my Bank of America balance. BoA is still taking automatic payments out of my checking on a card that has a XXXX  balance. When I ask for this to be refunded, they keep telling me to " call back tomorrow ''. I then asked to just have my money refunded and to have the account closed, and they told me that I would still have automatic payments taken out of my account even if I close my card account. Currently, I have been on hold for 49 minutes with no end in sight. They are not willing to help me, refund my money, close my account, or stop taking money that I do not owe them. How this is legal is beyond me, but it needs to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXXXX.

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and loss of income that this bad credit rating caused me. Per my attorney, my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2019-11-12
Company: AMERIS BANCORP
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Recently, Ameris Bank acquired XXXX. I tried logging into my XXXX accounts and found that my auto loan account was not working. I contacted Ameris/XXXX, and they said online accounts are no longer provided by Ameris. I used to be able to log in and see all of my payments and submit payments. I opted out of paper statements with XXXX, but Ameris discontinued online support. When I asked the representative to reinstate paper statements and records, I was told they did not support paper statements for auto loans. I was given two options : 1 either call in to confirm payments or 2 go the auto loan bill pay to check my balance ( not including records of actual payments ). I find 1 unacceptable ... I should have access to PRINTED records either digital or paper-based. When trying 2 to make my own records, I received an error message online saying I was " not allowed for accounts pre-paid 3 or more months ''. 

Ameris, in acquiring XXXX, has chosen to discontinue auto loan support in any written form. I am a responsible bill payer and try to get ahead. I should NOT be denied access until my balance " catches up ''. This is a trick to get my interest to accrue and them to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: AMERICAN EXPRESS COMPANY
State: MD
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 rendered incompetent care by a law firm named XXXX XXXX XXXX  XXXX. The firm also fired me as a client without cause. I filed a bar complaint. I contested the charges with AmEx and AmEx refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Duvera Billing Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am struggling to pay the payment and the interest is {$8.00} daily. The contract states 188.97 % which I clearly did not understand at the time I signed at the transmission shop XXXX. I tried to ask them to lower the rate and the representative stated the were following FDIC guidelines and that they could not lower the rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
XXXX XXXX XXXX fraudently charged me {$5000.00} for legal services not rendered. I raised the complaint with American Express and AmEx refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: CA
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 have traveled to XXXX on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in XXXX for XXXX months as a student ) on XXXX only. I opened my XXXX and XXXX and noticed that somebody took my SSN and opened JPMCB CARD $ XXXX my name. I disputed it via XXXX and they have removed it successfully. But it appeared on my XXXX and XXXX a month ago. I have my XXXX form as a proof that I entered the country as a refugee on XXXX until then my SSN was not even active. I would really appreciate your help. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation