BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding account ************* XXXX, which you claim I owe XXXX XXXX XXXX {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspondent local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for debt a debt that I don't owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete this entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond may result in small claims and legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : * defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have put in numerous complaints with Ad Astra and they are still unable to satisfactorily verify that the 2 debts that they are alleging that I owe them. I have not asked for validation but for verification. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. 

This statement means There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Ad Astra has failed to send me a contract between myself and a representative of their company so therefore this is not legally my debt. If I have to sue for legal damages then I am willing to do so because what 's going on is illegal as stated by the law Please do not send the same contracts that you all have been sending, I need to see a drawn up contract from Ad Astra with myself and an Ad Astra representative physically in the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Equifax data breach. Millions of American 's personal information was compromised, and I 'm one of them. In addition to Eqifax 's security measures being not-good-enough, they waited FAR too long to notify consumers, which prevented us from taking timely-enough steps to protect our own credit. 

Add in the facts that top Equifax executives dumped a lot of stock in the company before making this news public, and that the resolution steps Equifax is currently offering their effective consumers require those effective consumers to agree to NOT participate in any class-action lawsuit in order to use Equifax 's provided resolution steps, and the whole thing is unacceptable to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you update and delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2019-11-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}

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 2017-09-08
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:
Equifax reported a hack during which my personal and confidential information was listed as being in danger. This could lead to nefarious activities being carried out using my identity and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX  XXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA. 

Transunion also is not complying with the FCRA to remove these accounts.

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 2022-06-20
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: Personal information incorrect

Complaint:
I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.

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 2022-06-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My case : I have fell victim to a backdoor scam on the XXXX platform. I have been trading on a site similar to it and now I can not withdraw my funds. 
My funds are locked on the platform. I used my XXXX account to transfer XXXX  to the platform which does work and syncs up with the exchange. I was able to transfer XXXX from the back door platform site to my XXXX  and then my bank so it is real. However, now I am being told that I cant withdraw my funds until I pay my share. 
I have all hashes, screenshots, wire transfers with my bank to the XXXX exchange, and wallet IDs on the platform. I also have contact details with a representative from the platform and the platform URL/domain. 

Please assist me in reversing this whole situation. Its a nightmare and I want justice or at the very least what I put in. 


Please contact me at my cell number XXXX to discuss further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/31 through Wells Fargo Bank, my account was fraudulently withdrawn {$370.00} and {$370.00} by use of XXXX. One of the phone numbers used by the suspects belonged to an account within Wells Fargo. The account was opened briefly and multiple fraudulent transactions occurred through this account before being closed. My account was deemed compromised by the Wells Fargo security team and a migration occurred. My loss of {$750.00} was denied reimbursement by the fraud claims department, thereby breaching 12 CFR 1005.

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 2017-08-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My issue concerns with rogue inquiries made ( multiple ) to my Experian credit report. I recently attempted to resolve this issue via a letter i sent to them in early XXXX 2017 ( XXXX XXXX, 2017 ). To date I have not received a response or acknowledgement from Experian. The letter was sent via Priority mail with delivery confirmation and was confirmed to be received by the USPS. In my letter I asked Experian to investigate XXXX inquiries made to my credit report which are not permissible as per the Fair Credit Reporting Act. The XXXX inquiries in question do not fall under " permissible use ''. Furthermore on the XXXX inquiries in question, no specified reason is given. I discovered this while doing a periodic check of my credit report I also asked for additional information, as per the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, specifically : a ) the name and title of the person who pulled my credit report b ) the date of the alleged permission and for what purpose, since none was given c ) Method that the creditor claims permission was given and documentation of said permission. As stated before I received no communication on this matter from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NJ
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:
they are reporting incorrect information on my credit file. after i have disputed this and was told these inquiries would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the dark web. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}

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 2019-08-31
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AMERICAN FIRST FCU ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Ref : Chase Credit Card No. : XXXX XXXX XXXX XXXX I was enticed by XXXX to get the XXXX Chase  Credit Card referenced above. I have been with Chase for around 30 years and they know where, when, and what I have purchased in the last year. They know about me more than I know about me. Several weeks ago suddenly and without warning or notification, these XXXX XXXX froze my account and would not provide any information as to why! I have contacted their XXXX customer service department several times by phone, by email, and by US mail trying to figure out why they are doing this to me. They routinely leave in my mail box on their supposedly secure service a message that they have received my complaint, has been forwarded to the appropriate department, and that I should receive a response in 48 hours. Needless to say, their XXXX  appropriate department never responds not in 48 hours.. Not ever.
When I gave up on hearing from them, I contacted you.. and you contacted them. It took them more than a month to respond to you that they did what they did because they are discriminating against me because of my national origin! Apparently, they found out that I was born in XXXX ( although I lived most of my life, was educated, and employed here in the US ) and they used that information to discriminate against me. I am contacting you to ask for two things.
( 1 ) I hope you will not act as a messenger service, and you will investigate these characters for discriminating against me for no reason whatsoever. I realize that JP Morgan Chase is a very influential powerhouse with a lot of powerful government and business connections, but that should not allow them to DISCRIMINATE. ( 2 ) These XXXX owe me {$17.00} in rewards I have earned and should be able to use. These jerks are not allowing to use the rewards points I have earned and would not respond to my inquiries and request to be given the rewards I have earned. I have been the best customer they any credit card company dreams of having ( high amount user, never been late in making payment, etc. ) and since they are so XXXX to treat me this way, I no longer want to work with these characters. Since they have been ignoring my messages, I asking them ( through you ) to close this XXXX account, but I demand that they pay me the rewards I have earned. You might also let them know that they are not the only credit card company in the country, and all the other credit card companies will be happy to take away their best ( but abused customers. ) I have high standards for myself and for the people I work with me, and Chase are way beyond the standards I expect from a credit card company. Thank you for your kind attention. Thank you for your kind attention

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: ALLIANT CREDIT UNION
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 do not recall making this inquiry on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I enrolled at XXXX University XXXX under the presumption that I would be eligible for financial aid for the semester I was attending, however because they failed to process my financial aid in time by the time they did, they discovered that I was not eligible for financial aid however I had already enrolled in courses and the semester and had already completed work but they kept assuring me that my financial aid would be applied after I had begun the second 8-week course in the semester. Near the end of the semester they told me they were not able to apply any financial aid to my account and that I would be responsible for paying the {$6000.00} bill and they failed me so I wont even receive the credit for all of the hard work I did all those months. Since I do not have {$6000.00}, they have now reported this to collections and it is on my credit report. I attended online XX/XX/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 explanation
Consumer complaint received 2022-06-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I XXXX  a {$470.00} by Well Fargo bank on XX/XX/2022 to a seller name XXXX XXXX but turn out he never ship or send me the order. And I have tried to contact the bank but they cant do anything about it

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 2022-01-19
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi My complaint is against Wise ( formerly known as Transferwise ) Membership number XXXX Transaction Number : XXXX I have made my first transaction with Wise on XX/XX/2021 and the transaction failed. The payment was XXXX rupees ( XXXX $ ). they promised to refund it but right now its 38 days. 
Wise is not responding to my emails or any tweets. I need help to recover my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently notice that my credit report is showing an 30 day late payment on XX/XX/XXXX. Today is XX/XX/XXXX, how can this be? Can you please help me correct this? Ive made a payment yesterday ( which Ive done before ) to get caught up and this has never happened. 

Thanks in advance for your help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation