BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NY
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 explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: PA
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 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 explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$90.00} ; XXXX XX/XX/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 2022-06-01
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
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:
My XXXX XXXX XXXX  children are in the middle of unethical business practices. I have attached my email of complaint about my concerns with the handling of my daughter and myself when I got involved yesterday, XX/XX/22. 

I have advised my daughter and son not to pay anything until this issue is resolved. The bill transferred to collections totaled XXXX yet my daughter was promised a payoff amount of XXXX. 

The manager, XXXX, rescinded the offer because I questioned the legality of advising my daughter to go to a specific loan company, XXXX, which charges an origination fee after she had told them that she could only afford minimum payments and that the debt was not all hers. She was the only one that answered their call. 

My biggest concern is that the offer was never documented or sent. They promised to clear her name and whomever she chose, but how is that legal to the other former tenants? Then after advising her to get a loan to repay the debt, as if there was no other option, they called her twice in one day to try to get her to make the payment after she told them that XXXX had not deposited the loan into her account. Then when I requested to speak with them and got permission, and questioned their processes for handling young adults that are naive to their options, the same manager that ill-advised her, insulted and threatened us. 

He was rude from the start of the conversation and in a condescending tone, said since I am her mom, why don't I just pay off the XXXX loan. He was on speaker so my kids ' stepfather also heard the brief and unprofessional conversation. And as the manager, XXXX blurted out that he was rescinding the offer and notating my daughter 's account as refusing to pay and threatening to forward it to their legal department, their stepfather took over the call and expressed anger before I hung up the phone. 

I sent an email yesterday, attached. We have not received a response as of today at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have recently pulled a copy of my credit report after disputing with the credit agencies and noticed they are still reporting addresses that I have never lived at. they are also not reporting legally my name as it is on my California Drivers license and Social Security card. I have written them several times with this matter and they refuse to delete the incorrect information from my credit file. 

this is the correct way my name should appear ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX are addresses that I have never lived at. Please remove this inaccurate information

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2022-06-01
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are student loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are student loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.

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 2019-10-31
Company: TD BANK US HOLDING COMPANY
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX and I originally financed my vehicle with TD auto finance with an account number of XXXX. I refinanced my loan with XXXX and they paid my loan in full to TD auto finance XXXX XX/XX/2019. However, Every time I check my account it still doesnt reflect that it was paid and they even charged me monthly payment automatically for XXXX XXXX. I called multiple times to resolve the issue and they always reassure me that it is already being taken care. It is now XXXX and I am still getting a bill from TD auto finance and they even have the nerve to say that I am two months overdue and now being charged late fees. This is getting ridiculous! This bank brought me nothing but pain and inconvenience. They are the once who owe me late fees for poor service. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit 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:
A purchase was made at XXXX in XXXX, Va on XXXX XXXX for {$260.00}. The purchase was made using my credit card number. I did not make this purchase. I have talk with the fraud division of Wells Fargo Visa card. The first time on XX/XX/XXXX and filed a complaint. It was rejected on XX/XX/XXXX. I made a second complaint on XX/XX/XXXX in writing. And included the information from XXXX fraud division, that they had no record of this transaction on that date by my card for that amount. Wells Fargo again rejected my claim on XXXXXXXX XXXX.I have all the necessary paper work and have given it to Wells Fargo Fraud.This card was cancelled and I was issued on new card

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-20
Company: AMERICAN EXPRESS COMPANY
State: GA
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 reserved a car online from XXXX for the pick up and drop location at XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX on dates of Fri, XX/XX/2023 at XXXX XXXX to Mon, XX/XX/2023 at XXXX XXXX for a total of US {$170.00}, confirmation number XXXX. When I arrived I presented my documentation with my reservation since there was a language barrier. During the time with the representative I didn't include any other additional options that were represented to me and I communicated as best as I could since I wanted to remain at the cost of my original reservation. As I thought after asking asking multiple times did he understand the representative confirmed he understood. When I returned the vehicle in the condition I picked it up in, I asked the representative checking me out was I charged the correct amount and he confirmed it also even though it was a language barrier with him too. As I trusted in XXXX representatives to provide me the correct information I proceeded to leave since I couldn't verify anything since no one was fluent in English and I couldn't wait around being that I had a flight to catch. The next day I checked my AMEX portal and seen I was charged US {$480.00} when my charge was supposed to be US {$170.00}. I disputed the charge with AMEX on XX/XX/2023 and provided the accurate document stating the amount that was provided from XXXX when I reserved the vehicle and wrote a description of what transpired at the location. On XX/XX/2023 AMEX sided with XXXX and closed the dispute stating since XXXX provided documents with my signature that was enough to side with that party which is ludicrous. All I want is fairness from both parties and being a loyal customer with AMEX for years I would expect the company to have the quality of being equitable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-22
Company: Exeter Finance Corp.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2023 The CFO of Exter Finance received a letter of intent to sue with Affidavit of truth with other items enclosed as proof of my claim of fraud and forgery on the companies behalf. The letter/affidavit entails that the contract with Exeter Finance LLC was never actually assigned by the dealership, and that Exeter Finance LLC sent me a " copy '' ( forged ) contract that had been assigned by the dealership but the original contract that I had was never assigned. I offered them a settlement to change the status of the reporting on my credit to the 3 credit reporting agencies, and a monetary settlement of {$63000.00}. The amount owed from original finance amount, payments made before I made the discovery, and compensation for damages endured during the repossession process. On XXXX XXXX, XXXX there was a positive change to my credit reporting. I have attached the picture of this reporting. There has not been a monetary compensation to go along with the changes to my credit reporting. I then sent a handwritten letter as a courtesy along with several screenshots, and a copy of my photo ID to the company 's legal department explaining that the piece of mail was not received by me and I was unaware if it was from them. It was received on XX/XX/2023 the lost/stolen mail was along the time line of the changes to my credit reporting. I am still unsure if it was a compensation package or not, but I did not want to falsely accuse them of not compensating me when they had made an attempt to do so. I have yet to receive any response to that letter. 

I asked in the letter of intent that if there was to be any mailings or agreements before I moved forward with a lawsuit against them that it be sent via registered mail with a signature to prevent mail theft/fraud. 

I have not heard anything back from the company. I wanted to submit a complaint to verify that they have not agreed to the monetary compensation portion of my intent to sue letter, and only the credit reporting changes although I have clear evidence of fraud and forgery on the companies behalf. 

I have all records of mail items received by the company so there is no excuse on why I have not been compensated properly in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a secured personal loan with XXXX XXXXXXXX XXXX. The amount of the loan was {$500.00} and I deposited more than {$600.00} in the account to cover the loan and its interest. The banker who setup my secured account also told me he will setup auto payments to come out of my account into the {$500.00} loan. Fast forward 1.5 years later the loan and the interest have been paid off however I find out that XXXX XXXXXXXX XXXX  charged me a fee for every month the auto payment was done on my loan payments. So now even though the loan and interest is paid off, there remains {$180.00} just in bank fees being reported on my credit report and negatively hurting my credit. I called XXXX XXXX XXXX to get a resolution and both occasions the representatives kept me on hold and then dropped the phone. I need help with this, there should be no reason I have a balance with XXXX XXXX XXXX when the loan and interest was satisfied. The {$180.00} is strictly fees and nothing else and that is predatory on the part of 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 2022-06-01
Company: CITIBANK, N.A.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was pre-approved for a personal loan with Citi. All of the paperwork that I signed indicated that the payments were due on the XXXX of each month. The payments are auto deducted from my checking account. Each month since XX/XX/2022, the payments came out on the XXXX. In XXXX, the payment was taken on the XXXX. I have a big problem with this. 

If Citi starts to do whatever they want to do, this may cause a huge problem for me. I am very angry about this. 

This could have caused checks to bounce, and would have cost me even more.

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 2021-11-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Yard card finances lawn equipment through td bank. I mail my payment through my online account at XXXX XXXX every month. They applied my XXXX payment to the wrong account. I have contacted them by phone and email and they can not straighten out the problem. My account number with yard card is XXXX. The account they credited payment to was XXXX.

Company response to consumer: Closed with monetary relief