BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-06
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX ( Original Creditor : 11 XXXX  ) 142

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 2019-07-06
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
I have been trying to resolve these issues with Exeter Finance from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. Exeter did not correct the problem. 

Exeter financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against Exeter. I was misled and was given wrong information about the XXXX employment to secure this loan. Exeter has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions 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:
Ive contacted XXXX  Experian and XXXX  several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. Experian XXXX and XXXX   has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.

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 2019-07-06
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX my purse was stolen while sitting at a restaurant/lounge. A couple weeks later their were credit card accounts, utility bills, and loans in my name I never applied for which I've disputed. In XX/XX/XXXX someone filed taxes in my name as well. I filed a police report and sent it to the IRS but never received it back.

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 2019-07-06
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt collection notice dated XX/XX/2019, from XXXX ( XXXX XXXX XXXX, XXXX, OH, XXXX ) for the amount of {$900.00}. 

This is for a medical debt from a nearby hospital who ignored my calls to dispute the fact that I was double charged for services. 

I did not receive the debt collection notice until after XX/XX/2019. 

I have made efforts to pay the debt online however the website is inaccessible : it has numerous error pages when trying to login, seems very insecure with provided " usernames '' written on the notice - and passwords that are way too simple, and overall the website is not user-friendly. I did manage to make an account however after trying to make a payment, I get an error. A week later I tried logging in to the website again which gave me an error. 

I have tried calling CBCS at their provided number, XXXX, but I am always met with a difficult to hear voicemail after waiting on hold for several minutes. I do not understand what is being said on the voicemail. 

My complaints include : * I was not given time to dispute the debt because I did not receive the notice until after 30 days * I am unable to even pay the debt online or over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Affirm Holdings, Inc
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Affirm approved loan of {$740.00} and sent money to vendor before product was received. I never received the product, company XXXX XXXX ) kept pushing out my delivery date, which resulted in Affirm claiming that I couldn't file a complaint because it was after the return period, even though i never got the product. Turns out that XXXX filed for bankruptcy, so they stole my money that Affirm shouldn't have given them in the first place. Affirm should have supported me from the beginning to get my my money back. This would have happened before the bankruptcy went through, but affirm was unwilling to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a bank account with wells fargo since 2006 and in the last year there has been an issue with the account I had with my husband. When I went to the bank to resolve issues with consistant problems of money coming out of our account through XXXX and other services it seem to not be an issue at all until I disputed a XXXX payment at one time that resulted in almost {$300.00} going missing from the account. After getting no help from them and fighting to get it resolved they quickly got nasty and closed our accounts. I argued that we have had no resolution to stop the claims other than being told to file claims online or call the claims department to resolve them but yet we got told there was an excessive amount of claims filed on the account and its our fault. Since they did not help us in anyway to resolve the matter I feel that our accounts were wrongfully closed.

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 2019-07-06
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
equifax has charged me over the billlimit.they have charged me for 4 months service and i have a monthly payment of XXXX.i want this to stop and quite over charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: LA
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:
Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

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 2018-01-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On Saturday, XX/XX/XXXX, my mother had received a letter from 5th/3rd bank stating that my car had a total of {$1200.00} of payments in default. As she is co-signed on the loan, I knew I would be getting my letter soon, however come Monday I had n't received a letter yet so I had to rely on the pictures she had sent me when I called asking about the amount. It was the amount financed to purchase CPI, and I had n't paid anything towards it since a letter was sent regarding my insurance expiring obligating me to send proof that I was holding insurance. I had received a letter in XXXX and had XXXX send a policy binder in XX/XX/XXXX 

Since the CPI was still applied on XX/XX/XXXX I asked if they needed me to send proof of insurance again. They confirmed this, so I sent another binder to the fax number they provided me ( XXXX ) and called every day afterwards only to be told on Thursday,XX/XX/XXXX, that they do not accept policy binders and I was instructed to fax a declarations page. I called XXXX and had them fax a declarations page and continued to call asking for processing information, only to learn today,XX/XX/XXXX, that it was n't processed because I need to make my payment for XXXX before they can accept it as current. Not only that, but XXXX informed me that 5th 3rd bank would have found a declarations page on page 5 of the binder had they looked. 

I am now going to have to wait until tomorrow in order to send another declarations page and wait 3-4 business days before I am able to confirm that it was processed, all while hoping my vehicle is n't repossessed in the meantime. 

I also am not able to attach digital documents because 5th 3rd has repeatedly refused to deal electronically and had only handled business over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: LA
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:
Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX  they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter

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 2019-01-03
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
When my Son was born in XXXX, my Father purchased a Certificate of Deposit for {$1000.00} from Wells Fargo in XXXX, Ca with my Son 's name as the beneficiary ( XXXX XXXX XXXX ) .This certificate was supposed to automatically renew every 30 months. My Father passed away in XXXX. I recently tried to check on the status of the certificate and the bank says there is no record of that number and all the records have been purged.

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 2019-07-06
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/GA Attorney General/Consumer Finance/XXXX ; Equifax. Report # XXXX. 
RE : Request to Block Unauthorized Charges from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX ACCT : XXXX AMT : {$1200.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$0.00} XXXX XXXX XXXX ACCT XXXX XXXX AMT : {$0.00} XXXX XXXX ACCT : XXXX AMT : {$7000.00} XXXX   XXXX XXXX ACCT : XXXX AMT : {$1600.00} I have enclosed my FTC Identity Theft Report and a copy of my credit report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been conducted and concluded, with verdicts in my favor from XXXX  and XXXX, However, Equifax ( which is the Bureau  that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2019 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: Experian Information Solutions 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:
THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
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:
inaccurate information being reported

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 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America continues to make errors on my monthly statement and activity on my HELOC with them. 
On XX/XX/2020 B of A properly deducted the required monthly payment for the loan from my checking account. However, B of A did not apply the payment to my outstanding balance. It is left in an account called " unapplied funds ''. My principal balance was not reduced. 
I have been reporting these problems to B of A since late XXXX and while they have corrected the previous 5 errors of this nature, they are continuing to make errors with XXXX regard to the customer. 
I have spent countless hours calling, writing and emailing them only to have the same problem occur again.

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 2018-01-26
Company: Trident Asset Management, L.L.C.
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 was just looking at my credit report and i was a collections from XXXX XXXX XXXX for the sum of XXXX for a account i do not know about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation