BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
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: Account status incorrect

Complaint:
I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment on XX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system  and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit 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 explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions 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 sent two certified letters to XXXX XXXX, a company that is reporting to the credit bureaus. The first letter of dispute was sent on XX/XX/XXXX and was received in their office onXX/XX/XXXX at XXXX. They never replied with any proof of my obligation to pay what they are reporting. The second letter of dispute and request for verification was sent certified on XX/XX/XXXX and was received in their office on XX/XX/XXXXat XXXX. They never sent me anything in return. My 3rd attempt to clear this up was sending a certified letter to the credit bureaus which I did on XX/XX/XXXX. It was received by experian on XX/XX/XXXX at XXXX and they have already sent me an email stating the information was verified. I called today and asked for the documentation that proved the information was correct and they said they dont have that information only that it was verified. The burden of proof is on the credit bureaus not the consumer. They are reporting without even responding to my letters and the credit bureaus dont even verify real documents, real proof.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-02-15
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was charged {$400.00} twice ( {$800.00} ) on XX/XX/18 with NO AUTHORIZATION. These are not duplicate charges, as I did not make any purchase in the days leading up to XX/XX/18. I am very disappointed, and this money is important to me. Please resolve this as soon as possible. Apparently this has been a repeat issue with Coinbase. 

Attached is a copy of my Coinbase transaction records and the bank transactions in question. Unfortunately Coinbase did not offer a ticket number for my records, but I have contacted them via email ( the recommended method per Coinbase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information had already been compromised due to cybercrime. I constantly have had to dispute and close different cards with my bank ( which there is proof for ) because every time I open one I see charges I have not made from places I have never been to or companies I have never bought from. This includes my personal email. This too, is compromised. I have tried different things to secure my information on my computer but, someone either has my social security number or for some reason it's easy for them to link my information and no matter how many times I change things, this keeps happening. This I mention in case it's the same situation with the following ; Affirm was an extension someone recommended to try to see if I prequalify for a loan and what would that look like. This was once when I was looking for a flight ticket that I ended up deciding to buy myself like I've always done, I've never taken a loan. And I didn't even choose the same airlines or dates. I did not agree to receiving the loan, I did not sign anything, receive any sum of money or was able to confirm if the airlines did because Affirm would not provide this information. I'm sure I didn't because airlines send a confirmation and information about your flight and also because I didn't actually create any ticket at the time but, some day later when I paid for it myself. I have disputed this with Affirm many times, escalated and since the beginning, they have only taken my information to " confirm '' it's me ( like social security number ). I believe they have only done this to finish adding information to the completion of my profile or account with them. The only help I have gotten is an email asking for proof for the dispute which I can't give them because Indeed, I did not take the loan therefore, don't have proof of that. How could I explain I don't have money that was never given to me when what this company only provides is the name of an airlines? That time, I didn't even fly with the same airlines! When I call the airlines, I'm told it must be a scam if they can't provide me with information to even verify or find the ticket. Then, I'm told by an attorney that I have nothing to do with the airlines, Affirm is the one assuring I was given a loan or agreed to it. I have no way of confirming this, only Affirm 's word. If they gave it to the airlines, at least the airlines should be able to confirm this or agree in some way to receive this. But, the conflict is with Affirm. This debt keeps growing and when I finally wanted to take a car loan I was denied this when they ran my credit. I've also disputed this online with XXXX and it's being denied. Keeps happening for months now. I've never been a bad payer but, I've never consented to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
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: Account status incorrect

Complaint:
XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and Equifax have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: OH
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, OH XXXX SS XXXX XXXX XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( 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 2020-04-14
Company: FISERV INC.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My credit score started drastically. So i started to do some research. I found out someone somewhere has a bank account in my name. The bank account number is the same as my social security card number. And the billing address is the same on both of these accounts also. And the account name is my name. I would like to know who has ruined my credit? This is not my account. Who is commiting fraud against me?

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 2023-01-11
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
It was brought to my attention of another car dealership that my loan with Exeter finance seemed a little off. I had this car for XXXX years bought XXXX 2020, Ive already XXXX the car off BUT only in interest so I still owe almost the entire balance until I split my payments in XXXX. I reached out to customer service to see if the application I put in was what they received so I asked for my application and they said they dont keep that on file or keep track of it. Meaning everything they needed for my loan just doesnt exist. My income, my down payment, nothing but my name, address, phone number and birthday is all they keep track of. For a company based on car loans you would think they would keep track of anything that is actually needed to approve loan applications. This loan is so high and if I had known this company was this shady I wouldve never signed the paperwork and went to someone else. This company already has lawsuits with other people. 
I was also told that after my first extension, I had to make XXXX full successful payments before I could request another. There was also a call with a customer service rep that was like just make a payment to stay on top of it even when I already expressed that I am struggling financially to XXXX XXXX I have to choose between paying a full car note or feeding myself for the next XXXX weeks of my paycheck. So they only care about making sure we pay our payments, not even caring about us as people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Regional Management Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with a representative at XXXX XXXX XXXX to ask why was a debt being reported thats was inaccurate. I also notify the representative she was being recorded she said she didnt care that I need to learn how to pay my bills my response was the bill was paid and why are you reporting inaccurate information on my credit report she then said do I have proof I told her yes and then asked her for the address to provide documentation that the debt reporting is inaccurate she hung up the phone. I attempted 3 times to get the current mailing address and each time she answered and realize it was me she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was XXXX  I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. XXXX, XXXX, 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 2023-08-24
Company: Resurgence Legal Group, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Just received a notice stating legal actions would be taken, I called the company stating this was the first notice I received and had not gotten a payment plan option etc. was unable to communicate with the credit card company this was over XXXX and half years ago. Letter date XX/XX/23 received XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified Transunion numerous times that I am a victim of identity theft. I do not own or have in the past owned a XXXX 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 2020-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I cancelled my subscription to Experian credit monitoring on XX/XX/2020 and received email confirmation of the cancellation ... 

On XX/XX/2020, Experian charged my debit card {$19.00} for credit monitoring fees, and upon investigating I noticed Experian had also charged the same amount in XXXX and XXXX, for a total of {$59.00}. 

When I called to dispute the charges, their representative said I must have started a new trial membership and forgot to cancel within the cancellation period. I did NOT open a new trial membership, or if I did it was without my knowledge or intention to do so. When I asked for a stop to the billing and a refund of {$59.00}, the representative put me on hold and proceeded to process a refund for only {$19.00} ( I did not know she was processing this refund while I was on hold ). When returned, she told me she refunded only {$19.00}. I stated I want all 3 payments refunded, and she refused citing " company policy only allows 1 refund per customer, and since I just processed a refund for you, we are unable to refund any further amounts to you. '' I asked to be transferred to her supervisor. 

The supervisor was not any better. She rudely stated Experian company policy will not refund more than 1 month of services regardless of the circumstances. She then said " There is nothing more we can do for you. If you want, you can dispute the charges with your bank ... it really makes no difference to me. '' I ended the call in disgust over Experian 's poor and deceptive customer service tactics. 

My bank is now disputing the charges. There seems to be a pattern of behavior by Experian to trick customers into signing up for services they don't want, and issuing refunds in such ways that actually defraud the customer.

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 2021-04-27
Company: TD BANK US HOLDING COMPANY
State: AZ
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:
I am writing this petition due to a 30-day late payment for XX/XX/XXXX showing on my credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline. However, it unfortunately appears that I did not receive a billing statement notification to alert me to a debt owed & due date ( which I was not aware of ). I take great pride with ensuring all my debt obligations are paid on time as your records will show I have had my account with Target since XXXX with perfect, on time payments up until this missed billing. 


I am in the process of applying for a home loan and the negative impact of the late payment could result in a denial of my loan due to the XXXX FICO point drop to my scores since the missed payment was reported to the bureaus. I am requesting ( begging XXXX a goodwill adjustment to remove the XX/XX/XXXX 30-day late payment from my XXXX XXXX and XXXX  credit reports as the correction will allow me to proceed with the home loan for my family. Given the global pandemic of XXXX and the ramifications of that, it is my hope that Target will have empathy at this time and restore my good credit standing with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: National Debt Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received many calls, at all times of the day plus yesterday at night from company claiming to be XXXX XXXX XXXX, representing XXXX XXXX XXXX or XXXX XXXX, alledging that I was attempting to commit fraud for a debt that was discharged in chapter XXXX bankruptcy. 

This company has violated the FDCPA as they are attempting to sue for a debt they claim can not be discharged in bankruptcy. 

This company should cease collection activity or I will sue for defermation plus other FDCPA violations. 

This company gave me a bogus claim number XXXX. 

This company will not give any information about itself. Other than name, address only phone number are online. 

This company has my personal information plus other family members of mine. 

This company also contacted 4 members in my family over a debt that was discharged more than once, this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Pressler and Pressler, LLP of XXXX, NJ is a debt collector/law firm, they buy up credit card debt for pennies on the dollar and than file in superior court and have he constable serve you with out trying to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two consolidated federal loans with Fedloan Servicing, one is a consolidation of direct subsidized loans and the other is a direct consolidation of unsubsidized loans ( both federal loans ). 
I am attending a XXXX  program full-time and while I am enrolled I do not pay interest on the unsubsidized consolidation loan. 
I have made two payments in the last few months, one on XX/XX/2018 for {$5600.00} and a second one on XX/XX/2018 for {$3100.00}. The payment on XX/XX/2018 was supposed to be allocated in full to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN, just like a payment for {$1000.00} on XX/XX/2018 was eventually allocated solely to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN. 
Two months have passed since I made that payment on XX/XX/2018. As I mentioned before I have recently made another payment on XX/XX/2018, which was also bizarrely distributed unequally between the SUBSIDIZED and the UNSUBSIDIZED loans. 
Fedloan Servicing is unwilling to help me. They just keep repeating that the payment will be eventually allocated as I expect, but nothing has been done yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im trying to get some information from wells fargo on the loan modification glitch that caused peoples homes to go into foreclosure. I havent heard or gotten anything in mail from them. Ive tried emailing and messaging them.

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 2021-05-20
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My background check came back with 3 addresses I have not lived at. 

XXXX XXXX XXXX, IA I have NOT lived at. 

XXXX XXXX, XXXX, IN I have NOT lived at. 

XXXX XXXX, XXXX, KY XXXX I have NOT lived at.

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