BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, i went to Instaloan, a subsidiary of Titlemax to get a small title loan to help with some bills that got behind because work was slow at my job and I had lost some hours. I was told by the girl at the desk, multiple times throughout our interaction that on my loan of {$600.00}, that if I paid my required payment, the total I would pay at the end of the loan would be {$870.00}. They also convinced me to get additional insurance on my car, a XXXX XXXX with XXXX miles on it. They told me the extra insurance was required because I did not have full coverage, only the state minimum. I found out today that was a lie. I have paid my payment on time each month and have given them over {$700.00} now, but noticed that my payoff amount had stayed the same. So I called them. Today a different lady told me that the interest accrues every month and that ive only been paying the interest. Over {$150.00} a month. I told her the girl never said that. Even my paperwork didn't say that. She told me multiple times that the total after everything was {$870.00}. This new lady told me basically if i make the required payment, I'll be paying this for the rest of my life. I only paid {$1800.00} total fir this car. I can't afford to lose my car but I also can't afford to payoff this predatory loan in XXXX lump sum. If she would have explained how this interest worked, I would never have accepted the loan offer. Now I'm looking into trying to sue them. I already suffer from anxiety and this is effecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted you on XX/XX/20 complaint XXXX and again XX/XX/20 complaint XXXX letting you know that these accounts listed on my report are fraud. I have explained to Trans union representatives several times but they continue to report Fraud. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX. This stuff does is all FRAUD. They responded with We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. I submitted this complaint for this same reason they never do anything to get issues resolved as of today XX/XX/20 they are still reporting these accounts. I am asking again to please delete these accounts from my credit report.

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 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2020-04-06
Company: Early Warning Services, LLC
State: IL
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:
Early warning systems told me that the information that XXXX  XXXX XXXX provided to them was accurate. despite me proving with actual receipts from the date of incident. 
the date of incident is XX/XX/2020. Not XX/XX/2020 and the amount should say settled or paid instead of unpaid like they allege. 
Early Warning Systems also sent documentation regarding my case to an email address which I did not request and I need them to mail me the paperwork like I did request. 
Early Warning Systems clearly neglected to do any research or an investigation. They obviously didn't look at my dispute documentation I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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 is missing that should be on the report

Complaint:
In XXXX of XXXX I reached out to Toyota Financial Services ( TFS ) to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the TFS general customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX ( the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to TFS Recovery because the account was recalled. When I returned the call I spoke with XXXX agent ID : XXXX, and was hung up on after explaining my situation. I then spoke to XXXX agent ID : XXXX  who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section XXXX # XXXX of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through Toyota Financial Services. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for TFS is XXXX. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 I made a counter deposit from a check for the amount of {$3000.00} to Bank of America. The teller gave me a receipt and told me the funds would be available on XXXX XX/XX/2020 she gave me {$220.00} back in cash and made a deposit of {$2800.00}. As of today XX/XX/2020 the funds Remain unavailable and when I visited a branch to inquire they told me The check was on hold until the XXXX Of XX/XX/2020 because it was a larger amount than what I usually deposit.

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 2023-07-24
Company: EQUIFAX, INC.
State: LA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
there are a total of XXXX soft inquiries and XXXX ( XXXX ) negative accounts that I the federally protected consumer did not consent to in writting XXXX for XXXX, XXXX for XXXX and another XXXX in addition to addresses name and information presented on my report that I didn't consent in writing to " No Consent is Identity theft

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 2018-09-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( Equifax, XXXX and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but Equifax and XXXX  has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileEquifax and XXXX has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws. Kindest Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX Acct beginning in XXXX. The account violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) with regard to the payment history. The FCRA requires accurate and timely reporting of payment history. In this case, the account appears to show " C '' for all months in XXXX and XXXX, which suggests that the account was marked as " Current '' despite being a collection account. This is a violation of the FCRA as collection accounts should be reported accurately, reflecting their past due status in the respective months. Also I have disputed this account with XXXX  XXXX XXXX asking that they validate the debt and they have taken no action

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 2019-06-20
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2019, I wrote to XXXX, XXXX, and XXXX in regards to a fraud account which is reported on my credit report in the amount of {$3700.00}. I submitted enough information to show that this account was not valid, however, my status remained as is. On XX/XX/2019 I wrote to GM Financial in regards to the fraud account that was placed on my credit report. On XX/XX/2019, GM Finacial responded to my complaint stating that they would investigate the alleged fraud. I submitted the following documentation, police report, ID Theft Affidavit, and legible signatures. On XX/XX/2019 I received a letter from GM Financial without any regards to investigating the claim. However, as a result, GM Financial claimed that the request was based upon a misrepresentation of facts relevant to the request and that GM Financial will not be able to remove the account from my credit report. I now request that CFPB to investigate this account and I would like for you to to take action to protect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX XXXX XXXX report 3 different and conflicting statuses of the " Foreclosure " willfully and knowingly obtained under fraudulent and criminal acts. Reporting status of Foreclosure, Foreclosure Redeemed , & Credit Grantor reclaimed collateral to settle defaulted mortgage. " Foreclosure Redeemed '' by legal definition reads that the homeowner was able to pay in full all cost accrued including back payments after the home was sold in the Foreclosure sale during a redemption period and has the legal right to live in the home. I have attached snap shots of the 3 different reports. The lack of consistency sends up red flags in the validity. USAA has been fined {$140.00} XXXX XXXX  due to violations in banking practices. 

Many of my Civil Rights have been violated due to criminal acts and cover ups. Acts supported by, documentation fraud, transaction fraud via fraudulent account numbers, wire transfers, altering loan numbers and VA Case numbers and the like. Illegal searches and seasure, of my property, and cruel and unusual punishment for USAA 's incompetent lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Home Loan Center, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I put my information into lending tree, not knowing that this counted as an implication. Nowhere in the description did it say that the information I was inputting would count as a credit application, I was under the assumption that I was just going to look at potential rates, not actually open an application. Since submitting my information, I have been bombarded almost non-stop by texts and phone calls from prospective lenders when I was just trying to get an idea of what a rate for a potential refinance for my car would be. I am submitting this complaint because I feel it was not adequately made clear that what I was submitting my info for was an application, rather than just some info to get an idea of what rates would be. The prompts did not appear to be an application, I believe they are purposefully designed to not look like an application to get people to fill them out. Nowhere did I see a consent item that say providing lending tree with my phone number would mean that various lenders would call me. The bombardment of phone calls and texts from potential lenders has been an annoyance, and I would like Lending Tree to better make clear what they are going to do with consumer information when it is typed in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to make a food purchase on Friday the XXXX of XXXX, but apparently the wrong pin was put in multiple times and the account was permanently suspended. I currently have {$310.00} remaining in the account but am unable to retrieve my funds. I contacted the bank and was told to contact the customer care department at Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX to which I did so with no results. I sent off the letter with all my personal information : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX XXXX I also have tried calling them repeatedly with no results.since last week. This is my money and I need to get it back. I don't have any other money coming in until the end of the month. I'm at the end of my rope, and I don't what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXXXXXX XXXXalance : {$0.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4600.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXXXXXX XXXXXXXXr XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX  Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief