BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
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:
My name is XXXX XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : 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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I notified XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that XXXX maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to XXXX regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with TransUnion removing inaccurate reporting on my credit report company Inquiries XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with 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 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please remove this account ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act XXXX and XXXX  XXXX : XXXX has violated my rights.

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 oral or written instructions.

15 U.S.C. 1666b A. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2018-06-18
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 is missing that should be on the report

Complaint:
Transunion and XXXX are not reporting that I have an open credit card account with XXXX as does my wife. I am secondary on this account. It was originally being reported then one day it disappeared off of my credit report impacting my credit score by 50 points. this credit card has always been paid on time. I have attempted to contact the credit bureaus as well as XXXX to fix this problem to no avail.

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 2020-06-10
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:
Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

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 2023-06-02
Company: OneMain Finance Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX I took a loan for {$8000.00} from One Main Financial, XXXX MI. In addition to that, I had agreed to the insurances the loan rep presented. The loan total is XXXX. The amount of interest I will pay is based on the XXXX. 
At home I reviewed the documents and cancelled the three insurances, a total cost of XXXX, on XX/XX/2023. I requested that the loan is re-amortized based on the loan amount minus the insurances. The company has refused. Their solution is to send me a refund for these three insurances. This is unacceptable because, over the next 5 years I will be paying interest and fees for XXXX rather than the {$8000.00}. 
I have spoke with a number of customer service and Corp Office employees. They absolutely refuse. This practice must be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I'm submitting this complaint without any influence from ant third party or agency. Please see attached documents and ID as it contain my full complaint and request.

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 2019-03-19
Company: Check City Partnership, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The attorney XXXX XXXX XXXX on behalf of Check City Partnerships LLC doing business as Check City in Nevada did not provide me with the requested documents of debt validation or debt verification they told be I took out a loan and did not provide any signatures when requested on the loan documents. they only showed me someones bank account which was a breach because the account was not my bank account so they willfully gave me someone else financial information which I discard. I have not received any information and find out I have been sued by the company and the scrupulous company and attorney. I have also filed a compliant with the http : //ag.state.nv.us/ of the business practices and will file the issue with the XXXX and the FTC as well XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I went to XXXX Toyota of XXXX XXXX to look at cars. Upon arrival, a Sale lady approached me and asked me how can she help me. Her first question was " Is it the first time you are buying a car? '' I said yes. Then, she took me to see the cars. She convinced me to get the car by stating it was a good deal. I was told the car price was {$33000.00}. Then, when I went to the finance department, the price had change from {$33000.00} to {$38000.00} including my {$4000.00} down payment. I informed the guy from the finance department that the car price was {$33000.00} ; not {$38000.00}. He convinced me by saying as a new car buyer, this is the best deal I can get. They used my lack of knowledge to rip me off on a XXXX XXXX XXXX Toyota XXXX XXXX. 

After receiving the paperwork, I noticed the Total Sale Price of the car came up to {$61000.00} which was not discussed with me. Based on my research, a XXXX XXXX XXXX Toyota XXXX XXXX is only worth {$20000.00}. Toyota was a name brand that I trusted. Unfortunately, they failed me. Therefore, I need to cancel the deal. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: EQUIFAX, INC.
State: HI
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   XXXX   " Landlord-Tenant Credit Check '' and was brought to the Equifax website. I completed the application and paid the {$19.00} only to discover I was getting access only to my personal credit report. I immediately called Equifax to state that I did n't pay the money for my own credit report, but for a third party. The rep named  XXXX  said no problem that he could convert me to a {$9.00} program to do the tenant credit check. Unfortunately, the name of that service was n't listed on either the  Personal or Business  menus, so I decided I 'd had enough with Equifax and asked  XXXX  to cancel the account and issue a refund. He replied he would take care of issuing a refund and sending a confirmation e-mail.   XXXX   Three  minutes later I received an e-mail saying the account was cancelled but that no refunds are issued on monthly accounts. I then followed up with a phone call to an Equifax supervisor,  XXXX   (  employee account number  XXXX  ) who told me that refunds are not given but that the matter would be referred to the billing department for disposition  in 5-7 work ing days. Advised her that I intended to fil a complaint with your agency. Equifax case number  XXXX  applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and found the following items to be reported in error. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) -ACCT # XXXX AMOUNT {$250.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXX ( XXXX XXXX XXXX  -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX ) -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXXXXXX XXXX XXXX -ACCT XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. The accounts listed above have multiple inaccuracies that must be verified items such as Account type, account status, date opened etc are reporting dates and amounts incorrectly between the bureaus. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character I have attached a snippet of the report and highlighted the many inaccuracies on the accounts listed above. Please Assist thank you.

Company response to consumer: In progress
Consumer complaint received 2022-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I recently disputes this fraudulent account on my credit report and sent in my FTC Identity Theft Affidavit as well as a police report and this company failed to verify and remove this account from my credit reports. I want them to REMOVE these accounts immediately due to them not belonging to me. They can not show me a I.D . Or signature that belongs to me yet they are sending this back to the credit bureaus as verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my loan off in XXXX.The Company sent me my title and reported my account closed and delinquent. I've spoke to a agent with XXXX XXXX.He stated it would be corrected but it hasn't yet.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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
Consumer complaint received 2023-06-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new XXXX  XXXX  XXXX nineteen years ago. Recently I was involved in an accident and I need the title and a lien release for a loan that was paid in it's total almost two decades ago for insurance purposes. However, when I tried to navigate the Toyota Motor Credit Corp web site and telephone call in number it did not recognized my Social Security number and zip code. There is no other option to contact them that I can find. I need to have Toyota Motor Credit Corporation to provide a lien release and title as soon as possible. 

Vin # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Sierra Holdings LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought my car through XXXX XXXX XXXX In XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$200.00}. I owed {$190.00} plus late fees for XXXX payment, and XXXX payment of {$190.00}, I call them and told them the payment was made. They said it was alright and when could I make another payment. I told them another payment would be made on XX/XX/XXXX and that was good with them.Nothing was mentioned to me, and I never received anything in the mail being repo On XX/XX/XXXX they had my car repossessed, when I called them and asked about it, '' They were not very helpful and would not try to explain the reason for this ''. All they would tell me is to pay {$500.00} dollars and I could get the car back. After they told me that making a payment next week would be fine. I called and ask to speak with a supervisor they would not get one, so I talked to XXXX, I got the same thing from her saying pay the {$500.00} to get the car back. She told me {$200.00} was for past due and {$300.00} for repo fee. I also have to send proof of insurance,2 check stubs, and a utility bill in my name for proof of address. I have always made payment arrangements with them in the past when behind and always got it caught back up as fast as I was able. I was also told when I called at XXXX XXXX on XX/XX/XXXX that I had call and told them I wanted it repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has been reporting an account from XXXX XXXX XXXX on my credit report as in collection on XX/XX/2017which never happened as i always paid the account on time & upon my repeat disputes, experian has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by experian & must be corrected 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 2020-04-12
Company: Ad Astra Recovery Services Inc
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020, I emailed the following to Ad Astra : " Good morning, Due to the recent economic downturn as well as being laid off yesterday, I am unable to pay my account in full. What options are available to me? 
Thank you, XXXX XXXX '' To date I have received no reply to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have 2 accounts reporting on my credit report that dont belong to me. I have no knowledge of these accounts and would like them deleted from my report. I filed a identity theft report with the federal trade commission

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