BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. Please send me copies If you can not find any of the info above immediately remove this account from my credit report. 

FACT 1 : There exist no PAPERWORK or DOCUMENTS that XXXX XXXX gave me FULL DISCLOSURE on how CREDIT was created with MY SIGNATURE! I believe NONE EXIST!! 
FACT 2 : I was also not told that I had 30 DAYS to VALIDATE THE DEBT! 
Fact 3 : I want to see the ACCOUNTING LEDGER should show what I owe you. You should be able to show how you lended me the money before giving me the money. 
After 30 days they ASSUME THE DEBT IS VALID! Because they know after 30 days they ASSUME THE DEBT IS VALID and they start collecting on it! Was this DISCLOSED TO YOU? No it was not thats another fact!!! 
DEBT COLLECTION is more than just COLLECTION ACCOUNTS and CHARGE OFFS! Its the account thats OPEN RIGHT NOW, its still a DEBT! Remember they are ASKING FOR MONEY to pay a DEBT, then it still applies! 
FACT 3 : I believe that there is no DOCUMENTATION from XXXX XXXX and I BELIEVE NON EXIST! 
You have 15 days to RESPOND to my original contract with my wet signature!

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 2017-04-06
Company: Big Picture Loans, LLC
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I entered a loan agreement with Big Picture loans for XXXX. 
I was lead to believe I would be paying four installments of XXXX dollars and some change. After I agreed to the terms, the loan turned out to be for nineteen bi-weekly installments of XXXX and the final payment of XXXX. Apparently all of this at the interest rate of 697.0875 % APR. None of this was relayed prior to the loan. I can not get a hold of anyone one their side and when I do they hang up on me when I attempt to explain why I need a payment arrangement change date. They insist on processing the payment on the date I get my direct deposit, but they are drafting before it hits and I am incurring over draw fees because of it and no one will cooperate to even resolve this issue. It is a complete nightmare. I regret having acquired a loan through this company. Any assistance will be greatly appreciated. 
Thank you, Loan Company Information : Red Rock Tribal Lending, LLC dba Big Picture Loans XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To whom it may concern, I am writing to you because I noticed some inconsistencies on my credit report that have been damaging my good name and my credit score and needs to be looked at immediately.

You are reporting a status date of XX/XX/XXXX yet transUnion is reporting XX/XX/XXXX and XXXX has no record of this account, also you are reporting a balance update XXXX XXXX yet transUnion is reporting XX/XX/XXXX. You are also reporting payment stay as voluntary surrender yet transUnion it as voluntary repossession. Also you are reporting the account type as auto loan yet transUnion is reporting it as installment loan. 

This is inaccurate reporting so please remove this off my credit report for inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Reliant Financial Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I took out a title loan on one of my vehicles. I was in an urgent situation and needed the money right away. I borrowed money on the title of my XXXX for around {$3600.00} in XX/XX/2015. 
Due to a domestic dispute, the vehicle was sold to a 3rd party right out from under me. Because the vehicle had a tracking device on it, I was able to get the car back. I was charged almost {$780.00} in repossession fees to recover the vehicle, and was told by XXXX that they would not tell me where to recover the vehicle until I paid it. I paid it immediately and was told where to go to recover the vehicle. I was also required to pay an additional {$140.00} to an auto storage company before they physically release the vehicle back to me. After I recovered the vehicle, XXXX put a repossession on my credit report and when I asked them to remove it, they said they would but to date, the repo remains on my credit report. 
I noticed that the balance on the loan was not going down so I requested a loan payment history. I noticed that there were additional fees added to my loan balance, including doubled repossession fees that were added to my bill. My wife went in to make a payment and inquire about the additional fees, noticing that the balance was going up and was the same after almost 15 months. My wife spoke to a man named XXXX, who assured her he would review the payment ledger and call her back the following week. That call never came. Altogether, I believe there are additional fees of approximately {$1100.00} that are being extorted from me. The interest rate was 96 % at the beginning of the loan and was reduced to 60 %. I have attached a copy of my latest monthly statement which does not reflect the interest rate on the statement. I am trying to pay the loan off by adding additional money to the regular payment, but I believe the balance of the account should be no more than {$2300.00}. I would like the CFPB to look in to these unlawful lending practices and help me get away from this dis-honest loan sharking company. I went into this loan with my eyes open and I take responsibility for that, but I draw the line at extortion. I do not owe these additional fees and if I am forced to pay them, I want it on the record. I have attached the loan payment history for your review and have marked with highlight the additional fees that I believe are illegal. 

I would like this company to be advised that they are not allowed to extort unlawful fees and for them to be required to reduce the loan balance by the amount of the additional fees they padded on to my account. Here is a link to show how many unhappy customers they have and their unethical consumer practices. 
XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28
Company: Rossman & Co & PCB
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The debt that rossman and co is reporting to the XXXX major credit bureaus has reached its age of ineligability to be reported to them. The original creditor has since removed it from the reports but rossman and co claims it is eligible because it was just reported to them recently. I explained to the customer service rep that the seven year reporting time could not be extended beyond the seven years from the original default date regardless of when rossman received it information from the original creditor. I told them numerous times over the last few weeks that I wish to file a direct dispute to have the debt report removed and they referred me to their website which does not provide a way to directly dispute anything. I have sent numerous emails but no one will respond from XXXX. Please help!!! XXXX XXXX XXXX -- -original creditor is XXXX. My contact info is : XXXX or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: R & B Corporation of Virginia
State: VA
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:
Credit Control continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Credit Control reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Credit Control. To that end, I sent a letter to Credit Control. Credit Control has stated that the account was marked as in dispute in XX/XX/2019 ; however, my previous letters to the bureaus reflect that I was disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on XXXX  report, then Credit Control should have updated the account to reflect disputed at that time not later. That is yet another violation of my rights. Entries should be updated as disputed with bureaus upon the bureaus responding in writing that the company, in this case, Credit Control, verified the entry. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me ; yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Credit Control has no  intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: OneMain Finance Corporation
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had issues with a credit report that was different from the reports I have access to. 

Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. 

My credit score with XXXX had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. 

I was told by the company there's 20 different reports, I was sent a credit report directly from XXXX and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. 

Then I later was refinancing the same home that I was trying to get a rehab loan on and was told XXXX had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. 

Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing a complaint against Lanier Collection agency wrote them letter requesting information. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in from XX/XX/XXXX-XX/XX/XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. They sent me back XXXX pages with total charge and a description the procedure I was supposedly had gotten. They refused to send me anything with my signature provide them service to release any of medical information which is a violation of HIPPA. I never agreed to pay them anything nor do I know who they are. I am unaware of these bills ; these are not my accounts. Then I tried to call to informed them they may have to wrong person. They were extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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: Account information incorrect

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 XXXX XXXX XXXX. 

Account name : Dept of Ed/XXXX XXXX Account name : # XXXX ; XXXX ( TransUnion ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( XXXX ), Account name : US Bankruptcy Court XXXX XXXX XXXX & TransUnion 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 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 2017-05-19
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a number of issues with the  XXXX  service. I have a limitation on my account that is preventing me from accessing my money. They do not have any right to siesure as they are not a government agency and are now operating outside of their scope of authority. I have attempted to rectify the limitation for many months now, and they are asking me for the same information previously submitted. They are using an unconstitutional user agreement that mandates that any civil complaints be addressed in the city they operate in regardless of legal operational jurisdiction. This hold is in violation of my  4th  amendment rights to prevent unlawful siesure of property and is tantamount to stealing. I believe this is being done as punishment for prior complaints, and I would like to officially request whistleblower status as I am being persecuted for reporting their unlawful activity. They have made claims that I had 6 months to dispute fraudulent charges, and have not honored that claim. I am being railroaded by this company, and the  XXXX   XXXX   XXXX  wo n't even return my request for a lawyer referral to get a civil action started against them. This is a perversion o f American Freedom of Trade, and they continue to use Unfair and Deceptive Acts and Practices in violation of Section 5 of the FTC trade laws and are violating the same in  my state of NC as well as the laws of their home state of CA. I ca n't seem to get my government to take action against this corporate tyranny, and they continue to operate with impunity. I need some agency that uses our tax money to enforce the laws as written.

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 2023-09-22
Company: EQUIFAX, INC.
State: TX
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:
We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 

This is the third time they sent me this letter. XXXX continues to ignore my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
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:
Yesterday I went to the dealership, shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department. I am doing this on my own and I need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX USDOE/XXXX. INQUIRIES : XXXX, SXXXX

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. TRANSUNION is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : 1 have the right to privacy and I did not give TRANSUNION written permission to furnish these accounts listed below. 

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 2017-05-19
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: Information belongs to someone else

Complaint:
XXXX is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

Company response to consumer: Closed with explanation