BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: TMX Finance LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
So I applied for a title loan back in XXXX or XXXX of XXXX. I was told I can never be late and I always paid it on time or before the due date. But I also had to refinance a few times because I could not afford the payment in which that allows your loan to start all over. My interest rate is 177 %. I feel that is completely unlawful. The agent at the desk said oh no we start off at 150 % and its based on your credit. So while at the local store complaining about the rate she said there was nothing they can do. Having them try to explain to me what my interest rate per day comes out to be around {$13.00} which if your times that by 30 days that around {$400.00} ( roughly ) minus. My payments a month is XXXX would only leave {$32.00} to go towards the principal. But thats not the case its only put an estimate of XXXX dollars towards my principle. At the END OF THE DAY this is not in any way to help you when you need. Its designed to keep you down! Im paying more for this loan than I did for the car and Im never gon na be able to pay it off without doing the minimum payments and that makes me worried because again they will come and take your car after even paying with the car is worth. I also would like to mention around XXXX they can notify you that they had a promotion going on that they were doing a Giveaway, wanted you to enroll everyday to be eligible to win. I did and of course I wasnt the ones fortunate enough to win.I would of loved to see the winners. When you do something like that you would think that they wouldve had a big announcement. When they finally reached the decision after 2 to 3 months from XXXX said the office representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Their investigation did not fix an error on your report

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. 

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 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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached XXXX fraudulent accounts and fraudulent inquiries in an FTC 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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Spoke w XXXX XXXX XX/XX/19 XXXX XXXX cat at TransUnion. Refused to remove unauthorized inquiries from XXXX, XXXX XX/XX/19, 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 explanation
Consumer complaint received 2018-04-19
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX  in XXXX MT on XX/XX/18 contacted my boss directly in XXXX OR and revealed that they were a collection agency. The person who contacted my boss was rude during the conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. XXXX, XXXX, Experian this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.

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 2021-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
I have submitted a request for the agency to verify that this debt belonged to me and asked for documentation of proof that this account is mine! The agency sent me a letter containing the last XXXX digits of my social security numbers and nothing more! This company is continually reporting this inaccurate information on my credit report and it is causing my great distress! I am writing in hopes of finally settling this matter! I have been going back and forth with this credit agency for XXXX months! This is the first time they respond to me! With a document recording the last XXXX of my social security number and my original dispute included this information! This is ILLEGAL practices from this debt collector! I will have to take this matter to court if it is in my best interest! While I prefer not to litigate I will do whatever is in my best interest to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The Account with XXXX XXXX was previously disputed Equifax failed to remove or properly investigate as of XX/XX/20 XXXX XXXX has deleted the account, credit reports need to be 100 percent accurate across the board with all bureaus that being said Equifax must delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not recall having debt of {$59.00} with XXXXXXXX XXXX XXXX XXXX.This must be incorrect. How am i supposed to read books and do my homework, candle sticks?

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 written instructions

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 2021-12-11
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/21, I sent letters regarding inaccurate and unknown accounts and information reporting to my credit reports. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, the reporting agencies are suppose to provide actual proof the information was verified. This did not happen. All 3 reporting agencies ( XXXX, XXXX XXXX Equifax ) responded with computer-generated response confirmations. So again on XX/XX/21 & XX/XX/21 I sent letters credit agencies to investigation letters demanding to comply with my request. I have sent letters to the companies furnishing this information to my credit report on XX/XX/21 and have not received any information in return, no response at all. I presume that no proof of alleged debt nor therefore such any debt in fact exists. I demand that these accounts be deleted immediately or I will file for litigation due to the stress they are causing. My information was impacted by the Equifax data breach and I am a victim of Identity theft. The reporting agencies are aware of this yet they refused to do a proper investigation. This whole thing has taken much longer than XXXX. This is day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Selene Finance LP
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
For several months we have tried to get in touch with our " lender '' ( our original lender was XXXX XXXX, who transferred the loan to selene finance, the company we are having issues with ). Daily calls are not returned, the one officer in charge of our case does not reply or answer despite messages left constantly. We are automatically patched to her number when dialing in, as she is in charge of the case, and also automatically patched through to her voicemail as she is never in the office during her stated business hours. We had an offer to buy the house over value and needed to get approval due to our status on the loan, and they did nothing until the buyer rescinded the offer. This is unacceptable. We should be signing documents to put the house under contract, but because selene finance would not follow through on their end we are back on the market without a buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
Transunion is reporting inquiries on my consumer report illegally. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX  XXXX XXXX ( Finance ) XX/XX/2022 XXXX ( Miscellaneous ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022XXXX is reporting inquiries on my consumer report illegally.

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 2022-04-08
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
They are trying to say that I am not showing proof that they charged me twice. I think PayPal is hacked. But I have a record of purchases and my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share XXXXXXXX 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 explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. TransUnion, XXXX, XXXX this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.

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 2023-08-01
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
To whom it may concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file an urgent and distressing complaint against InstaLoan XXXX XXXX XXXX FL, concerning their predatory lending practices and the devastating loss of personal property, including cherished keepsakes of my late wife. 

In a period of financial hardship, I was coerced into taking out a title loan with InstaLoan to pay off an amount of {$2500.00} within 30 days. The terms were designed to exploit vulnerable borrowers, imposing an exorbitant {$300.00} reactivation fee every month if it can not be paid in full, rendering it virtually impossible to repay the loan on time. 

As fate would have it, I was unable to meet the stringent repayment schedule, leading to the repossession of my vehicle. But the anguish did not end there ; upon the repossession, InstaLoans tow service, who had possession of my vehicle for less than XXXX XXXX, took it upon themselves to clear it of my belongings. I recently became homeless so there were many things of value inside of it. It included work tools that have disappeared, {$300.00} sunglasses that I never received and keepsakes from my wife who passed away exactly a year prior. They gave me no time to come there and remove my belongings. 

Of utmost heartbreak is the loss of irreplaceable keepsakes that once belonged to my beloved wife, who XXXX XXXX XXXX. These cherished items held immense sentimental value and were an irreplaceable connection to her memory. It is nothing short of devastating to know that they have been carelessly destroyed, tossed into big black garbage bags without any regard for their significance. 

Furthermore, InstaLoan violated my rights by disposing of my personal property without proper notification or a reasonable opportunity to retrieve my belongings. I reached out within XXXX hours of the repossession, only to be met with the agonizing revelation that my keepsakes were already in black garbage bags. 

I implore the CFPB to investigate the predatory lending practices employed by InstaLoan, which led to my financial distress and the loss of my treasured belongings. This distressing experience has left an indelible impact on my emotional well-being, amplifying the grief of losing my wife and causing further hardship. 

I earnestly seek justice and restitution for the wrongful actions of InstaLoan, urging the CFPB to take decisive action to prevent such predatory practices from harming other vulnerable individuals in the future. 

Please, help bring attention to this disheartening situation and hold InstaLoan accountable for their egregious actions, ensuring that no one else has to endure such emotional suffering and property loss in the pursuit of fair treatment and justice. I am considering legal action as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: SYNCHRONY FINANCIAL
State: GA
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:
I am in need of help because i am being harassed by a debt collector who is repeatedly calling and writing me letter even though they have taken action to sue. 

I have the letters that has been written and sent to my address. I'm with the XXXX XXXX XXXX XXXX. 

My name has been Trade Marked and XXXX, I have set up my common law for my name XXXX XXXX XXXX and XXXX XXXX XXXX. I also put my name in the news paper to claim my status of XXXX year of age with the Minnesota XXXX rule ( ucc ) you can look my my name up.

15 U.S.C 1692F says a debt collector may not harass or annoy debtors, and may not threaten debtors with arrest, and may not threaten legal action.

But most importantly my XXXX out trumps everything and my Minnesota XXXX rule ( ucc ) is right behind it and if the do not stop harassing me, I will have no choice but to get my XXXX Lawyer.

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 2020-01-24
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX  is reporting incorrectly to XXXX  ; Experian and XXXX  a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.

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