BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Scammed of {$75000.00} Hi! This is going to be a long story, and a bit confusing. But I was scammed out of {$75000.00}, and the individuals responsible were arrested this week. 

In 2022 I decided to sell my extra car because I was quitting my job to open my business and a {$1200.00} car payment just wasnt realistic. I posted my car on XXXX XXXX and eventually a buyer messaged me with a reasonable offer. I responded, we chatted for a couple days, and the transaction took place. 

Due to him being out of state, I called my bank directly and then I patched him in on a third-party call. He gave his information to the bank and the transaction went through. Im relatively aware of the scam, so I waited a few days to hand the car over. I called the bank and they informed me the funds had cleared, my loan account was closed, and the title was in the mail. 

2 weeks later, the same day I received the clear title in the mail, the bank called informing me that the loan account was reopened and they need me to return them my title. I informed them my car was sold and no longer in my possession. 

I called the police and filed a report, then called my insurance. Upon talking with insurance I remembered I have XXXX on the car. I found the car in XXXX and had it recovered by the PD. Many fees were accrued in the process, as well as damage to the car. 

Each time Id call the bank and ask for an explanation, the teller would look, go silent, stumble over their words, and inform me they can not speak on any details. They can only inform me that I am financially responsible for the entire amount remaining on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 explanation
Consumer complaint received 2023-07-13
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I took out a loan with Titlemax.. The lady explained that my payments would be {$110.00} and that I would be paying for 24 months. I thought is was a regular loan that you make monthly payments on. 
It was not explained correctly. It is my fault for not clarifying how the loan was to be paid. However, Of the {$1000.00} I borrowed I paid back over {$3000.00}. Interest rate was 152 %. The car was destroyed and I continued to make payments until I just couldnt anymore. After years they are contacting me to pay it off. This company received 3x their money back. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MI
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: FL
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 previously filed a dispute regarding a collection account ( XXXX XXXX ). I disagreed with results. Equifax hastily completed their investigation and stated that the account belonged to me. I was disputing the amount owed. If they would look at the numbers submitted by XXXX then it would be 0bvious that there are no itemized charges adding up tom XXXX Furthermore after I complained about Equifax and XXXX  preventing me from obtaining my report in an easy and timely manner. Here is my new complaint : On the XXXX of XX/XX/XXXX, I opened myfico account and and my Equifax credit score was XXXX. Today four days later it is XXXX. XXXX went down to XXXX. How is this possible when my credit limit went up on my XXXX XXXX card and the balance of my XXXX  XXXX card went down. I also paid off my personal loan and have not been late on any payments the last 6 months. Meanwhile XXXX raised my score today to XXXX .... Are Equifax and XXXX retaliating because I closed my monthly account with them and then filed complaints against them both? I have to believe that I am being punished. I am a XXXX XXXX XXXX XXXX veteran trying to get a car and an Apartment. How the heck can my scores go down almost XXXX points in four days. XXXX, please enforce whatever rules that Equifax and XXXX are breaking. There is No way that my score could drop that much that fast. And to make matters worse Equifax and XXXX listed the XXXX XXXX account as new when it has been there since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-28
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not liable for this account, it is littered with inaccuracies. I have sent a letter to Equifax on XX/XX/2022 requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX ) is reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous account and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/2015 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 2022-04-24
Company: Bankers Auto Acceptance
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of looking for affordable housing. So I wanted to secure that my credit was at a decent level so that my family and I could find a place that we could afford in California. Therefore, I signed up for the accessible overview of XXXX, which gave me a perspective overall on my credit. I mailed " Time Finance Co '' with certified mail yet had no proper professional response. There were many concerning issues, and I began researching my given rights as an American citizen and requesting CFPB to do a legitimate correspondence with " Time Finance Co. '' Document # 1 : XXXX XXXX screenshot of " Time Finance Co '' reporting to my credit report with the amount of {$4300.00} Document # 2 : -- Letter i had mailed to : Time Finance Co at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which indicated that I needed further proof. Under the laws of California, UCC 9.506, XXXX XXXX, and XXXX statutes, a deficiency can not be asserted unless all of the mandated notices were adequately and convenient given to me and all of the allowable redemption and cure time limits were adhered to. 

Attention to : I. 9-506. - EFFECT OF ERRORS OR OMISSIONS.

II. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

III. 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

IV. 9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 


Therefore, Time Finance Co is OBLIGATED to deliver me all proper copies of the legal notices ( 1 ) proof of the commercially reasonable manner of the notification ( 2 ) verified resale of the subject vehicle ( 3 ) If no such proof is provided from 1 to 3 within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if Time Finance Co singularly or severally fails to fulfill the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Lastly, Time Finance Co is hereby informed that at no point in time and under no circumstances is Time Finance Co company ; an employee of your company ; a representative of the company, or affiliates are to contact me or any family members by any means other than the US mail system to the address stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Document # 3 : -- certified mail proof of sending a letter to Time Finance Co at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Document # 4 : USPS certified mail proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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 ridiculous! The Credit Reporting Agencies have failed to properly conduct an investigation in order to have the disputed fraudulent accounts and information that are reporting on my Credit File. This CFPB complaint is already my 10th CFPB complaint requesting the same request over and over again, and yet they are still indicating the dispute accounts and information. Under the fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove the disputed accounts and information that resulted due to identity theft. However, the Credit Bureaus have claimed that the disputed items were verified without sending me copies of proof of verification or any documents bearing my signature. This action of the Credit Bureaus is a clear violation of a consumer 's rights which protected by the Fair Credit Reporting Act. I previously contacted the Data Furnishers and they verified that the disputed items are reporting erroneous information in some way or another. I am now submitting this CFPB Complaint to request that the Credit reporting agencies completely remove the disputed accoutns and information from my Credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00XXXX XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-06-06
Company: VW Credit
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On numerous occasions VW Credit ( the " company '' ) has deactivated autopay claiming the account was invalid, and requested a voided check. After sending this an activation notice was sent ; however, checking today I see the auto pay is disabled again. The reason given is " the bank rejected it '', but the bank claims that no such request was made, nor a request to process a payment. Furthermore, this exact account number is used for other autopays, including a vehicle. 

The company is unwilling to fix their software and is making it very difficult to deal with as I must regularly -- over 6 months now -- babysit payments, which was not what was agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FTC US Department of EDU total {$24000.00} XXXX  XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$2200.00} US Dept. of EDUCATIO XXXX XXXX XXXX XXXX XXXX  Please remove these Inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX accounts and XXXX XXXX XXXX {$24.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX , XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$840.00}

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 2022-07-01
Company: Experian Information Solutions Inc.
State: WI
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 3 major credit reporting agencies are reporting negative information in my credit file., i have never given anyone written permission per law, to place anything in my personal credit file. as per fcra, ( fact ), law i was supposed to be given a 30 day warning, before or within 30 days, that anything negative would be put in my file. I have written the alleged lenders, and they have never verified, or even written me back at all.The credit bureaus are supposed to be independent reporting, but they obvioulsy are biased, and do things that are harmful to americans financial well being. We know they are too big to fail, but too big, too follow, the law?? There actions are instrumental in keeping americans in illegal/unlawful Financial slavery., US v Kozminsky

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