BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had my vehicle repossessed by Exeter finance and then had {$3000.00} worth of personal property stolen out of the vehicle and part of it was proscription medication and nether Exeter or the repo company did anything to make it right and on top of that Exeter is saying I still owe them {$2200.00} for repo charges and other fees and i paid over that between my down payment of {$1500.00} plus the payments I made on the car and also an employee of Exeter made a deal with me to pay what I could of {$200.00} until I got paid the following Friday and it would keep me from repossession and after I paid it two days later they repossessed the car all of this happened during COVID and they agreed to help me due to my hours at work had dropped because I was doing disaster restoration going into houses to clean and repair from Fire and Water damage and the customers and insurance companys werent letting use in the houses and every time they made a deal with me they wouldnt make good on it and I know for a fact they got full price of the car when it was sold plus the finance charges so since they got all that money plus costed me way more money by having to replace all the things that were stolen from me plus having to pay fees to the department of motor vehicles I feel I shouldnt have to pay them anything because I ended up paying out {$4000.00} to get back even

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In my previous CPFB complaints ( case numbers XXXX ; XXXX ; XXXX ) referencing XXXX illegal refusal to perform a mutual offset or discharge on the XXXX XXXX ending in XXXX ; their XXXX check of my credit report ; and their retaliation for closing other accounts ( Home Depot, Macys ), I asked Citi to provide a copy of XXXX tax documents XXXX, XXXX, XXXX, and XXXX which prove that Citi is the fiduciary debtor. To date I have not received these tax documents. 

I also requested via certified mail and in the XXXX complaints mentioned Citis notice of dishonor from a qualified third party such as the US Treasury explaining why Citi refuses to perform a mutual offset or discharge. Citi must also state which federal laws prevent them from performing a mutual offset or discharge. In reference to the agreement Citi mentioned, I need the copy of the agreement which shows the wet ink signature of both parties sent to me via certified mail. Finally, Citi must explain why they kept the XXXX accounting document when they refused to do the mutual offset or discharge. At the present, Citi is already in default with dishonor and estopped from any and all future collection activity and negative reporting.

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 2023-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: AZ
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 was contacted by XXXX  XXXX XXXX XXXX regarding a balance owed on XXXX {$2300.00} this was removed off my credit under XXXX  XXXX and they purchased the account I advised I have a police report and identity theft report and they advised they are adding this to my credit report today this is against the fair credit act and this is not accurate I was a victim of identity theft this account is from XXXX or XXXX previously was removed from my credit reports now sold to this collection agency this is also reported on an federal trade commission report attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-12-17
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:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report it should not be there. THAT IS A VIOLATION. I never gave written instruction to furnish any of the following account Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I've sent out numerous letters requesting the accuracy of my Credit Report on severaL occassions and I did not get a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me As the consumer. 

The following acounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: MS
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:
Old account remove immediately Car was a lemon n was over the blue book prices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
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.

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 INSTUCTIONS. 

XXXX ) XXXXXXXX XXXX XXXX  - {$300.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$690.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX ) XXXX XXXX XXXX XXXX XXXX  {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BMW Financial Services NA, LLC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called the company and reported that this was not my account and theyre still reporting it on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: SC
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
XXXX has reported to the credit reporting agencies that I currently have XXXX loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only XXXX loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At first, our account was frozen with no information given as to why it was frozen. 
After hours of work with the bank, the freeze was removed, but no explanation given. 

Now, we have been waiting for a check to clear for over {$700.00}. It was a mobile deposit made on XX/XX/XXXX. It cleared the bank of the sender of the check on XX/XX/XXXX. I have received notice that the hold was extended at least through XX/XX/XXXX ( XXXX months after the mobile deposit ). 

I was on the phone today, XX/XX/XXXX, asking for more information and expressing a willingness to talk to any department that could clear the check. No information was given as to why the check is being held ; and there was no other department or person I could talk to that could give me more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
I have mailed 2 certified letters to Experian requesting that they Reinvestigate accounts on my credit report for accuracy. In those letters I have asked to be notified through mail with the results, both times I was only emailed. I also asked for the information obtained from the original grantor that they received in the investigation I did not received that information either. The first letter was sent certified on XXXX/XXXX/23 and I received an email saying my results are ready on XX/XX/XXXX. Second letter was sent on XX/XX/XXXX23 and I received a email on XX/XX/XXXX saying the results were ready again via email and logging into Experian. There are multiple discrepancies in the accuracy of Charged off accounts and still being reported 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 explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
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: Old information reappears or never goes away

Complaint:
Inaccurate account on my credit report, canceled debt reported as debt, no 1099C received, violating 15 USC 1681eb.

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 2023-08-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: CO
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:
Equifax CAN NOT be consistent. On XX/XX/XXXX, I checked my Vantage score 3.0 & it reflects my score went down XXXX points since XX/XX/XXXX. As of XX/XX/XXXX, my score was XXXX, now as of XX/XX/XXXX it is XXXX. See attached showing incorrect information with XXXX XXXX XXXX. For XXXX, Equifax shows I'm 120 days past due in XXXX. Account was closed ( at my request ) XX/XX/XXXX. Date of last payment XX/XX/XXXX. For XXXX, Equifax shows XXXX 60 days PD, XXXX  60 days PD, XXXX  90 days, XXXX 120 days. All other months for calendar year XXXX shows current. Also in the HISTORICAL section of Equifax XXXX AMT PAST DUE for XXXX XXXX XXXX, every month is blank. This is so frustrating when I check my credit report 2x 's a month, it is always different! I should only be 60days past due, NOT 120days! XXXX corrected their records now I'm filing this complaint on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TD BANK US HOLDING COMPANY
State: PA
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 have a personal checking account with a small overdraft protection credit line with TD Bank. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that TD Bank had erroneously reported to the credit bureaus that there was a late payment in XX/XX/ that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XX/XX/ ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XX/XX/ ( to pay the total balance in full ). 

Clearly, there was some error on TD Bank 's end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, TD 's own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my TD Bank account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

TD Bank should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, XXXX, XXXX, etc. ). TD Bank should make sure that the account does not have any late payment or other potentially negative information. TD Bank should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. 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 fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation