BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
DEAR XXXX ; TRANSUION ; XXXX, AND CFPB ; There are 3 accounts that i been trying to dispute 3 negative items on my credit report such as XXXX XXXX, XXXX ; and XXXX that continues to report inaccurate, incomplete and erroneous. 

Plus Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.

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 2023-05-16
Company: Southern Auto Finance Co
State: MO
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:
SAFCO- Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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:
On XX/XX/2023 I submitted a dispute Report # XXXX stating that the company XXXX XXXX XXXX XXXX XXXX not have a collection agency license in XXXX XXXX XXXX  according to the XXXX XXXX XXXX XXXX and I asked for said item to be removed from my credit report. Experian never acknowledged provided proof of researched item proving that this company has a lisence to collect in my state. On XX/XX/XXXX I submitted a dispute again asking them to research and remove, they never provided proof of research and kept the account on my credit report. 

In addition I did not give Experian permission to report this XXXX XXXX XXXX XXXX account on my credit report and according to 15 USC 1681 Section 602 A I have the right to privacy. According to15 USC 5 1681 B I did not give permission or consent for this alleged debt to be reported on my account, as well as 15 USC 1681 Section 604 A Section 2 A consumer agency can not furnish an account without written instruction : which I never gave them.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
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 hereby dispute the accuracy of the account information on my XXXX XXXX XXXX XXXX closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through XXXX XXXX XXXX XXXX. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through XXXX XXXX XXXX XXXX to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the XXXX insurance coverage and its application in my case. 


I kindly request that XXXX XXXX XXXX XXXX thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.

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 2020-07-28
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: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has sent a collection agency to retrieve XXXX dollars not owed. I stopped doing business with them XXXX of XXXX  and switched to XXXX. mystatement via email from XXXX  XX/XX/2022 was XXXX yet they claim I owe XXXX dollar all of a sudden. this is hurting my credit score and I don't owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-02-15
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is stopping me from getting a fair line of credit for credit card, loans or a credit score. is been closed since XXXX is over XXXX years old but is still furnished to anyone without my consent. 
Bank XXXX XXXX # XXXX closed XX/XX/2014 XXXX XXXX XXXX XXXX XXXX XX/XX/2014 Dept of XXXX XXXX XX/XX/2014 XXXX 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 1681 c ( 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 1681 s-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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

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 2023-05-16
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/XXXX, my various credit reports are showing that I owe an amount of {$120.00} to a debt collection company called the CBE Group. Given the amount and time frame, it's fair to assume that the original debtor is XXXX Communications. They're claiming that I have not returned my router and modem equipment. 

The equipment in question was returned to XXXX in XXXX  of XXXX after my first internet contract expired. XXXX is unable to keep proper records of the equipment they receive, so they sent me a collections amount for {$120.00} in XXXX of XXXX claiming that I never returned the equipment. I, then, contacted the debt collection agency and the CFPB to get the issue resolved. Long story short, both XXXX and the debt collection company couldn't adaquetely prove that the equipment wasn't returned, so the debt was removed from my credit report. 

Fast forward a few months, I was forced to re-sign with XXXX in late summer of XXXX due to limited options at my apartment complex. With this second contract, I decided to use my own equipment to avoid a potential second derogatory mark on my credit. Lo and behold, they've decided to charge me AGAIN for the exact same equipment after my second contract ended in XXXX of XXXX. 

XXXX will not provide me an explanation as I've tried to dispute the charge directly with them. My theory is that the salesperson, who signed me up for my second contract, must've wrongfully assumed I'd be using the equipment from my first contract ( even though it had already been returned ) and marked my account as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
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: Reporting company used your report improperly

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-08-21
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: Reporting company used your report improperly

Complaint:
The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX XXXX  Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this XXXX and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this XXXX and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Account information incorrect

Complaint:
XXXX and other credit report companies has reported wrong loan amount totaling more than {$40000.00} on my credit which is wrong. I have already paid the balance in total as per my previous submitted complaint XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
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: Account status incorrect

Complaint:
PAYMENT STATUS AND HISTORY IS NOT ACCURATE. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. IN ADDITION ; THERE ARE TWO DIFFERENT COMPANIES LISTED. THIS IS ALSO INACCURATE REPORTING AND A VIOLATION OF THE FRCA.

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 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX someone tried to open an account using my social security number at bank of America. Shockingly BofA sent an email saying this account can only be opened with a physical ID at a branch and you would think that would be the end of this. 

I called them to inquire about this and they informed me that a flag would be placed on my account to prevent this from happening in the future. On XX/XX/XXXX despite the supposed " flag '' someone did open an account in my name with my social security number. I called bank of America and they told me they closed the account and this will never happen again. On XX/XX/XXXX again Bank of America allowed someone to open an account using my social security number, an address that was not mine and they should have known was not mine because I am an active BofA customer and a name that is not my legal name. On XX/XX/XXXX someone used this account to commit fraud and I was texted about this fraud despite my number not being on this account. ( I believe BofA allowed this fraud to go through because they used my SS number and matched my active account with this fraud account and this exposes a massive security issue ). I called BofA on XX/XX/XXXX to confirm the account was closed and only then did they shut down the account. At the time they claimed that they opened the account based on a XXXX report. This is false on two fronts : XXXX ) According to my XXXX  report they never checked the report XXXX ) The address that was used on the account is not in my XXXX  report. 

It appears that BofA has no ability to stop this fraud from occurring as the fraudster did not even need to receive a physical card because they committed fraud using the virtual card in XXXX XXXX. As long as they cant stop someone from opening an account in my name, fraudsters can continue doing this. 

Additionally, although I have been a BofA customer since XXXX, BofA is communicating with me about this fraud using an email address that is not listed on my account, a name that is not my legal name, and an address that I have not used in 8 years. 


Attachments : XXXX report showing that they didn't check it and the address they used for this account was not there Email showing that account could not be opened without id Emails showing the accounts that were opened emails showing that the debit card was used Text message that came to me about this debit card being restricted. it was not restricted and my number should never have been on this account. 
Screenshot showing my actual accounts

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 2023-01-12
Company: Kubota North America Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
hi i called the company and told them i could pay on the 4th but my bank account was stolen thy said that kubota took back the account i called kubota thy said we dont have the account avanta usa had it i was told by andrew at avanta no thats not true kubota took account back so know one knows whare the account is im trying to take care of the account my uncal co signed for the loan his bank said that kubota took XXXX out of his account to pay the loan both kubota and avanta usa said no check was cashed but he has proof from his bank the bank going to send proof to kubota and i have an email i owe XXXX from kubota i sent to kubota as proof and avanta is saying XXXX or will repo it next week thy never tryed to contact me or i would have taken care of this matter i asked what number thy tryed calling and the numbers thy called was not mine and i asked them to call kubota to get the right in fo and somone droped the ball boy he got mad at me on the phone and stated not our job and we will not contact them for the info and we will repo in next week after all this even know thy made a mistak are un willing to correct it myself and my uncal have spoken to both companeys 3 times and can not get this corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation