BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1st, recently they edited a payment history on my credit report to show XX/XX/ as 30 days late, when previously it showed XXXX XXXX  as current. They did this to fit in with the lies being told. Due to covid my family was super sick and had a 2nd repossession. They are claiming it was 120 days late on the 2nd repossession, but it was not. They said after 120 days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract. It took 1-1/2 years for me to finally be told this information. They have ruined my credit due to grossly reporting in accurate info. I have paid on time for 1-1/2 years, but they wont report 1 single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a XXXX, and also closed account on my other credit report when Ive been paying on time for going on 2 years. This is a gross misinterpretation of the truth. It is destroying my families life! Recently they went in and edited the XX/XX/ payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was 120 days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX. They are editing information to help continue the shady business practices. They are destroying my life! My score dropped XXXX points after the reason edit. Please help me. The XXXX  is involved now also, and have been communicating to XXXX XXXX. They have the legal terms down to a science and know exactly how to word everything. Im going to sue the XXXX, XXXX and everyone involved for defamation. This is a lie!!! Im paying on time every month but all it shows is XXXX How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a divorced mother of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely.

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 2023-07-07
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter that I owed over XXXX XXXXXXXX to an apartment that " didnt receive '' our break lease fee. They charged us rent until the end of our lease despite ample notice and not cashing our break lease fee. They never called or sent a letter to our forwarding address of any bill owing. After they sent us to collections I still have not received any paperwork of what is exactly charged from the apartment. I was told if I didn't apply for a loan through XXXX they wouldn't allow me to setup a payment plan and they would damage my credit by reporting me to the credit agency. I tried to setup a payment for the XXXX of the next month only a few days to a week away and they demanded immediate payment or they wouldn't work with me. Again I felt threatened and I still don't knew exactly what I owe from the apartment I believe fraudulently didn't cash my check so they could collect more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-05-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by Equifax. Specifically, Equifax  is reporting a XXXX late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to TD Bank. Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NC
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:
This inquiry is not authorized by me and I did not inquired in this company. Remove these as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called a hospital on XX/XX/2023 to pay my up front portion of {$3200.00} for a procedure. I tried my Care Credit ( Synchrony Bank ) card, to see if I was eligible for any payment plans. Found out I was not, so the hospital voided the transaction. I paid the {$3200.00} with another credit card on XX/XX/XXXX. I received an email update on my Care Credit ( Synchrony Bank ) card that indicated I had a balance of {$3200.00}. The hospital has no recorded of the {$3200.00} from XX/XX/2023 on my account, only the transaction from XX/XX/2023. I have tried a couple of times to dispute the charge of {$3200.00} on my Care Credit ( Synchrony Bank ) card, including providing all records from my hospital account, showing there is no charge on XX/XX/2023. So far Care Credit ( Synchrony Bank ) card has not credited my account for the amount of {$3200.00}. I have tried several times to get updates via Synchrony Bank 's online customer service portal, but I can not get any information. I have tried several times to call their customer service number, but am told the disputes group does not take phone calls. So, I can not get a proper update on the status of my dispute.

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 monetary relief
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXXXXXX XXXX XXXX Inquiry : XX/XX/2023 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: January Technologies, Inc
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello my name is XXXX XXXX, In XXXX, I opened an account for a XXXX  XXXX issued by XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. After making all payments on time, I fell behind on a few and had a balance of {$780.00} as of XX/XX/XXXX. XXXX  wanted a minimum payment of {$300.00} and I informed them I could not make that payment. 

I received a call from a women named XXXX and she was my case manager for XXXX, and she offered me a settlement offer of {$620.00} in two payments of {$310.00}, and i accepted the offer. She gave me a confirmation. number of XXXX, and i sent in two separate money orders for {$310.00} each. She said once she received both payments my account would be considered paid in full and closed. 

Fast forward to XX/XX/XXXX, XXXX I am sent a letter from a collection agency called XXXX XXXX claiming that I owe {$470.00} to XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX The letter says XXXX XXXX XXXX has placed the above referenced account with our office for collection. They have date of last payment as XX/XX/XXXX. As the letter stated, I had 30 days to dispute this claim and i did just that. 

I called XXXX XXXX and explained to them that I had accepted a settlement offer form XXXX  XXXX in XXXX and paid the {$620.00}, and I do not owe the {$470.00} they claim I owe. They would not take this message as the answer and kept on harassing me. On XX/XX/XXXX, I wrote XXXX XXXX a cease and desist from contacting me letter, and in the letter, I also wrote that if XXXX forwards or returns this supposed debit to another company they need to inform them to cease and desist any kind of contact with me as well. 

XXXX XXXX ignored my cease-and-desist letter by turning over this ridiculous and false claim to a collection agency called XXXX XXXX XXXX, XXXX, who continued to try and make me pay the {$470.00} that I do not owe. I called XXXX and informed them as well that I had settled this matter in XXXX and I do not owe any more money. XXXX XXXX XXXX eventually stopped contacting me until they turned me over to yet another collection agency. 

On XX/XX/XXXX, I received my first email from the collection agency XXXX XXXX XXXX XXXX A person named XXXX says they were hired to collect on my XXXX  XXXX Credit Card balance. This account was originated by XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the current creditor is XXXX XXXX XXXX. XXXX are still trying to collect the {$470.00} for the account ending in XXXX. 

Now I have been dealing with this issue that I was told was concluded in XXXX of XXXX, and I need your help in bringing this issue to a close. I do Not owe {$470.00}. 

Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XX/XX/2022, I noticed that XXXX XXXX XXXX powered by Experian offering within the XXXX XXXX app stated that my credit check status was only " Fair '' due to 3 recent hard inquiries ( see XXXX attached ). As two of the inquiries on my credit file were for mortgage preapproval and both were on XX/XX/2022, and based upon my understanding that real estate mortgage inquiries only count once within a 45 day period, which is highlighted in " What exactly happens when a mortgage lender checks my credit? '' attached, I believe should only have my hard inquiries on my record currently count ( as of time of this complaint ) as 2 inquiries. 2 inquiries would put me into the " Good '' category ( see recent credit hard inquiries XXXX attached ). As a result of this, I called Experian on XX/XX/2022 at approx. XXXX ET. The representative said that even though mortgage inquiries should count as 1 combined, they show up as separate inquiries because they are from different companies. As a result, she informed me that 3 hard inquiries will continue to show up on my credit report. When I inquired if this changed my status to " Fair '' she informed me that she could see no information about my credit score at all and I'd need to speak to " Membership. '' I decided to follow up and call XXXX instead at approx. XXXX ET. When speaking to the XXXX representative, I was told all the information was coming from Experian, and they see whatever Experian shares, which I understood to include the Fair credit check status and 3 inquiries rather than Good status and 2 inquires. I was told that this was Experian 's responsibility to ensure was reporting accurate information and all the information comes from Experian.

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 2023-12-11
Company: Experian Information Solutions 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:
EXPERIAN : in XXXX of XXXXXXXX XXXX and XXXX of XXXXXXXX XXXX I did dispute fraudulent info regarding two collections agencies trying todo collection on the same debt " exact '' ACCOUNTS .... which both can not do? First... .of all .... 
and which I neither owe original debt too... also... .see below. Lastly, because " Debt was paid '' off long time ago. And neither one has presented proof I owe the debt... Experian refuses to investigate the collection agencies. Original Creditor was XXXX XXXX XXXX. " Paid them ''. See below : ( 1 ) XXXX XXXXXXXX XXXX XXXX , XXXX, sold to XXXX XXXX XXXX ..closed written off ( 2 ) XXXX XXXX XXXX XXXXriginal creditor XXXXXXXX XXXX XXXX, DEBT BUYER ..collection account What is Section 604 of the FCRA 15 USC 1681?

FCRA section 604 ( c ) defines when consumer reporting companies may furnish consumer reports in connection with credit and insurance transactions not initiated by the consumer. 15 U.S.C. 1681b ( c ).

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 usc 1681 602 ( a )

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 2023-07-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
The XXXX XXXX account was deleted from my credit report 2 times and Experian keeps adding it to my credit report. I am so tired of these credit bureaus and the way that they do illegal things. I disputed this account and waited the whole 30 days as required by law and now they just added the same account to 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 2023-01-10
Company: Upgrade, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Good afternoon! 

I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! 

Let me inform your company of some Laws protecting consumers. 
12 cfr part 1002 talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. 
Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. 

Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. 
Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. 

These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. 
This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! 
There is civil liability for violation of these laws! Please see 15 usc 1692k. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. 
Please forward this to your XXXX or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! 

Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NJ
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:
15 usc 1666b a creditor shouldnt treat a payment as a credit card. Which this account from XXXX XXXX XXXX XXXX is a charge off.

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