BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed an accountt with XXXX XXXX ( Formerly XXXX ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX has payment status reporting for XXXX as `` not more than two payments past due '', TransUnion as `` 30 days past due '', and XXXX as XXXX paid account/was 30 days past due. XXXX has the close date as XX/XX/XXXX, Transunion as XX/XX/XXXX, and XXXX does not have a close date reporting. XXXX actual report has late payment reporting XX/XX/XXXX, Transunion 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and XXXX 's report has late payment reporting as of XX/XX/XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/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 2023-02-08
Company: EQUIFAX, 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:
I had a loan with them, monthly payment was {$250.00} due ( XXXX of the month ) on XX/XX/XXXX a payment of XXXX was applied to the balance bringing the balance to {$2700.00}. A Lien release was also created. A car dealer purchase the lien vehicle. I had called multiple times because I told after payment was made a principle breakdown would be applied with a monthly payment lower payment. I called a few times regarding this principle breakdown agrrement-XXXX, XX/XX/XXXX, XXXX Finally on XX/XX/XXXX I received a principle breakdown and and now I am currently waiting for clarification on the amount and interest rate which was not provided on the the document sent to me. XXXX was paid on XX/XX/XXXX which in fact would cover a few months of payment, I am not late. Plus I said I would not pay anything additional to loan balance until this principle breakdown has been all cleared up. As of XX/XX/XXXX I am still waiting for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Why Chase is doing are doing DECEPTION and SCAMS!! I did bought an item on Amazon on XX/XX/2020 with they offer 18 months of interest free over {$500.00} ( AMZN Mktp   XXXX Amzn.com/bill WA XXXX ) and now I don't have that option just because I bought another item on XX/XX/2020 from another store XXXX AMZ*XXXX service @ XXXX NY XXXX ) and I did return the item and the credit is apply to my deal of no interest for 18 months this is a SCAM just because Chase have a system that any payment id apply to the lower rate, but this was not a payment it was a return credit. I Just want Chase to comply with there deals. I just make a payment to pay amount of {$210.00} and the card account is almost pay of because I don't want to be charged with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Public record information inaccurate

Complaint:
XXXX XXXX, XXXX, transunion, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: LEXISNEXIS
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:
I never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XXXX XXXX, XXXX + {$470.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$240.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2023-05-17
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:
There are multiple accounts showing on my consumer report that are inaccurate. The first is XXXX XXXX. There are three repo 's listed on there and multiple dates in between the repo 's that show the status as OK. I have contacted the company multiple times giving them the option to correct the account and they have done nothing besides threaten me illegally and claim it is validated-which it clearly has not been. A quick search of the XXXX shows that it was sold last at an auction in XX/XX/2018 by XXXX XXXX, but it shows the last repo as occurring on XX/XX/2018. This is clearly a mistake and one of MANY on this inaccurate account. The next are charge offs. According to the IRS when a debt is cancelled for more than {$600.00} it counts as income for the consumer but there are four cancelled debts still showing on my consumer report : XXXX  XXXX XXXX, XXXX XXXX XXXX, and 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 2021-10-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased furniture from Ashley Furniture and they opened 2 cards in my name. Each one had a credit limit of {$8300.00}. When I looked at the charges on line I noticed they over charged one of the cards {$11000.00}, which makes my card over the limit and shows I have - {$2600.00} available credit. On the other card they originally charged me {$3400.00}. They also had a charge pending of {$6400.00}. My total charge for my furniture was {$14000.00}. I called the sales person several times and she basically told me that it is in the hands of the store now and not to bother her anymore and even hung up on my one time. I have been on hold with the customer service who tells me I have to talk to the store directly. I have sat on hold several times for many hours. One time it was for around 4 hours and sometimes they just don't answer there phones, so the only department you can talk to is customer service. I have been told several times after I talked to someone that they are working on it and give it 72 hours. Nothing changed so I physically went to the store and spent 2 hours discussing this. When I got to the store they said this is the first they heard about this, so obviously they were just blowing me off. 
They acted like they were going to fix it. They are supposed to remove the {$6400.00} that was pending so I would have enough credit to move XXXX to the other card and then they would credit the card that was over the limit the {$3000.00} and it would take up to 72 hours. That was XX/XX/21 and now they have removed the {$6400.00} pending and added charges on XX/XX/21 which are pending of {$3000.00} and {$3000.00} so I am back in the same boat. I have been on the phone with them again and still no resolution. I am trying to refinance my house and this is damaging my credit. I don't know what to do. How to resolve this issue. I have been trying to resolve this since XX/XX/21. I am on hold with them right now trying to resolve the issue and have been on hold for over an hour so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) 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 2023-07-22
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Mariner Finance sent me a check that was automatically deposited. I did not agree to the usurious terms and Pennsylvania caps interest at 6 %. When I learned that Mariner was charging an outrageous amount of interest exceeding the lawful limit, of which I did not agree in writing, I attempted to pay the loan using a debit card. Mariner, to earn fees, makes customers break the payments into {$750.00} increments. Therefore, I agree to pay {$2.00} on the {$750.00} payment. However, Mariner refused to process the payment stating that I was " restricted '' from making payments. In other words, Mariner refused to accept the payment causing the loan to be late, adding more usurious interest that I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2023-01-23
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the XXXX XXXX information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fair reporting act ARS reference # XXXX, XXXX XXXX XXXX XXXX, reference # XXXX, XXXX credit acceptance account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the right to privacy. 15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have accounts that's not reporting properly. In correct dates and amounts. In correct status.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
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:
I have disputed the inaccurate reporting on XXXX accounts ( XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX, Account # XXXX ) with Equifax numerous times over the last XXXX years and each time Equifax sends me a notice stating that they have either verified that the accounts are reporting accurately or that the accounts have been updated. Equifax has. not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that Equifax verified the accuracy of the accounts and/or that the accounts were updated. Below is a list of disputed inaccuracies on both accounts : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: I.C. System, 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:
XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX as well as I C SYSTEM INC : Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.

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