BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
XXXX XXXX XXXX XXXX {$3700.00} # XXXX XXXX  card # XXXX {$7400.00} Please remove addresses never live there XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-04-17
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is attached XXXX was paid and the company continues to try and collect a debit which was paid to the original creditor Debit Collector CREDENCE RESOURCE MANA Balance {$290.00} Balance updated XXXX XXXX, 2023 Contacted XXXX and they have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Sensible Auto Lending, LLC
State: IN
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:
My credit report shows a late payment for the month of XX/XX/2022 from sensible auto my finance company. This late payment dropped my credit score almost XXXX points, so i checked and i never went 30 days without making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions 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:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2018-04-12
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a XXXX and received a huge bill despit having insurance. Negative records on credit despit disputing it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
State: NY
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:
Hi I called Amazon synchrony bank about a duplicate charge pending authorization for XXXX ( twice ) I was told if I dispute the duplicate charge with my own bank they would close my synchrony credit card I was threatened by synchrony back that I am not able to dispute any charges pending in my account and if I do I will have my synchrony accounts closed.

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 2020-07-18
Company: Experian Information Solutions 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:
XXXX  is inaccurately reporting a bankruptcy on my credit file. I have also been blocked from having online access making it difficult to view my credit report and submit disputes online. It has proven to be extremely difficult and troubling trying to call and speak with a live representative regarding this matter. At this point XXXX  has failed to offer sufficient access to my credit file. 

After going back and forth in written correspondence a my only option, my last letter ( copy attached ) was mailed via certified mail on XX/XX/2020. I received an automated response that did not satisfy my written request. I have been denied sufficient access to my credit file and denied adequate documentation as requested per FCRA 611 ( a ) ( 7 ) to request a complete description on all methods used to investigate 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 explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize and are fraudulent and need to be deleted ASAP they are affecting my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called Ability Recovery services multiple times for a debt on my credit that is not my responsibility to pay as it was paid by insurance for a medical claim. I have requested supervisors, none return my call. The representatives I do speak with are extremely rude in tone, and verbage. I have been trying for 6 months to have this debt removed from my credit. I have disputed, because it was paid by insurance and they confirmed my reason for disputing but did not remove it. I have been hung up on when requesting a supervisor as well. I have not had any success with this debt being removed.

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 2023-06-23
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not recognize or authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2020-07-18
Company: Experian Information Solutions 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:
Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with XXXX XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with XXXX. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, 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 2020-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with XXXX XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with XXXX. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: OH
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name LOAN BY PHONE DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2020-07-18
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:
Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with XXXX XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with XXXX. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, 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 2020-04-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Previously I sent in a complaint request because I am asking my mortgage company SPS to allow me to pay my own escrow account. ( Taxes and Insurance ) They sent you an older value than the current value of the home and you closed my complaint based on that information. With my new complaint, I am attaching proof of my home 's current value from both XXXX and XXXX. Please disregard the OLD information SPS is trying to use as FALSE PROOF and have them to allow my request. This company SPS is not being honest with me or you. 

Sincerely, 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 2023-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX account # : XXXX Many discrepancies in the report including last payment dates, date last active, different credit bureaus reporting different payment status, late payments. Don't recall ever paying late on this account. 

XXXX account # : XXXX in the amount of {$6400.00} Many discrepancies in the report including last payment dates completely different, date last active completely different, account status shows paid on XXXX but Derogatory of two others, different credit bureaus reporting different payment status ( Charge off or unknown ). 

XXXX account # : XXXX in the amount of {$4400.00} Two accounts with the same account number but different amounts. Are these duplicate accounts? If so, I want them both deleted. Many discrepancies in the report including last payment dates completely different, date last active completely different, the two year payment history is different in all 3 bureaus, high credit amount is reported differently. 

XXXX Account # : XXXX Many discrepancies in the report including date of last payment, date last active, reporting as different account types, date opened different, last reporting dates are different, and all XXXX bureaus are reporting different two year payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Account Number XXXX, Date XX/XX/XXXX, High Balance {$540.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$790.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5200.00} ), XXXX  XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) Its been over 45 days and TransUnion XXXX respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-06
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 status incorrect

Complaint:
I made a uniform decision on XX/XX/XXXX when I entered a XXXX  XXXX XXXX credit transaction. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and XXXX XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus Equifax, XXXX, and XXXX updated my credit report with more inaccurate information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation