BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character. 

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA viloations not my XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX type Single family not my phone number ( XXXX ) XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-01
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: MD
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 submitted a factual dispute to Experian pointing out inaccuracies XXXX XXXX XXXX XXXX was reporting. I've disputed XXXX XXXX repeatedly reporting " Charge Off '' on my account and XXXX XXXX XXXX. I am aware the creditor has the option to update its reporting however it came back as verified. I have sent several requests for them to provide me with the method of verification used to verify the information being reported those request came back with a credit report and a updated saying verified. Please see attached at this point I am requesting a deletion of this creditor from my Experian 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 2023-03-26
Company: EQUIFAX, INC.
State: MD
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 some inquiries on my report that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: AL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: PA
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
-signed an agreement with Synchrony Bank to finance a sewer repair with XXXX XXXX on my phone ; truth be known the XXXX rep pressed the button for me.

-NEVER RECEIVED AND COMPANY REFUSES TO GIVE ME A COPY OF THAT AGREEMENT; they say XXXX XXXX  should supply that, but XXXX claims they don't have a copy and have tried to get it from the Bank but they won't even speak to them - I want to see in writing what the interest rate is because they have the regular rate and a promotional rate which is what I received supposedly but have nothing to prove that I did. They claim it is on my statement. Where?

- I made a mistake when I sent the first payment in, didn't get the full account number on the check, corrected it as soon as I was notified and paid them the right amount. There was supposed to have been no penalty for this error because of the timeliness of the correction.

-My bank account shows that I have paid them the correct amount each month since I took out this loan -they say I owe {$35.00} interest. Interest for what???? I can't get them to tell me. Maybe I do, but I don't know what for and I will not pay it until I am told what it is for -I believe they have made a mistake and won't correct it -I called and spoke with XXXX today , then XXXX, then asked to speak to the supervisor. They kept me on the line so long that my phone overheated. So I had to disconnect.

-Broken record : you owe {$35.00}, pay it by XX/XX/XXXX even tho I sent in my payment for XXXX and they didn't notify me of the {$35.00} til XXXX days ago! And there was no explanation so naturally I ask why. 
-They don't like it that I have my bank send the payment each month. They have not earned my trust. They can keep hounding me about my payment method, but it will not change until they explain themselves. I am an XXXX XXXX XXXX widow living on a fixed income. I watch my money. 
-This is a HUGE bank that really doesn't want you to speak to anyone. It is almost impossible to talk to a person and of all the phone calls I have made to them, I have only spoken to XXXX person that was civil, helpful and worked to resolve my problem or answer my question.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. If the following accounts are not removed from my credit report due to inaccurate reporting and unverified information, I will move forward with filing a statement of claim. Immediately remove the following accounts and inquiries from my credit report : 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 XXXXXXXX XXXX XXXX XXXX XXXX. XXXX has since removed this account from my credit report. Please see the attached FTC report and remove the aforementioned 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 explanation
Consumer complaint received 2023-12-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I noticed I have 1 late payment being reported by SYNCB/AMAZON  . I notice the late payment was reported in XX/XX/2023. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Total Current Balance : {$50000.00} Asking for forgiveness..discharge..cancel due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I have agreed to a settlement with Synchrony Bank / Ashley Furniture in the amount of {$1200.00}. With three consecutive monthly payments. I have fulfilled the arrangement and provided proof of the payments as well attached to this dispute .Keep in mind of the last payment in the amount of {$50.00} which was made over the phone. Because a representative stated that they had an issue with their system with that last payment. So they advised me to call and pay and when I paid the {$50.00} and I a was verified by multiple representatives that the account was paid in full clear. I have also days later called multiple times and each time was verified that I paid off the amount in full. Months to year later it reflected on my credit as a charge off. I have called multiple times spoke with their dispute department. Sent letters with documentation of them wanting proof of payments, which I sent to them. And there response letters only stated in return that I owe them something each time. They never really reviewed my proof just wanted me to pay. No direct response either really frustrating.

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 2023-07-05
Company: EQUIFAX, INC.
State: TN
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 3 Credit Bureaus to update 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 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Balance : {$6900.00}.

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
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep dissatisfaction and concern regarding the unsuccessful outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the fraudulent entries persist on my credit report, creating substantial financial and personal challenges. 

I am deeply distressed that, despite my sincere efforts and adherence to the required procedures, the fraudulent items persist on my credit report. This ongoing issue is not only detrimental to my financial standing but also poses a threat to my overall well-being. 

I kindly request the following actions : A thorough and expedited reevaluation of the documentation provided in support of the dispute. 
Immediate removal of the inaccuracies associated with the fraudulent items from my credit file. 
Transparent communication outlining the resolution process and the steps taken to rectify this matter. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress