BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am reaching out about the Wells Fargo possible lawsuit and owed monies for anyone with mortgage from XXXX Thank you! 

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 explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX – partial account number ****XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Synchrony handles the zero-interest XXXX XXXX . I paid off a defective hose ( {$79.00} ) and sent it back to XXXX  because it had several leaks. ( Found out they charge {$8.00} for the shipping label. ) After several weeks I called Synchrony who noted, yes, we see the hose was returned. We will issue you a refund for {$53.00}. When I pointed out I had paid {$79.00}, they said they would need to deduct {$26.00} from my refund check for " outstanding balance '' at XXXX  on an XXXX XXXX  XXXX. I had set up " 5 easy-pay '' monthly payments on the hair product and had 2 payments of {$10.00} left- the first of the 2 payments was not even DUE for 2 weeks. The last payment was due in XXXX. When I pointed out that these were 2 separate transactions/agreements with XXXX  and they had no right to take MY money that I had already paid - and use it to PRE-PAY my easy pays for me with XXXX  -- they claimed " our hands are tied ; it won't LET US make refunds when you owe XXXX  any payments. '' If this isn't illegal, it is surely unethical. They are tampering with the consumer 's budget, deciding how my agreement should be managed, taking money out of my pocket that was already tendered for a defective product. Synchrony is making interest off my money in their bank account.. and off of millions of other people 's money. I received the refund for {$53.00}. My balance at XXXX  is still showing I owe them {$8.00} for the shipping label and 2 payments of {$10.00} for the last two easy-payment on the hair product. Calls to synchrony- they say they will need to transfer me to XXXX. Customer Service at XXXX  has no remedy. Widespread theft is what I think it boils down to.

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 2023-11-03
Company: LEXISNEXIS
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. LexisNexis states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from the United States Bankruptcy Court stating that they DO NOT report any information to consumer agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies XXXX and LexisNexis because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, LexisNexis is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 

Thank you for your help in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
BELOW IS THE LETTER I MAILED TO SYNCHRONY BANK ON XX/XX/2023 Dear Synchrony Bank Customer Service, I trust this letter reaches you in good health. I am writing to express my deep disappointment and concern regarding the recent closure of my account ( Account Number : [ Your Account Number ] ) due to a single insufficient fund payment. I am particularly troubled by the lack of courtesy in the absence of any prior notification, especially given the significant life event I am currently undergoing - a XXXX. 

I understand and appreciate the importance of financial responsibilities, and I have always strived to meet them. However, I find it distressing that my account was closed without any attempt to communicate the issue with me beforehand. A simple courtesy call would have allowed me to address the matter promptly and avoid the subsequent consequences. 

The impact of this decision goes beyond mere inconvenience. As a woman of XXXX navigating the complexities of a XXXX, the closure of my account without notice raises concerns of discriminatory practices. It is disheartening to think that such actions might disproportionately affect individuals like me who are already facing unique challenges. 

Moreover, the consequences of this account closure extend beyond the immediate inconvenience. The negative impact on my credit score is a matter of great concern, affecting my financial standing and future opportunities. Additionally, the reduction of my XXXX XXXX & XXXX 's account has increased my overall account usage, compounding the financial strain caused by the closure. 

While I acknowledge the terms and conditions that outline your company 's rights in account management, I believe that, in the spirit of fair and ethical business practices, there should be room for discretion and empathy, especially in cases like mine. 

I urgently request a comprehensive review of my account closure, taking into consideration the extenuating circumstances surrounding this isolated incident. I appeal for the reinstatement of my account and request assistance in rectifying the negative impact on my credit score. Moreover, I seek clarity on any steps I can take to resolve this matter promptly. 

I value the relationship I have had with Synchrony Bank, and I sincerely hope that we can find a resolution that addresses my concerns and allows for an equitable outcome. 

Thank you for your immediate attention to this matter. 

Sincerely,

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 do not believe Transunion is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from my 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 non-monetary relief
Consumer complaint received 2021-09-05
Company: CITIBANK, N.A.
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
In 2017 I had a Citibank Prepaid Mastercard with a {$200.00} dollar limit. I was XXXX  and while I was l in XXXX  someone used my credit card without authorization and when I got out I contacted Citibank and told them what happened and they didnt seem to care depite me filing a police report and even providing proof of my XXXX  from my XXXX  XXXX. They eventually charged off the account and have reported it as a " Charge Off '' for years and continue to report it as a charge off. I have tried to dipute the account and I have tried to resolve the issue but they will not speak to me or cooperate with me. They are reporting that the amount due is {$630.00} even though the card was a " Secured '' card with a {$200.00} deposit. 

Account Number : 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 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
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:
I checked my report XXXX noticed some accounts that are not mine I never opened these accoun ts and have asked fo info on how were they opened.

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 2023-02-17
Company: Experian Information Solutions 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 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 XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account 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 explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, 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 2023-12-12
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It should be known that at current time TransUnion is reporting incorrect and or unverifiable information on a account named XXXX XXXX  under account XXXX XXXX. This fictitious or incorrect information is violating the F.C.R.A. and due process of federal law and greatly depreciating my credit score. I previously filed a dispute with TransUnion and it was denied and my information on the account was verified. Hence, this complaint is being proffered and a copy of my XXXX credit 3 bureau report is incorporated herein for review so the errors can be ascertained. The errors are as follows :. 1. It should be known that this account was closed on XXXX as records show. Contrary, TransUnion is reporting that I was late 30 days in XXXX Of XXXX, late 30 days in XXXX Of XXXX, and late 60 days late in XXXX Of XXXXThe two late payments for XXXX.and XXXX of XXXX  are incorrect and wrong. This account was closed in XXXX Of XXXX. Once this account was closed, no further or future payment history can or should be reported. If the account is closed, you can not have any late payments because there is no more payments to be reported. I was never late in XXXX and XXXX Of XXXX  because this account was closed in XXXX.of XXXX. XXXX. Last payment date on TransUnion report says XXXX. Contrary on same report under payment history calendar it shows last payment made was in XXXX Of XXXX. XXXX. Finally, review the herein 3 bureau report and all 3 Credit bureaus are reporting 3 different late payment months for the XXXX late payments. TransUnion reports XXXX, XXXX, and XXXX as late. XXXX reports XXXX, XXXX, and XXXX as late. Then XXXX reports XXXX, XXXX, and XXXX.. Since all XXXX bureaus are reporting 3 different months for these 3 late payments, they all can't be correct and be verified as accurate.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
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 XXXX : XXXX Account XXXX : 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 explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : 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