BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2024-01-30
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened and financed a major transaction with Lowes via Synchrony bank. 
The terms and conditions initially called for 18 months of no interest. 
The bank changed the terms and instead assessed compounded interest charge of over {$500.00} to the account on the XX/XX/2024 statement. 
I am requesting that the company, in good faith, reverse the compounded interest fee. I will in turn then pay off the rest of my balance and proceed to terminate my relatioship with this institution.

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 2023-12-06
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
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 have received a copy of my consumer reports, and I notice Experian, XXXX, XXXX furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumer 's transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumer 's credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report 1. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( ME ) and the Person XXXX XXXX XXXX XXXX  ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts. 

XXXX XXXX XXXX XXXX XXXX My account with XXXX XXXX was never late! This was clearly a billing error. This act is shameful, it has caused severe harm to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX XXXX XXXX XXXX 15 USC 1666b ( 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. 
Delete the following late payments from my consumer reports ; List accounts here with late payments. 

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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Account Balance : {$32000.00}.

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 2023-12-06
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-12-06
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I disputed 3 different hard inquiries with XXXX last month, and XXXX 's solution to the problem was to place a fraud alert on my credit report as oppose to just removing the inquiries. This fraud alert makes it harder for creditors to access my credit report for which has been working against my quest to purchase a home.

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 2023-12-06
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-01-29
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After filing a complaint with the consumer protection division, Citibank has decided to add a disputed hit to my credit profile with their account that is paid off as agreed. I did not dispute this account rather the way my account was closed against the fcra was disputed and has resulted in retaliation by Citibank

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 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, Account # XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description

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 2023-12-06
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, XXXX, XXXX and Experian have violated my rights by reporting these following accounts publicly without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything I dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX, XXXX and Experians illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need Experian, XXXX and XXXX to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.

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 2024-01-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking and saving account in Citi Bank. Citi closed my these two accounts on XX/XX/. But, up to now, I have not received any funds from these two accounts. I called Citi Bank several times where is my funds. But, no any response.

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 2024-01-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm filing suit if this isn't expunged in 20 days.

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 2024-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit of 6 XXXX XXXX money orders to my checking account with USAA Federal Savings. Per XXXX XXXX, these funds can be verified electronically as soon as the money order is issued through their system which banks can access any time. USAA instead put a 15 day hold on more than 50 % of my funds. I have banked with USAA for more than 10 years without a single overdraft or problem from me. 

I complained to the customer service and then spoke with a supervisor who both verified the deposits and the hold but said it was done to prevent fraud. However, since the funds can be verified instantly with XXXX XXXX, this is not true and the bank could have easily verified the funds in a reasonable 24-48 hours instead of holding my funds hostage for up to 2 weeks. I want to stress, THESE ARE NOT CHECKS, THEY ARE MONEY ORDERS- I BOUGHT THEM SPECIFICALLY BECAUSE THEY CAN BE VERIFIED WITHOUT THE NORMAL CHECK CLEARING PROCESS. USAA simply wants to use the fraud prevention as an excuse to not make my funds available to me. It my money, not their to sit on and use as they like for weeks on end. 

If they have done this to me, they are no doubt doing the same for thousands of other customers, holding their funds without the customer being able to access for long periods of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2024 XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : Help Requested Checking Account XXXX Dear XXXX XXXX XXXX I have tried to seek help through Truist Customer Service but have not been able to understand the logic behind a ten ( 10 ) day hold on a personal deposit of {$400.00} that I made via the Truist phone application on Friday, XX/XX/2024. 

Background I made a check deposit of {$400.00} from my XXXX XXXX XXXX XXXX ( XXXX ) checking account ( XXXX ). My XXXX checking account is linked with my Truist checking account ( XXXX ) and vice versa. The deposit was made via my Android phone and at the time of the deposit, my Truist checking account was overdrawn in the amount of negative forty-one dollars and twenty-eight cents ( - {$41.00} ). My deposit when fully cleared would have left a balance in my Truist checking account of {$360.00}. 

When I made the deposit on Friday, XX/XX/XXXX, it was posted with {$220.00} immediately available. 

However, on Saturday morning, XX/XX/2024, I received a text message indicating that a XXXX Administrative hold had been placed on the full deposit amount. I called my local Truist branch and was told I need to call back on Monday to speak with the back office. I also called on Monday, XX/XX/2024, and after being on hold for about XXXX minutes waiting to speak with a manager or supervisor, I was still unable to get a reasonable explanation from the Customer Service Representative who placed me on hold. 

Follow-up Request Sir, is there anything that you can do to help me? Why is there a 10-day hold on a check from an account that is linked to my Truist checking account? 

I would appreciate hearing from you. Thank you! 



Sincerely, XXXX XXXX XXXX ( work ) XXXX ( cell, no cell access at work ) XXXX ( home ) XXXX ( email )

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 2024-01-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
An account was opened on XX/XX/ for a student loan that I had no knowledge of, I never agreed to a loan in my name and was not given any paperwork to show proof of ownership of this account! I would like accurate proof to verify that I consented to having a student loan opened in my name '

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 2024-01-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive had several transactions disputes due to another company ( XXXX ) debiting my account after I revoked authorization. USAA dispute department walked me through steps via phone and I requested stop payment on future transactions- it didnt work. 

Then Im notified dispute credits will be reversed. I make XXXX each week and the reversal amount to XXXX this week. I have tried multiple time to discuss with USAA live representative and I was told yesterday that request to pause or move date of reversal was submitted ; I woke up to discover the reversal occurred and my account is over drawn. I have no gas, no food, and will be stuck in XXXX Tx.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to address a concerning matter involving Charter Communications ( XXXX ) that has resulted in my unjust placement into collections for an alleged amount of {$340.00}. I am providing you with a detailed account of the situation, including relevant dates, amounts, and actions taken : Date of Equipment Return : XX/XX/2022 Description of Incident : On the specified date, I returned the equipment to Charter Communications, as evidenced by the attached receipt. Despite this, I have been erroneously charged {$340.00}, with the claim that the equipment was not returned. 

Action Taken by Charter Communications : Despite providing evidence of the equipment return, Charter Communications has still placed me into collections for the alleged amount. This has adversely impacted my credit report.

Resolution Requested : I request that the collections account related to this incident be promptly removed from all credit bureaus. The attached receipt serves as irrefutable evidence of the timely return of the equipment. I believe it is imperative to rectify this situation promptly to restore the integrity of my credit report.

I appreciate your immediate attention to this matter and trust that it can be resolved promptly.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation