BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
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: Public record information inaccurate

Complaint:
Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the Office of Criminal Enforcement for the Executive Office for U.S. Trustees, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an investigator in the Office of Criminal Enforcement, who informs me that the information YOU have verified as accurate was INCORRECT.

Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 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 2023-06-26
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting my complaint to inform you that the XXXX credit bureaus failed to do their obligation to remove such inaccurate items on my credit file. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information. Please simply " Remove '' the items. These fraudulent items are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report that should be delete : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2023-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : 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 2023-06-26
Company: Experian Information Solutions Inc.
State: OH
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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

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 2023-06-26
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:
According to my research about FCRA 605, Experian and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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 2023-06-26
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is throwing out my dispute paperwork, and refusing to remove negative items from my credit report also the company is giving me a hard time with investigating negative items.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the author of this complaint and I checked my credit report this morning and saw some fraudulent, inaccurate and incomplete information on my credit report. I'm asking the credit bureaus to conduct a reasonable investigation and DELETE the following accounts and update late payments to fully paid on time. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : AT T ) Late Payments ; 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 2023-06-26
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:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX 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 2023-06-26
Company: Experian Information Solutions Inc.
State: SC
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:
Experian Credit File has Illegal Credit Information on My Current Credit File XXXX XXXX XXXX XXXX is Now a New Financial Name and Entity XXXX XXXX XXXX XXXX NC The Experian Credit File has Illegal Information on Former XXXX XXXX XXXX XXXX XXXX ( Expunge Fraud Information Immediatley ) Experian Credit File is Required to Terminate Multiple Criminal Visa Accounts Immediatley! 
Double Indemnity by Identity Theft in XXXX XXXX XXXX XXXX  North Carolina Contact Fraud Resolution Specialist Enterprise/ XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX to Require the XXXX XXXX XXXX to Terminate ALL Illegal XXXX Accounts Immediatley XXXX XXXX XXXX XXXX Due Process of Law

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 2023-06-26
Company: Experian Information Solutions Inc.
State: VA
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:
According to 15 USC 1681a2 I did not give any written permissions to have any accounts furnished as a consumer my rights have been violated I am in distress that false information is being reported onto my consumer report.THIS ACCOUNT IS PAST 7 years of age

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 2023-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi My name is XXXX XXXX XXXX, Im. writing complaint after I have call American Eagles credit card by synchrony for the last mont I every time I make payment online, It show the name of the XXXX on the screen before it would say before online payment was made. I have call the XXXX XXXX to complaint why Im still receiving emails to my XXXX when change my email to my XXXX.I did this changer After I found numerous fraud transactions on my account. also I made police with XXXX and I did a complaint with F.T.C. I also would like to know why my credit limit was drop down, .I have a similar problem with TJ max reward credit card it also by synchrony bank. 
Just like the TJ Max account, when I change my password, which I do all the time for security reasons. it show the last 4 number of my cell phone now it show my phone number last 4 but also a different phone.

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 2023-06-28
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, I applied to refinance my home through the Navy Federal Credit Union. Despite submitting all necessary forms and documents before my Notice of Incompleteness Date ( NOI ), the loan officer requested a remote work letter from my employer to complete the loan approval process, which I found strange since my income and employment had already been verified. Surprisingly, the loan approval was contingent upon providing this remote work letter. A few days later, I discovered that my account had been removed from their website, prompting me to contact the loan officer, who informed me that she was unavailable, but my loan was in process. Concerned, I contacted customer service and was informed that my application had been declined due to the failure to produce a remote work letter. I applied for a new loan and submitted an appeal to use the previous loan 's interest rate. However, I am still waiting for an official response to my appeal and an explanation for why my initial application was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX without my knowledge or permission made unauthorized purchases on my Amazon Store card using my Amazon Prime Video account. The total sum of the purchases is, {$1000.00}. These purchases were made on XX/XX/2023 & XX/XX/2023. XXXX then sent me a text messages stated he made the purchases, taunting me.

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 2023-06-30
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 I made payments to Sams Club ( Synchrony Bank ) for my credit card. However I started receiving messages about auto paying on the account. I never set up autopay and then received a letter stating that my accountis closing due to failed autopay payments. The website automatically created auto payments when I did not request it causing my account to show that my auto payments failed to an account that was no longer mines. 
I called the bank to request reinstatement of my account. The agent tried and then advised me to write to the general box. I have written to the company and still have not received a response but I still have been making payments to the account. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account.

15 USC 1666B : 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 2023-06-30
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I lost {$1000.00} cash right in front of my eyes on XX/XX/23. It was so bewildering that I'm reaching out here. On XX/XX/23, around XXXX PM, I went to the PNC bank Mt. XXXX XXXX to deposit a total of {$2000.00}, consisting of XXXX {$100.00} bills. 

There was XXXX teller attending to another customer at the counter, so I filled out a deposit ticket. When it was my turn, I handed the cash and the deposit slip to the XXXX teller who was wearing a mask. We engaged in small talk about the mask. I couldn't see what she did with the money afterward because the area visible to me was narrow. 
Then the teller told me that I only gave her {$1000.00}, despite me double-checking that it was {$2000.00}, both before arriving at the bank and after. I explained this fact to her even after we arrived at the bank, but her response was that she only received {$1000.00}. The teller started counting the money and claimed that her balance was correct. I was dumbfounded because I was certain that I had brought XXXX {$100.00} bills with me, and I confirmed it before leaving and after arriving at the bank. 

In the meantime, another customer overheard our conversation and suggested that it would be best to report it to the police. So I immediately reported the incident to the police. Shortly after, an officer arrived, and I explained the situation, but the bank representatives said that all they could do was check the balance after completing their tasks. Later, around XXXXXXXX XXXX, the branch manager arrived at the bank and repeated the same story. So I waited in front of the bank until they finished checking the balance. 
It was past XXXX PM when the bank manager informed me that the extra {$1000.00} was not found after confirming the balance. 
Then, the only thing left for me to do was to contact the police and request XXXX footage review. I left a note requesting the footage review. Now, it seems like this is all I can do, so I'm leaving this message here. Please, help me find the missing {$1000.00} that disappeared right in front of my eyes. I feel incredibly unjust about this. 

I reported the incident to the bank 's customer service call center, but I haven't received any response. The branch manager mentioned that they would conduct an internal investigation, but they said that they wouldn't contact me separately. It's really disappointing that the bank is not taking any action in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-07-14
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account with XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA was opened in my name, using my identity, without my consent. This is a fraudulent account. I had to close my bank account and reopen a new account because the person using my identity had access to my banking information and phone records. My computer data was compromised last year and it is believed that is how whomever opened this account was able to gain access to my personal information. I have placed multiple disputes with all 3 credit bureaus. The account was opened in XX/XX/2022 and the credit line is {$500.00}. The current balance owed is {$900.00}. I have placed multiple calls to Prosper as well only to constantly be told that they can't transfer my call to the fraud department because they are having technically difficulties.

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 2023-07-14
Company: Sezzle Inc.
State: OK
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:
This account has been charged off for tax purposes. It is showing closed but still reporting a past due balance and reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid way over 100 % of this loan. I called to pay off principal before pay dye and they suddenly are adding additional charges. I should be clear of this loan but its predatory and not honest business

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