BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
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 XXXX XX/XX/XXXX XXXX Law office of XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time

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 2023-03-17
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent Accounts appearing on Credit Report. 

XXXX. XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX  {$1000.00} XXXX. XXXX XXXX {$1900.00} XXXX. XXXX XXXX {$16000.00}

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 2023-03-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX XXXX account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit 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 2023-03-17
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent accounts and Inquiries appearing on Credit Report. 


Inquiries 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 2023-03-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
IVE BEEN A VICTIM OF IDENTITY THEFT, I SUBMITTED PROOF FROM ITR

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 2023-03-17
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:
You are reporting a fraudulent account on my credit report. The collection agency XXXX XXXX has dismissed the case and filed a nonsuit without prejudice which I will attach to this complaint. The company does not have a copy of my ssc, or a photo id, meaning that anyone could have opened an account in my name. I will also attach my data breach claim in which I found out that my information was compromised in the 2017 XXXX data breach. If this account is not deleted within 15 days, I will be seeking legal action and compensation up to {$1000.00} per FCRA violation. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have noticed several inaccurate and unfair entries that are harming my credit score. I would appreciate it if you could remove these negative items immediately. 

Firstly, the XXXX XXXX XXXX with the Case Number XXXX and the XXXX XXXX XXXX with the Case Number XXXX are both inaccurately reported on my credit report. I am unsure why you have not removed them when the other bureaus have already done so. 

Secondly, the following inquiries have reached the statute of limitations and should be removed 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 XXXX XXXX XXXX XXXX XXXX 

Thirdly, there are several inquiries on my credit report that were not authorized by me. I suspect that these inquiries might be fraudulent and I would like them removed from my credit report immediately. These unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Lastly, I dispute the following accounts, which have been inaccurately reported as late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, these accounts have never been paid late, and it is ruining my credit. You must update these accounts and delete the inaccurate information immediately. 

I urge you to investigate these matters and take the necessary actions to remove the inaccurate and unfair information from my credit report as soon as possible. I look forward to hearing back from you regarding this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX

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 2023-09-26
Company: DISCOVER BANK
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
This case was closed in XX/XX/2019 and I am still being harassed by 3rd party attorney offices, and XXXX XXXX XXXX. Information was pulled from XXXX XXXX XXXX, public records. 


Discover Bank : DISCOVER BANK VS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Category Civil Case Type CONTRACT/ACCOUNT Case Filed Date XX/XX/2019 Judge XXXX XXXX XXXX XXXX Closed ( Closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: GA
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:
The following agencies was involved XXXX XXXX, XXXX and Experian was disputed on the dates of XX/XX/XXXX XXXX also XXXX XXXX also XXXX XXXX and XXXX XXXX. XXXX XXXX account that was paid off showing derogatory on my credit report causing me harm and violation title 15 us 1692:41 and 15 us 1692 : d also 15 us 1692 : c this is hindering me in moving forward in my personal life all 3 agencies are involved in this fraudulent mistake

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 2023-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX {$540.00} account number XXXX XXXX XXXX XXXX XXXX  {$870.00} account number XXXX XXXX XXXX XXXX XXXX  {$410.00} Account number XXXX XXXX. XXXX XXXXXXXX XXXX XXXX {$430.00} account number XXXX XXXX. XXXX {$660.00} account number XXXX XXXX XXXX XXXX XXXX {$910.00} account number XXXX XXXX XXXX XXXX XXXX  {$990.00} account number XXXX XXXX. XXXX XXXX XXXX {$9300.00} account number XXXX XXXX. XXXX XXXX  {$470.00} account number XXXX XXXX XXXX XXXX XXXX {$240.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1300.00} account number XXXX XXXX Credit usage {$450.00} account number XXXX https : //www.ffiec.gov/exam/InfoBase/documents/02-con-fair_credit_reporting_act-000799.pdf In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.

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.

The accounts list in the above paragraph 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 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 2023-03-17
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 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 2023-03-17
Company: Experian Information Solutions Inc.
State: NC
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 if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX accordance # XXXX, XXXX XXXX/ my place acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, DBA XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX 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 : 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 reports containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 2023-04-09
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from First Progress my oldest credit card of over 11 years. It was dated XX/XX/XXXX but I did not receive it until XX/XX/ requesting " AN ORIGINAL OF A STATEMENT OF THE BANK ACCOUNT USED TO FUND THE SECURITY DEPOSIT OF, AND/OR IN MAKING PAYMENT ON, YOUR FIRST PROGRESS ACCOUNT ''. The problem is that it stated that if the information was not received within 15 days they would close my account. Obviously this time had already passed by the time I received this letter. At this time we had received several feet of snow which might have caused some of the delay but this would not explain receiving the letter being so late.I called First Progress on several different occasions. I explained the situation to the agent and was told they would make a note in my account and not close it. I called a second time asking for a supervisor and was told none were available but would be called back within an hour. That call never came.After several attempts to contact a supervisor I was able to speak to XXXX after receiving a letter that my account was closed. He advised me to fax over the documents I had already placed in the mail since we were getting so much snow and the mail was severely delayed. I have also sent them a letter and a fax which i will include with this report and my account is still closed and I haven't heard a peep from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I received an email from Credit Karma advising me that my savings and checking account has been locked and this may have come from suspicious activity. I tried calling and the customer reps are advising that they have no info for me. No one is responding to my emails or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently received my credit card from navy federal containing a credit limit of XXXX. I went to the atm to pull XXXX dollars in cash and was denied and tried again for XXXX dollars to no avail. I contacted navy federal, and they said everything was good on their end and to go try again at another atm and I did just that. I tried pulling cash again and all requests were denied. I tried to make a purchase and there was a fraud alert that I acknowledged it was me who made the transaction. I called navy federal and was directed to the fraud department and was on hold for over an hour just for them to tell me they will not reactivate my card or authorize my purchase because of the current statuses of my other accounts, an overdraft, too much suspicious activity from my doing and claimed that " I was running up my card ''. I just want to replace my broken refrigerator for my family. my bank account status for navy federal is displaying " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' Due to this status, NFCU understands that my account status is not a factor in using my credit card that NFCU approved. the entire time I was trying to resolve this issue, the customer service reps were very shady and reluctant to give me situational updates, navy federal is depriving me of my consumer rights, and I want a speedy resolution. I will be filing a federal lawsuit against NFCU along with other consumers experiencing the same unfair treatment consisting of constant Securities fraud and numerous consumer rights violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This collection Account has violated my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to opt out of this information being reported to Equifax, XXXX, nor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: CA
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 FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info 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 response to consumer: Closed with explanation