BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While traveling in XXXX during the world cup, I was a victim of fraud. I have attempted to report in good faith to Citis fraud department that 6 transactions totaling {$8400.00} were not authorized. My claim has been denied without substantial explanation.

During my attempts to work with Citi Banks fraud and credit card security departments, I was not treated fairly.

I have been a Citi customer for almost 15 years and never faced a situation like this one. Citi has been unfair and misleading on handling my case, resulting in the worst customer experience I have ever had. They have not provided any evidence of how those transactions took place and failed to verify with the merchant, and continue a further investigation. Citi Bank has failed to protect me. Their practices are unfair and mediocre.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: LEXISNEXIS
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:
The public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with 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 ( XXXX, and XXXX ), they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: MI
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX XXXX XXXX was notified that my credit card was stolen out of my mailbox and that it was maxed out and it was not my fault so I did a dispute and the dispute showed that my credit card was stolen and maxed out due to fraudulent activity so therefore they even reimbursed me back the money that I paid on the payment because it was not my payment to make and that's why it shows that it wasn't current on XX/XX/XXXX and XX/XX/XXXX because it wasn't my payment to pay and the dispute came back as I was a victim of identity is theft and was not responsible for the payment XXXX indicated on my credit report as not current

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 2023-07-17
Company: EQUIFAX, INC.
State: NC
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, 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 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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
balances still wrong!!!!! Impact to my FICA scores- can not obtain mortgage- late reporting- what a sham these agencies should be shut down if they can not report real time information! Amazingly that is done for negatives FACT! A number of opened disputes they are working on still show incorrect information even though corrections and updates were faxed to them the date of the payments!!!!! In my opinion a negative! Rates and terms usurious. Opinion by experience and fact- A major sham perpetrated upon the American people to keep them indentured. Honor and ethics REALLY and if not is this an example of educated capable people? 
REALLY- how long does one have to wait?????? 
error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to Experian to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. 
HOW about fixing my wife 's file as well that is crewed up because you keep everyone linked that is married. Another favorite of yours!

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 2017-12-15
Company: EQUIFAX, INC.
State: AZ
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 a victim of identity theft. The XXXX XXXX XXXX XXXX XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In response to CFPB complaints XXXX and XXXX. Equifax responded on XXXX, stating it would take 60 days for the debt collector to respond. 

This is not correct. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you within 30 days, and if they fail in that, the disputed item is required to be removed. 

Eqfuifax is in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a payment of {$40.00} on XX/XX/XXXX, then went to pay the card off on the XX/XX/XXXX. The XX/XX/XXXX payment had not posted, so I paid the full amount showing due of {$610.00}. Instead of paying the card off, they are now saying Im delinquent even though Ive paid more than whats due. Plus, Im sure they have reported it to the credit bureaus.

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 2019-12-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2021-07-07
Company: VW Credit
State: AZ
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 have an inquiry on my credit report from VOLKSWAGEN CREDIT. This was not me and I am not currently looking to buy anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. 
GC SERVICES Reported on XX/XX/2018 for the amount of {$280.00} This item disputed by GC Services ( On behalf of XXXX ) is inaccurate and incomplete because GC Services had the wrong contact information in my file. They had the wrong mailing address and the wrong email. Even though they had the right phone number, I never received a phone call from them to make me aware of the outstanding balance. GC Services did not ever communicate with me, not once. I never received a letter or message from them. I learned today about the derogatory remark through my XXXX XXXX account, and immediately called GC Services ( XXXX ) and spoke to their representative XXXX XXXX, who made me aware of the situation and updated my contact information. 
This situation is unfair and it does not follow regulations which state that I should have been informed and given a chance to pay this balance before reporting it as a derogatory remark. 

I don't have a letter or email from GC Services informing me about this amount to upload for your review. I have nothing from them. I was the one who called today, even though they had my phone number on file. 

I am requesting that the item be removed to correct the information since I was never notified about it and made a payment as soon as I knew about it! 
Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi CFPB staff, My student loans are being serviced by EdFinancial. On XX/XX/2023, I received an email from them informing me that on XX/XX/2023, they would begin moving my loan to a new student loan servicing system for the purposes of better serving me, and that two weeks after the transfer begins, I will need to register for a new account online to access my loans. Then, as of XX/XX/2023, they sent an updated email stating that there was a slight change in the original transfer date of XX/XX/2023, and that my loans would be transferred at a later date. On XX/XX/2023, I received an updated email from them stating that effective XX/XX/2023, they would begin moving my loan to a new student loan servicing system to, once again, better serve me, and, once again, that XXXX weeks after the transfer begins, I will need to register for a new account online to access my loans. Finally, on XX/XX/2023, I received an email stating that there has been a slight delay in the original estimated transfer date of my loans to the new servicing system, and that Edfinancial is working to ensure my information is transferred over as quickly as possible. 

It is now XX/XX/2023, over two weeks after EdFinancial 's last correspondence regarding the status of my account, and almost 3 months to the date of their first email. As you know, student loan interest begins accruing again on XX/XX/XXXX, now a week away, and I have not heard any updates from EdFinancial regarding the status of my account. When I access my old account on EdFinancial, the records are not accurate as it shows I have no loan balance and does not include any history of my prior payments. I have tried calling EdFinancial during working business hours, but am met with long hold times of over XXXX minutes. There are numerous threads on websites such as Reddit.com of other student loan borrowers in the same position due to EdFinancial 's lack of communication and transparency. 

I am writing this complaint because I am worried that, given student loan interest begins accruing in one week, and given EdFinancial 's previous statements that I would need to wait two weeks after the account transfer to make a new account, that when I receive a new account with EdFinancial, I will be unable to access my loan accounts and submit payments to my loans before the interest begins accruing. I am worried that due to EdFinancial 's lack of adequate communication, myself and other student loan borrowers will be adversely affected when the XX/XX/XXXX deadline arrives. It is absolutely unacceptable for a company that holds our student loans to have done this migration to a new system, technical difficulties abound, right before student loan payments were to resume- they've had three years! 

If needed, I am happy to provide copies of all correspondence as well. 

Any help would be greatly appreciated. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my college loan was stolen! Someone got into my banking account by copying my XXXX XXXX and information was stolen from my phone., i.e. he had all my information stored on my phone and ripped my off, bought phones in my account, stole money from my loan and checking account. i was not fully compensated from my bank either.

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 2019-12-21
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. 
They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX  but Transunion and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.

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