BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX XXXX I received a letter from the Department of Education saying my wages would be garnished for defaulted student loans that came from XXXX. In the almost 6 years I have been out of school I never received any letter from XXXX or the Department of Education stating I was not paying and my loans were going to collections. I was already paying my monthly fees to XXXX for Student loans along with Student loans to XXXX XXXX, they never made me aware that I had more loans that were n't being paid. Had Navient not been negligent, this would have never happened and my loans would not be currently sitting with a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have loans with Castle Credit and XXXX XXXX XXXX XXXX in XXXX. I tell them I can't pay on time. Collector gets on the phone with me and says I shouldn't have to because both companies have been making loans in states with out beeing licensed to do so so I shouldn't have to pay. 

I said I want to talk to a manager and they put XXXX XXXX on the phone. He talks to me and starts calling me the XXXX word and threatens me saying he's going to have me arrested and put my hole family in jail. 

If they give me loans and have been doing this in states for years per their collector in states where they don't have licenses to do business I was willing to pay but then when he starts calling me the XXXX word and threatening to put me and my family in jail because we're minorities that's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, 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:
Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX XXXX, & XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclays Bank is reporting an erroneous late on my credit file. I have a couple accounts with Barclays and make sure to make all my payments on time. I have perfect credit and have never made a late payment. I called Barclays to make a payment on my accounts as i normally do and went on with life. When i checked my credit later i noticed i had a late remark for the month of XX/XX/21. When i called in to see why or where the late remark came from they advised that i made a payment late. I told them i didnt and to check because i called in to make the payment. When they reviewed they said the representative who helped me applied the payment to the wrong account and refunded the late fee. When i asked about the late reporting on my credit file they said there was nothing they can do. That is the most ridiculous thing i have ever heard of. How can they admit the wrong doing and missed applied payment but not remove it from my credit file? This late remark dropped my credit scores drastically. I have been denied financing due to Barclays mistake and it very frustrating to hear that the bank that ruined you credit can not help fix it. I need this late removed ASAP, it shouldn't be there and it still is and is affecting my financing.

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 2022-04-02
Company: CITIBANK, N.A.
State: OH
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:
XX/XX/XXXX I had two charges show on my Citi Card. One in the amount of XXXX. One for XXXX. The charges were XXXX XXXX charges based out of Texas. I do not live in Texas, I have never been to Texas, I do not know anyone in Texas. I still had possession of the card. I also have two finance charges related to the fraudulent charges, on XX/XX/XXXX, XXXX for XXXX and the second for XXXX. Citi caught additional charges and shut the card off noting fraud on the initial day of the XXXX  transfers. I called and disputed the charges and they sent me a new card. They never contacted me regarding the dispute so I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about the fraudulent charges because they did not issue a conditional credit and the interest charges were running. I received a letter in the mail on XX/XX/XXXX regarding my dispute being closed due to lack of necessary information stating that I did not provide information they needed. Thats patently false and with having called 7 times previously it is absolutely absurd to think I was not available to provide necessary information. Now when I call the call center they basically tell me the dispute is re-opened but there is no record of it on my account, nor can anyone see the re-opened dispute when I call them.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX XXXX Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

XXXX XXXX # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former 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 2022-08-11
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC mortgage with Webster Bank my payments are due on the XXXX of each month. XX/XX/XXXX fell on a Sunday I called XXXX Bank and spoke to a representative she had informed me that because XX/XX/XXXX fell on a Sunday the payment was not actually due until the following business day which would be XX/XX/XXXX and she also informed me that the two day grace period is extended to XX/XX/XXXX, so on XX/XX/XXXX I called and made a payment so that I was not late. I was informed that I was not going to be late. On the following month, XX/XX/XXXX I  called on XX/XX/XXXX again because XX/XX/XXXX was a Sunday non-business day, to make another payment. I informed the representative I would like to make a payment but I will be using a new account number for payment because my old account had been compromised so it has been closed. She said OK she took my new account number and I made a payment so that I am not late. I was informed by the representative again that payment will not be late for XX/XX/XXXX because it is extended till XX/XX/XXXX because XX/XX/XXXX was a non-business day. Well lo and behold I received two late charges for XX/XX/XXXX and XX/XX/XXXX because I was misinformed by the representatives on the phone. I called to question the late charges and was told the information the representative told me was incorrect. I also was told that because of insufficient funds my XX/XX/XXXX payment was not processed. I was told that somewhere in the shuffle of account numbers they used my old account number which had been closed to make the XX/XX/XXXX payment and that they were sorry for that mistake. XX/XX/XXXX payment was made by Webster using my new account number and I was assessed another late fee because of their mistake. So there are a total of three late payments for XX/XX/XXXX and XX/XX/XXXX. I feel as if I was misled and misinformed by Webster Bank, therefore these charges should be reversed because they are not my fault

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02
Company: CITIBANK, N.A.
State: TX
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:
Please see the attached document outlining the errors and lack of investigation on the following disputed charge : Date XX/XX/2020 Amount {$1700.00} XXXX XXXX XXXX XXXX XXXX TX CITI failed to properly investigate this dispute charge as evidenced by the following : 1. ) The documentation provided by the merchant was not only provided to me far past the allowed timeframe to finalize the investigation.

2. ) The documentation provided by the merchant is for a charge months after the disputed charge took place.

3. ) The documentation provided by the merchant is for a completely different amount than the disputed transaction.

4. ) CITI changed the dates of the dispute, as well as the dates of the charge in their correspondence.

5. ) CITI employed deceptive trade practices and subterfuge in an attempt to make me believe my consumer rights did not apply. 
6. ) CITI failed to follow Reg Z and Fair Billing Practices Act, as well as the member agreement and the XXXX dispute resolution guide. 
7. ) The disputed charge was made on a previously reported stolen card, which had been closed. Furthermore, the card was not even present at the time of the transaction.

8. ) CITI failed to properly protect my information by providing the merchant with the new card information, despite knowing the card had been compromised and stolen.

9. ) CITI failed to provide the ledger of charges as promised in their letter.

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 2021-02-16
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Provide me with the full original contract with my wet ink signature & the full purchase agreement & proof that you own this debt or remove this debt account that say I owe you off my XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, XXXX at XXXX am I was contacted by a person saying they were calling from Comenity bank from a blocked number. I believe she said her name was XXXX. I had to ask 3 times what company was calling. She just kept calling me by name. She never verified that I was who she thought I was. She then discussed my personal information about the debt not even bothering to identify me. She also did not disclose that the call was either monitored or recorded if it was. I ended the call. I was called 4+ times that day after I had made contact with her that morning. These people call me sometimes in excess of 16 times a day. I have also received messages that I felt threatened by. Since these people are saying that they are the original creditor is there anything I can do to stop this harrassment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit reporting agencies are not doing thier job as they tout. I have disputed XXXX XXXX XXXX XXXX two XXXX XXXXXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX / XXXX XXXX and XXXX XXXX card due to theft, fraud, forgery, false pretenses and identity theft.. I have sent sheriff 's report, IRS and Transunion Affidavits, incomplete forgered applications that were utilized anyway to access my credit. I have sent much information that reflects the person responsible. The credit reporting agencies state their responsibility ( but are not doing ) " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue '' The credit reporting companies send to these different companies who simply label as duplicate complaints or verify without any investigation and sending me any type og detailed 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 2021-04-13
Company: Experian Information Solutions Inc.
State: NY
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:
To whom It may concern, Under The Fair Credit Reporting Act, Section 609, I asked Experian to check some information concerning some charges off on my credit report. 

I did request that if Experian could not get any answers to my specific questions in the next XXXX  days to remove those negative items from my Experian Credit Report. 

I has been more than XXXX days that Experian received my correspondence. 

Not only Experian has ever answered my letter and the items in question are still on 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 2020-12-22
Company: EQUIFAX, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: LEXISNEXIS
State: OH
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 attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished Lexis Nexis inquires regarding all personal information.

Company response to consumer: Closed with explanation