BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have already filed a complaint, but it was incorrectly closed. Claim # XXXX I have attached a copy of the response letter from Citibank of XX/XX/XXXX XXXX which claims that they have received no response back from the bank of deposit , XXXX XXXX XXXXXXXX XXXX 

But in fact Citibank was mistaken. They had indeed received a response back from XXXX XXXX  XXXX on XX/XX/XXXX. That letter was forwarded to me by Citibank on XX/XX/XXXX. See attached. 

In XXXX XXXX XXXX 's letter to Citibank, they claim that the funds that Citibank had debited from my account had not in fact ended up in the account at XXXX XXXX XXXXXXXX as of XX/XX/XXXX. 

I had alerted Citibank of the fraud on XX/XX/XXXX ( as confirmed in the attached letter from Citibank ) so it appears that the funds transfer was successfully stopped? 

BUT, nine months later and after innumerable telephone calls and letters, Citibank has not credited me for the {$5600.00} that they removed from my account. 

Where are those funds?

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 2022-03-21
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: Account information incorrect

Complaint:
I called XXXX, XXXX and Experian to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my XXXX credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my XXXX credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my XXXX credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my XXXX and experian credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed

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 2021-09-04
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I took out a dispute in the month of XX/XX/2021 XXXX Do to my card being lost i called and canceled my card and reported it stolen. & about 2 weeks later i recieved a letter in the mail to fill out for the transactions i disputed and was given a provisional credit for the amount of {$580.00}. On XX/XX/2021 i called my debit card to check my balance. just to find out that the {$580.00} that was credited to me was reversed without any notice. Nor did i get anything in the mail and when i question the customer service rep .. i was told that the payment was due to reverse on XX/XX/2021 and the letter of this transaction was sent on the same day.. & i still have not gotten this letter i asked to work out a payment plan and i was told that the DIRECT EXPRESS COMERICA BANK XXXX doesnt do payment plans and that it was nothing more to be done .. ive been calling my bank sine XX/XX/2021 and all ive gotten was throw from one department to another as well as being on hold for over # plus hours ( i also have a screenshot of this ) >> My rent is now past to because it due on the 3rd of every month & because i never got any help with Direct express after calling for days as well as calling XXXX ( XXXX ) XXXX & almost every worker gave me a very poor attitude as well as mis information I DID NOT APPROVE OF ANY TRANSACTION for {$580.00} to be taken out my account.. Ive been getting SSI for over 10 years and ive never had this issue Also i am really disappointed at how DIRECT EXPRESS treated me with a very nasty and inpatient attitude .. i was hung up on many times and ive been vey respectful and calm with this situation .. I was hoping i could clear things up with my bank because ive been with direct express for bout 5years .. But i didnt get anything but let down and my money taken I WAS TOLD THAT, I got myself into this and i should contact the merchants, SO i also asked what was the final choice on this dispute matter and i was told by costumer service that, My dispute case was closed ( i was never notified of this ) Because they wasnt able to determine if it was fraud or not ... so basically my money was taking because they dont know how to handle my dispute I was treated and talked to very poorly and left confused with no answer to how or why this was handled in this manner .. Nor was anyone of the reps considerate enough to help me in any type of way even after i explained that i have to pay my rent which is $ 550 monthly and my tmobile phone bill is {$100.00} as well as other bills i cant afford this to happen .. i just started collage last week i cant afford to be behind on rent Please may someone contact me ASAP the longer i wait the higher the late fees guys please help me!!! my number is XXXX or XXXX _ - XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-02-12
Company: EQUIFAX, INC.
State: IL
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:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXXXXXX - {$1500.00} XXXX XXXX {$3300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CITIBANK, N.A.
State: TN
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:
ON XX/XX/2022, Sent a letter to XXXX, XXXX, and XXXX informing them the information they are report to my consumer report 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 2021-12-02
Company: CITIBANK, N.A.
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:
Issue : Citi Bank Used a " hard Inquiry that was reported '' to my credit report. 

The phone interest form specified " clicking continue will not impact my credit score '' however it still pulled a hard credit inquiry to define my eligibility for the personal loan promotion. 

Hi, XXXX. Thank you for your interest in a Citi XXXX XXXX. At this time, we're unable to approve your application ( Reference # XXXX ). You'll receive another communication within 10 days with more explanation about the reason ( s ) for our decision. 


XXXX Bank notified me of the hard inquiry used per below credit monitoring alert : New Inquiry CITIBANK, NA An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit.

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 2021-01-25
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020, a transaction was made for {$460.00} from my checking account. The transaction was made through a vendor I have used in the past, XXXX, but was not authorized by me. It was a money transfer to an account that I am unaware of, have no relations to, or ever gave permission. It was a fraudulent charge so I called chime and cancelled my card and requested a new one. I filed a dispute twice and was denied because they claim there was no error. I contacted XXXX XXXX  and they confirmed that my account never made the transaction. This is 100 % a fraudulent charge and I believe if the problem was actually investigated and the account receiving the money was looked into, it would prove that I did not authorize any transaction. I have not even received an explanation as to why I am denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 would like XXXX  and TransUnion to remove the remaining fraudulent accounts from my consumer reports.

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 2017-12-19
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calling repeatedly after I have told them to stop. Sending mail correspondence after telling them to stop. I 'm currently disputing the charges they call about with the company themselves that hired them. This collection is unwarranted.

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 2023-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Customer Service Department Fifth Third Bank [ XXXX XXXX XXXX, XXXX, OH XXXX ] Subject : Request for Assistance with Check Fraud and Reimbursement of {$2500.00} Dear Customer Service Team, I hope this letter finds you well. I am writing to inform you about a concerning situation involving my Fifth Third Bank account. I have recently become a victim of check fraud, and I am seeking your assistance in resolving this issue and requesting reimbursement for the fraudulent transactions. 

On XX/XX/2023 I discovered unauthorized activity on my account involving a fraudulent check that were written in an error of employer and deposited with XXXX XXXX XXXX consent but was no funds in secondary account so XXXX XXXX XXXX accounts at fifth third has a lock and block on card. These transactions also have resulted in a loss of {$2500.00} from my account. I take this matter very seriously and promptly reported the fraudulent activity to the local authorities and obtained an official police report. 

I understand that Fifth Third Bank is committed to safeguarding its customers and providing support in cases of fraudulent activity. I kindly request that you initiate an investigation into the unauthorized transactions on my account and take appropriate measures to secure my account from further breaches. Additionally, I am requesting reimbursement for the full amount of {$2500.00}, which was unlawfully withdrawn from my account due to this fraudulent activity.

Please find attached copies of the relevant documents, including the police report and any other supporting evidence. I am fully cooperating with the authorities and am prepared to provide any additional information required to expedite the investigation.

I trust in Fifth Third Bank 's dedication to maintaining the security of its customers ' accounts and resolving issues promptly. I kindly ask for your assistance and support in this matter. I believe that with your expertise, we can swiftly address this situation and ensure that I am rightfully reimbursed for the unauthorized transactions.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Was not notified of investigation status or results

Complaint:
I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX days and still no response these issues are causing me pain and suffering and humiliation

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 2023-06-16
Company: EQUIFAX, INC.
State: NY
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never received a bill from this Agency. After receiving daily phone calls ( XXXX days a week once in while XXXX a day once in the a.m. and once in the afternoon ) and checking my credit report this Agency showed up in XX/XX/2021 backed dated to XX/XX/2021. I have also submitted in writing to all XXXX Credit Bureaus disputing this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: MS
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2017-05-02
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted Resurgent Capital Services.  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in  BK . I explained by BK was released in  XXXX    XXXX   and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.  XXXX  Called and still no updated per  XXXX .  XXXX   XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a  manager  and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the  manager w as a lunch and sent me to voicemail. I did not get a return call.  XXXX  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since  XXXX  and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager ha s not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  XXXX . I have kids and would like to get my mortgage down. I 've been overpaying for many years.

Company response to consumer: Closed with explanation