BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I transferred {$5500.00} from my Citi Bank checking Acct. to my XXXX XXXX checking Acct. Citi Bank has provided me with a letter ( see attached ) with all the information in regard the funds were transferred successfully ( tracking and reference # s ). Which I provided the letter to XXXX XXXX branch manager and CEO. XXXX XXXX respond was that the funds were never reached them. In the Citi Bank payee details, it shows that the funds were transferred to : XXXX XXXX XXXX, GA XXXX I have visited XXXX XXXX branch several times talking to various staff including the manager, service manager and assistance manager, all them their answers were the funds never reached XXXX XXXX. 
I have spoken with the following staff at Citi Bank : XXXX XXXX Citigold Relationship Manager ( XXXX ) XXXX XXXX XXXX Branch Manager ( XXXX ) XXXX Citi Bank 's respond was that they transferred the funds successfully, is no longer their problem. Being a Citi Bank account holder, I believe is the responsibility of Citi Bank to protect the assets of their account holder, deposits, payments, credit cards and transfers. Citi Bank should have contacted XXXX XXXX to search what happen to the funds. 
I have filed a case against XXXX XXXX as well with the office of the comptroller of the currency, that case # is XXXX. 
Many thanks for your help and finding the 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 2023-07-17
Company: Rent Recovery Solutions
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent letter notifications in the mail to each credit bureau telling them the debt they are trying to collect doesn't belong to me. It has been over 30 days and I haven't received any update or respond to my letters. The tracking number for my letters is : XXXX. Physical images of the receipts will also be attached to this complaint. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-11-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There is a charged-off account that is listed on my credit report this account is in error and is showing a balance. XXXX Terms Duration Closed Charge Off Closed Should not be a monthly payment. Please delete the inaccurate account. 
XXXX Account Status : Charged-off and written-off dates are inconsistent errors please delete 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 explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

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 2023-09-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I reported that my card was stolen and that three transactions were made by someone else. The charges were {$630.00}, {$410.00}, and {$61.00} which were done back to back at the same MAcy 's on the same day. The fraud department said they would investigate. I however received a letter with no details on their findings, stating I'm responsible for these charges. I didn't make these charges and am a victim of fraud. In addition, I have been calling this company because they are expecting me to make a minimum payment which is extremely high because of the fraud charges. I am always on hold forever and this issue remains unresolved

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 2020-06-08
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I filed my income taxes for the year 2016 and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names AAFES. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RSH & Associates and XXXX XXXXXXXX will both not stop calling me despite me putting my number on the Do Not Call registry and blocking both of their numbers. XXXX from RSH repeatedly calls me from several numbers despite me telling him to stop, and that I keep blocking his numbers. He acknowledges this and keeps calling me all hours of the day for months on end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 anyone that can rectify this situation, I feel it is necessary to let you know that that the companies identified within this complaint have completely disregarded my requests and failed to respond within the required time frame to my dispute letter from XX/XX/2020. I understand that we have a pandemic and these companies may be backlogged but at this point we are at 123 days since I have reached out to these companies. Upon research I learned that federal law requires companies to respond within thirty ( 30 ) days. I have now been waiting for 123 days for a response and have not received one. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please address these issues with these companies and ensure they delete these items immediately or I will implement litigation due to the stress and hardship these companies have caused me. These companies have tarnished my character and my standing with creditors and I am extremely frustrated at this point. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my 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 2023-07-17
Company: Security Credit Services, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know anything about this debt from security credit service.the location is XXXX XXXX did not receive any money from this company and I did not sign any contract.i want this removed from my credit report.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX, 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

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 2020-06-08
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: Investigation took more than 30 days

Complaint:
I sent a letter addressing the inaccuracies on my report to TransUnion and filed a dispute on XX/XX/2020. It has been over 30 days now and I have no updates or results.

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 2020-06-08
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 status incorrect

Complaint:
XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Experian XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Experian :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Experian : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom it XXXX concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue. 
After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and E-Oscar will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question. 

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Southwest Credit Systems, L.P.
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, If any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice and I never authorized this agency to report on my consumer profile. 

I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
" CREDIT INFO '' INQUIRE INFORMATION DATED XX/XX/2016 DOES NOT BELONG TO ME AT ALL

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 2020-06-08
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: Account status incorrect

Complaint:
XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Equifax :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Equifax : Validate Account XXXX Account Number : Please investigate and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I mailed in dispute on XX/XX/20 to Equifax for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX   has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXX/XXXX XXXX when they sold the account to collection agency XXXX XXXX XXXX? There should not be a balance on a charge off account that was sold to a collection agency.

Company response to consumer: Closed with explanation