BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: CITIBANK, N.A.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at about XXXX I received an email receipt from XXXX notifying me of a purchase on my Citibank credit card XXXX in the amount of XXXX. The purchase was not made by me and my wife was currently at the Dentist when purchases were made. I then logged into my Citibank mobile app to investigate and noticed a second charge for XXXX was also now pending. I immediately locked the card and reported it stolen via the app. I then called Citibank to dispute the charges ( the app makes you think you can dispute it via the app but it then says you need to call them ). 

I was under the impression that the charges would be reversed while the dispute was investigated. Perhaps this was an assumption I made based on my prior excellent experience with fraudulent charges on my Chase credit card. However, on Saturday, XX/XX/XXXX I noticed the charges were still on my statement and no longer pending nor reversed. 

I called again to check on the status of the dispute, but given it was a Saturday the rep told me I would need to contact their security department during the week for an update. I tried to get clarification on the timeline as to when charges would be reversed she believed it would be within 7-10 days was otherwise unhelpful. 

On XX/XX/XXXX, I noticed the charges still have not been reversed. I again called the dispute number listed on the website XXXX and spoke with XXXX ( Employee ID XXXX ) to verify the status and clarify timeline. She said she has submitted this with priority status and should expect to see the credit in 2-3 days. She also offered a XXXX $ account credit for my troubles. 

Today, XX/XX/XXXX the transactions have still not been reversed, nor have I received the XXXX $ credit XXXX offered. 

On a somewhat related side note for other consumers, I signed up for a Citibank checking account due to a XXXX $ promotion if you spend XXXX $ on the debit card and a qualifying bill payment. This credit was never received. I realized this after I started this dispute and called them about it and the rep said it was scheduled to post on XX/XX/XXXX, but it never did. 

It appears Citibank does not honor their verbal commitments and thus I feel it necessary to send a written letter to dispute and required by CFPB

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-01-26
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:
XXXX XXXX parked two accounts on my consumer report without mailing or calling me I gave them my address cause they had the wrong address I never lived at XXXX XXXX XXXX this impacted my insurance my credit card accounts and the refinancing of my house 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. As a consumer I have the right to opt out and Im exercising my right to do so.

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 2023-02-16
Company: Experian Information Solutions 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:
I am the author of this complaint as well as the attachments included in this complaint I checked my credit report and I noticed numerous inaccuracies on my credit report I reached out to the credit reporting agencies notifying them of the issues and to correct the issues but they did not nor did they respond

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 2021-02-06
Company: Trident Asset Management, L.L.C.
State: LA
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've reached out to XXXX XXXX, XXXX and TRIDENT ASSET MANANAGEMENT XXXX XXXX2020 seeking providing details of such adequate services and address this issue yet they still haven't provided such information. I have been involved in a data breach and due to that I have placed a security freeze and also have setup an identity theft alert. I need assistance with this matter because this falsely reporting have impacted me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citicard closed all of 3 of my accounts when only 1 had an overdraft due to a banking issue. This led to me losing rewards.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in XXXX. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I also contacted XXXX  XXXX XXXX and then talked to their staff, and they agreed to remove the accounts from my file. I have already disputed these accounts several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these accounts. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX  XXXX XXXX XXXXXXXX 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 2018-09-15
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I think the mortgage company and the loan officer did some fraud to close the deal. I was told some things that the payment would be lower. And now the mortgage company had did some incorrect things to have some shortage on my accounts. They keep saying docs they didn't receive or the accessory office that they did not contact. Added a shortage to the already to high payment by {$400.00}. I never received the doc from the loan officer or mortgage company. Was never told about the shortage til I heard the automatic caller state the amount. The property was accessed higher than the correct amount, til i contacted the accessories office. That did a investigation and found there too be a issue. There was missing items from the property that i had addressed with the loan officer. Who told me, he didn't want anyone at my file. That he would get the property refi and get the M.I removed to lower the payments. Had me borrow money off my credit cards to pay the other money, since he said conventional was better at the time. And then now after my credit went from XXXX to the garbage. He doesn't answer the phone. And on a recent statement I saw his companies logo on the doc. Like this is way wrong and that, the broker/loan officer and the XXXX XXXXXXXX XXXX. Came up of a single women 's hard earned cerdit with the purchase and refi of the ( 2 ) properties. refi 1 house XX/XX/2017 and purchase of new property XX/XX/2017. The broker XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My credit rating was XXXX in XXXX of last year. I am retired, own my home and car, have no loans, no debt, and no late payments. For security reasons my credit ratings were frozen ( by me ) years ago. Several years ago I opened a blue AMEX XXXX XXXX Card at their offer, used it for a very short time, made sure it was paid off, told AMEX to cancel it, I then cut up the card and threw it away. Unknown to me until sometime after XX/XX/2022 AMEX reported ( to the collection agencies ) that I was delinquent for just over {$30.00} on a charge made with this card in XXXXXXXX XXXX XXXX My credit rating dropped to the low XXXX. I was never informed by AMEX by phone, email, or mail about this issue. I found out in the fall of last year while checking my credit. It took months to get AMEX to admit I did not make that XXXX {$30.00} charge, cancel the card ( again ) and inform the credit agencies that there was no delinquent charge. My credit only returned to XXXX. AMEX and the credit agencies pointed the fingers at each other for the reason. Two days ago I found out AMEX did it again ( for the exact same card ) in XX/XX/2022 and my credit rating dropped to the XXXX. Yesterday I spoke with seven different representatives at AMEX plus a call to XXXX. Every AMEX representative gave me a completely different and contradictory reason and course of action. The issue is sill not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Bankruptcy that is showihng on my credit has violated my consumer rights.

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an 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 2021-02-06
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon learning that this collection account was reported to my credit report, I contacted the collection agency to first validate the debt and second to provide me with my signed HIPPA authorization letter giving them access to my medical information. I provided to the company a copy of my EOB ( Explanation of Benefits ) showing the claim was processed and paid in full. I also reached out to the Medical provider to validate that the account should NOT be in collections. I was told by the company that the EOB is NOT enough validation for them to be satisfied that the debt is not owed. I feel that my consumer rights as well as my Medical Privacy has been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Sunrise Credit Service which i have NO CONTRACT with is Reporting on my credit reports fraudulently. 



* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ),  signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

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 2021-02-07
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was never sent any statement or updates in regard to a debt with the company Carter- Young XXXX XXXX . I was told I would receive a statement with final balance to ensure I was aware to make the last payment owed. Called the company to inquiry and was unable to obtain balance information. After seeing the report of a collection for this company I called to pay the debt and informed the representative I never received a balance before now and asked for them to verify how i was informed prior to the collection. They were unable to provide proof and stated with the balance paid they would remove the collection from my credit report ( XXXX, XXXX  and XXXX ). At this point collection has been paid in full and they have not removed the collection from the 3 credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: MA
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:
1. On XX/XX/XXXX, I mail a letter Notarized & CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX to XXXX include a bill with proof of my new residency requesting XXXX to updated my Personal information on the records, and no one has replied me back that my case has been received or under dispute and again XXXX  stated : We have contacted the company reporting the information you disputed. 

Wish Company XXXX have contacted? I am requesting to remove the old Personal Address and Telephone and variation on my report.

2. On XX/XX/XXXX, again, I sent a second dispute online and received Report Number from XXXX. Less than 7 hours on XX/XX/XXXX, I received an email stating that my dispute was complete and closed. None of my Old Personal information, like Addresses variations, Phone variations, has been deleted. 

XXXX created a trap system almost impossible for customers to dispute wrong information on their files. These multiples addresses appear on my XXXX credit reports is causing my personal documents or information to be sent to your old address listed on the XXXX report. 

It is my right, and I do not want my old address or phone, employer listed on my credit file. I am here requesting XXXX to delete this variation information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME 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 non-monetary relief