BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank claimed that a check, from another bank, ( XXXX XXXX ), that I deposited was fraudulent. It was a distribution from a XXXX account and printed with the deposit details. Citibank is lying and saying they did not cash the check, when I have proof from my 401K company that they verified the check was good and that Citibank cashed it. Citibank closed my accounts and will not return my funds although it's proven that they cashed it I have spent hours over the course of 2 weeks listening to their customer reps fumble through this nightmare, transferring me from rep to rep. The BANK MANAGER from the Citibank branch where I deposited the check joined me on a conference call to try to resolve this and could not do so with their own inept representatives. CITIBANK HAS THE WORST CUSTOMER SERVICE, COULD NOT CARE LESS ABOUT THEIR CUSTOMERS AND TRULY HAS NO IDEA WHAT THEY ARE DOING. Citibank has no right whatsoever to sit on my funds, close my accounts and offer no explanation when I caught them in their lie. Meanwhile I still do not have access to my funds or any indication when I can expect them. I want my funds, plus interest, plus penalties and significant punitive damages as a lesson that they can not do whatever they wish, whenever they want, and have no accountability. I'm sure if I had a couple XXXX in there they would swing a different tune, but everyday hardworking clients do not have a prayer with them and they could not possibly care less.

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 2023-05-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XX/XX/XXXX, XXXXUnauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I spoke with XXXX XXXX a float personal banker as well as XXXX XXXX the county region Manager with regards to the many attempts prior to the use of the balance calculator on the checking account. I also called the service number provided. No one had even heard of the balance calculator which is the " check register '' for online banking. I was told that it was my browser although I used different browsers. I was told that it was not a bank error although the message on the screen was generated by the bank. I was told many times that the situation would be addressed and an urgent request was filed by XXXX XXXX. As of this date, nothing has changed. I rely on the balance calculator to help with paying my bills on time and being able to project future balances. I do not feel that my issue was taken seriously. Many of the people I spoke with at the customer service number had no idea what I was talking about until one actually looked at her own account and saw the problem yet nothing was attempted to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a consumer. There is not a third party representing me. I have explained to Experian that I am not liable to pay this debt from XXXX XXXX XXXX XXXX they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company XXXX XXXX XXXX XXXX has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to Experian as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX XXXX to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! Experian has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. Experian is in violation of several laws. This is a defamation of my character and damage to my financial life. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that Experian immediately and PERMANENTLY delete this information on this debt that I do not owe and discontinue reporting.I do not owe them and they are in several violations of the FDCPA and Experian is in violation of the FCRA. I demand that Experian delete this stated fraudulent debt from my credit profile 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 2023-06-01
Company: LFG Data Services Holdings, LP
State: PR
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:
. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that they immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted the loan servicer Loan Care in XX/XX/2018, to inform them I was recently laid off. Even though I was not and have never been behind with my payments I was referred to loss mitigation. The agent told me I would have to submit a package to loss mitigation. I submitted it and was approved for a 12 month forebearance. I was told my mortgage would be {$390.00} for 12 months then I would be expected to pay the difference in my reduced rate to bring escrow account current which would be about {$12000.00}. They sent me a packet, I read over it and called back to let them know I would not do anything like that because it would put me in a bad situation and cause me to lose my home. They asked me to submit a request to deny forebearance. I faxed over my request on XX/XX/2018 to stop forebearance. My payments were paid in full monthly. Today I went online to pay my mortgage only to find they have set me up on a repayment plan without my authorization. I talked to XXXX and team manager XXXX today and asked them who authorized forebearance? They couldnt tell me. The website stated I owe {$170.00}, but my statement sent via USPS said I owe {$1500.00}. I told XXXX I needed clarification as to who authorized forebearance and what is happening to the monthly payment we are sending? He couldnt explain. I further explained to him I wanted answers quickly. Because they have sent me letters alluding to foreclosure even though we have never been late. Please assist.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please promptly remove the phone number XXXX as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be 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 non-monetary relief
Consumer complaint received 2021-12-26
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed this card in XX/XX/2021 because the fees were too high. Due to XXXX I lost 75 % of my income and this company didn't want to adjust the annual fee so I closed the card. When I closed the card my balance was around {$220.00} which I have paid about {$170.00}. I am a veteran who is on unemployment so I haven't had the income to pay off the {$50.00} remaining balance. I received a bill showing over {$500.00}. How can they charge me fees on a closed account? These fees need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
My loan modification is affecting my scores. The loan has been charged off and is closed. Please remove this from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a recent college graduate. Upon checking my credit report, I found several inquiries, wrong address and a collection account that does NOT belong to me. I am trying to seek employment but these erroneous items are preventing me from employment. 

FOR THE RECORD : This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Fed Credit Union ( twice ), XXXX Card, XXXX, XXXX XXXX XXXX and XXXX XXXX NA. I also have a collection account with no name but an account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 


This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX  and XXXX  continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. I am expecting you to follow the laws and have this information blocked from my 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 2023-06-06
Company: EQUIFAX, INC.
State: CT
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 having a problem with a credit Karma concerning my credit report .there is a car loan on my report from XXXX XXXX XXXX The account is closed but there still reporting, reports on my credit report..Like on XXXX XXXXmy balance increased but my score still went up XXXX points with this XXXX XXXX XXXX and thats just one thing.and ever time i contact credit karma the phone hangs up .Now on my report it says o accounts needs my attention .but im getting emails from credit karma saying my credit acceptance account needs some attention..and thats just to start.who ever is sending it are not the original loan houlders..please help XXXX XXXX XXXX... ..Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-06-08
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called XXXX and they said they have not authorized Equifax or anyone to call and ask for personal information or offer services on their behalf. I believe this to be a scam. The phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-06
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: Was not notified of investigation status or results

Complaint:
I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.

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 2023-10-10
Company: Atlanticus Services Corporation
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a statement to prove the following information and I would like the opportunity to send this proof to you. This company fortiva retail credit is a company. I have a credit limit of {$3000.00} for some furniture I purchased for my daughter. I paid this credit card off completely with a XXXX balance plus an additional {$100.00} overage. Fortuna then sent a interest charge fee of {$49.00} to my credit card statement stating they have returned my XXXX and please pay this {$49.00} plus and additional fee for a late payment on the XXXX. I contacted fortiva and explained to them that I have not received XXXX check, they still had that money and if there was an annual fee that they suddenly decided to have which I was never given Any knowledge of they could take it out of that XXXX and XXXX well they never did and they have continued to charge me. bill is now {$120.00}. and they've never sent me back my original XXXX. I have a bill statement in front of me that shows what I'm saying and I would love to know how they can charge me a late fee on money they owe me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation