BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: CITIBANK, N.A.
State: ME
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:
Citi Bank..I took out a XXXX XXXX..Citi XXXX  Plan XXXX thinking that when they reported my loan to credit reporting agencies that it would raise my credit score..Low and behold they told me afterwards that they do no report loans to credit reporting agencies..My XXXX XXXX was $ XXXX 10.99 % there was also a special purchase which when I called customer service and told them that I was going to pay off the higher interest rate charge, I was told that the balance was $ XXXX.I made a balance transfer to my XXXXXXXX XXXX and Citi Bank received the money on XXXX XXXX.Now their " rules '' are, any payment made with this balance transfer will go to the higher interest charge which is my standard purchase that 0 % ended on XX/XX/XXXX and thats why I did a balace transfer..I see that they want a payment of {$100.00} on XX/XX/XXXX. I called XXXX customer service to say that everything was paid off in charges with the balance transfer and that my XXXX XXXX payment is {$66.00} per month and thats what I'm paying in XXXX ... WRONG!! i have paperwork stating that the higher interest charge gets paid off first ... Well she says, its going to take up to five business days to correct the error and in the meantime that I need to pay the {$100.00}, I said I will not because Citi Bank made the error and all I owe is my XXXX  XXXX ... I cant stand Citi Bank and cant wait to cut up the card..Not reporting my loan to credit agencies and then after several calls to customer service to find out the PAY OFF for standand purchase, was verified at {$270.00} which was confirmed on XX/XX/XXXX ... I have an email from Citi Bank stating that a payment was made to my account on XX/XX/XXXX, they posted it to the wrong account!!! So therfore my XX/XX/XXXX statement is incorrect..Payment in XXXX will be a {$66.00} XXXX XXXX  payment... 
Remaining Balance $ XXXX Monthly Payment {$66.00} Remaining Payments 22 A {$270.00} payment posted to the account on XXXX XXXX XXXX  per Citi Bank email. 
Please let consumers know that they hire people in other countries to answer customer service calls. I called one afternoon and spoke to XXXX, I asked him where are you speaking to me from... He said XXXX and that he had just clocked on to work and it was XXXX in the morning in XXXX XXXX I spoke to XXXX on XX/XX/XXXX at XXXX and he verified the balance transfer, I requested that he send me an email stating that I only owe XXXX XXXX he never followed through like he said he would. I called on XX/XX/XXXX at XXXX EST to XXXX on the phone and on hold for over 25 minutes trying to resolve once again an issue with Citi Bank and their customer service obviously no taking notes as to my numerous call about this balance transfer ... BAD company

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 2023-03-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting everything must be true and 100 % accurate.

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal.

15 U.S.C 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : 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 explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 XXXXXXXX # XXXX section 602 states i have right to privacy 15 USC 1681 Section 602 its also states a consumer report agency can not furnish an account without my written instructions 15 USC 1681C [ a ] Section states no consumer reporting agency may make and consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than XXXX years. 15 USC 1681- [ A ] a person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows of reasonable cause to believe that the information is inaccurata.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, Transunion and XXXX to reinvestigate these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.

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 2023-01-17
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-01-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXXection 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Several letters have been sent to all 3 credit Buearus in reference to these accounts listed XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX. All 4 of these accounts are inaccurately reporting on my credit report. From mix matching account numbers, invalid account numbers, last reported and last activity dates are wrong. I have been sending letters sinceXX/XX/XXXX2022 in reference to verifying these accounts and correcting the eras. Per the FCRA, IF THE ACCOUNTS CANT BE VERIFIED THEY MUST BE REMOVED FROM THE CREDIT REPORT. Reference 15 U.S.C code 1681e- Compliance procedures : ( b ) Accuracy of 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-24
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX 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 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 2022-11-24
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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 belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Yes recently I have done a case with the company cfpb and they have helped. Tremendously. Now there is only one thing either that they didn't do that i that I didnt know because no informtion was given or withheld so I wasn't aware back then. until you're company helped of course and I was able to fund out. Originally this company had closed myaccount becasue of errors of previous disputes by an inappropriate employee .these people are incapable and there errors shouldn't be working anymore. It's unacceptable and they should be fired. I should have sued thm but I need time then I will proceed. But first my disputes were done improperly and the correct ones one of them was for XXXX a insurance company and I disputed one of them but they did it incorrectly by citibank. For XXXX  XXXX  XXXX had a service to repair a phone but they handled the claim to repair incorrectly. The timing of this was around XXXX. Back then. So I called in and requested a refund. This is actually one of several claims that they poorly handled that I had to try and get my deductible refunded to my citibank debit card for. It was handled poorly so i had to resort to citibank disputing it. Then as you know citibank had a rep who handled disputes and filed disputes incrorrectly too. So because of it citibank didn't investigate the rep but the account. Because of citibank and it's inprofficiency and unprofessionalism I don't want to deal with them. So I called the insurance company many times again and this even after for them to refund my amount. So i want citibank to dispute the other XXXX. XXXX and return it to me. There was one XXXX they did but theres a still 2nd one they didn't do.

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 2023-02-08
Company: EQUIFAX, 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:
After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : - XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX -XXXX XXXX Account # : XXXX INQUIRIES : -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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