BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I believe that Citibank has violated us our rights and protections under the Servicemembers Civil Relief Act ( SCRA ) by charging exorbitant fees and interest for a disputed charge on his government-backed Citibank credit card while my husband is XXXX overseas. 

In late XX/XX/XXXX ( around XX/XX/XXXX ), my husband was XXXX to XXXX. This XXXX happened very quickly and unexpectedly, and it occurred while my husband was in the middle of a permanent change of station ( PCS ) move. My husband used his government issued Citibank credit card to cover the costs of his PCS move. 

In late XX/XX/XXXX, after I reviewed my husbands statements, I discovered that he was double charged for a move-related expense. A merchant charged us twice for the same bill : first on our debit card and the second charge was to his government-issued Citibank card. I was not sure how to respond since the card was under my husbands name and was the responsibility of/tied to my husbands unit in the XXXX ( his unit is based out of XXXX XXXX XXXX ). At the time, and even as of this writing, my husband and his unit were inaccessible because they were deployed and in special training.

In late XX/XX/XXXX, I made a payment in the amount of {$140.00}, which was the true balance that was outstanding ( i.e. the payment did not include fees ). I thought it would be best to pay the principal amount even though it was in dispute and file a dispute when my husband returns from his XXXX. 

On XX/XX/XXXX, I sent a certified letter to Citibank indicating to them that : 1 ) my husband was XXXX and that under the SCRA they shouldnt be charging fees or interest while hes XXXX ; 2 ) the amount citibank used as a basis for exorbitant fees was being disputed. Unfortunately, Citibank proceeded to garnish my husbands wages. 

My husband has spent hours trying to resolve this matter, however, because he is XXXX, he has limited access to resources who can help. Additionally, this has added unnecessary stress on my husband. We believe that Citibank should not charge any fees or interest while my husband is XXXX, and we believe that Citibank should return all the money theyve garnished from his wages ( about {$700.00} ). Finally, we believe we are entitled to punitive damages.

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 2021-10-19
Company: EQUIFAX, INC.
State: NJ
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 am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT FOR THE MONTH OF XXXX, I HAVE IDENTIFIED INACCURATE ITEMS PLACED ON MY CREDIT FILE. THOSE NEGATIVE ITEMS DOES NOT BELONG TO ME AND IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT SCORE. PLEASE RE-INVESTIGATE THE ACCOUNTS.

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 2022-03-08
Company: Revco Management, LLC
State: MD
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:
1 ) XXXX shows {$1300.00} on my credit report when I never had the service, they don't even provide their service in my area. 
2 ) My phone number and job name was wrong on my credit report, which I feel someone else tried to use my information. 
3 ) I have several Inquiries that are not mines and I did not authorize on my 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 ) I have XXXX accounts from Revco Solutions XXXX XXXX for {$210.00} and the other for {$620.00}, neither one of these accounts are mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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 dateof the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Amsher Collection Services, Inc.
State: FL
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:
AMSHERCOLLECTIONSERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Has falsely claimed that I am in debt with their company and placed this debt on my credit report. At no time have I ever been in direct contact, done any business or sign an agreement with this company stating that I will pay them for services they provided for me. Therefore have no right to claim I am in debt with them. 

XXXX is also at fault for reporting this information on my credit report and claiming that their information was valid after my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Retrieval Masters Creditors Bureau , Inc. continues to send debt collection letters despite repeated letters form me which dispute the debt, request verification of the debt, and ask that the debt collector cease attempting to collect the debt until the debt has been verified. 

The debt is for XXXX, from an entity called " XXXX XXXX '' which seems to have billed us in error. We attempted to resolve the dispute with the original creditor but then began receiving letters from the aforementioned debt collector. 

We have written to the debt collector twice, first on XX/XX/XXXX, and then again on XX/XX/XXXX, stating that we dispute the debt, requesting verification of the debt, and asking that the creditor stop sending collection notices until the debt is verified with proof of an agreement to pay the original creditor, a copy of the account statement issued by the original creditor, a breakdown of the total amount due, and the date of and basis for each charge.

Retrieval Masters Creditors Bureau , Inc. has not responded to our letters, and has continued to send collection letters, the most recent dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called my former apartment complex and was informed that they switched management companies and didnt have anything on file for me. I was advised to call the former management. I called XXXX and was told that they didnt have any information on file either. I moved out of XXXX XXXX apartments on or around XX/XX/2016. I paid the balance owed in full which was {$200.00} and did a full walkthrough with the then XXXX XXXX and was given a clean bill. When speaking with the collection agency, national credit systems, they said the balance is due to unpaid rent and damages, of which there are none. No one is able to provide proof of this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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 2021-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have spoken to five people at their offices who it appears cant handle anything. 

The account that was opened in my name is fraudulent. 

XXXX Received first bill From Citizens One XX/XX/21 - Received notice unable to approve application XX/XX/21 - Received second notice of past due payment XX/XX/21 - Went to Citizen Bank in XXXX NY Spoke to bank employee, she did mention this was the second one she had seen. I showed her all the paperwork I had received for this issue and she immediately called her home office and put me in touch with someone to discuss issue. This person transferred me to their fraud department. Spoke to a person there about what they will do. They wrote up a ticket, XXXX and stated I should contact the three credit bureaus about this issue, which I did. She told me I would be mailed some paperwork to fill out, I have never received it. She then stated I did not have to take any further action. 

Now I am receiving automated late payment calls. Ten calls to date. 

On XX/XX/21 I received another collection message and after being on hold for 30 minutes I called the number that was at the end of the collection message. I have the recordings of everyone I have talked to. I called that number and was on hold for 20 minutes. Someone finally answered and I was asked why I called this number. She looked at the fraudulent account that was set up in my name and did see a note that I had called about it being a fraud. She transferred me to another number, Im assuming it was their fraud department again. This person told me the paperwork was sent a week ago, I stated I have not received it. She then asked me if they could email it to me. I gave them my email address. I asked for the calls to stop and was told these are Auto generated calls, well heres a novel idea, get on your computer and stop it! 

I called again on XXXX and was told they would send me the paperwork via email, again. 

XX/XX/21 Have not received the email or mail for the paperwork they were to send me. 

I do not want this to get to my credit reports. 

I have made contact with XXXX with the account number and asked if they could tell me where the items were sent. They emailed back and said i need to get a police report. Going to work on that. Citizen One could have done the same thing if they contacted XXXX. 

I have also notified the three credit agencies. 

No one has followed through at Citizens One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: OK
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:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-06-06
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have 3 account with XXXX XXXX XXXX that is not being reported to my equifax or XXXX date They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX, XXXX, I received a XXXX notification that an account had been opened at XXXX XXXX XXXX XXXX XXXX BB & T ) XXXX Texas branch using my social security number. Immediately XXXX attempted to contact BB & T, but no calls were returned. A couple of weeks later, another XXXX notification indicated some account activity at that branch. A three-way conference call between myself, XXXX and " XXXX '' from the XXXX XXXX took place and the issue was discussed. XXXX said she was unable to determine or view which documents were used to verify identity and open the account. 
a. I find this response odd as identification should be provided when an account is open, and this information should be accessible by parties in the bank with high-level access. 

During the call, I was assured that XXXX would contact the person who opened the account and that verification would be determined. She was to return my call within two days.
Three days went by and I had not received communication from the XXXX XXXX, so I called them back. 
XXXX told me she was 'meeting the client that night after hours to verify identity '' and that I would be called back the very next day! 
a. I find this statement odd. Since when do bank managers meet clients after hours to verify the identity of a person when it should have been provided when the account was open? 

Now four more business days have transpired and there has been no contact in any form from BB & T. I reached out again today to speak with XXXX and was told she was out of the office until Thursday. 

It is VERY frustrating that an account can be opened using someone else 's SS #, and that the complaint of such activity has to be escalated to this level. My experience with banks and credit unions are that I always have to provide identification, and that information is kept. I see no reason why the XXXX XXXX can not explain how my SS # was used and that proper identification was not gathered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One - 0 % interest credit card. I responded to this offer and have been using the card. I saw an interest charge on my credit card statement and checked the statement asssuming it was an error. In reviewing the statement, there is no place on the current or prior statements that indicates WHEN the promotion ends. Also the online portal does not include this information. 

I 've used other 0 % offers and the company always shows the expiration of the promotional offer on the credit card statement plus they will include a reminder before it expires. That is good business practice. 

I contacted XXXX and was told by XXXX representatives that I should have kept track of the offer. The attitude demonstrated by their customer service rep and manager is  " it 's your fault and it 's your problem ''. Good point when dealing with slimy business partners. Given I had asked for the interest to be credited back to my account and I would pay the card in full, in my opinion they are not terribly bright either. 

So XXXX, what 's NOT in my wallet is your credit card. And what 's not in YOUR wallet any longer is my significant savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX, XXXX, and Equifax are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I would like to inform you that on XXXX XXXX, 2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 46 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. 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. Again I would like you to know that it has been over 46 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. 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 2022-03-08
Company: EQUIFAX, INC.
State: MD
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/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : TBOM/FORTIVA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MD
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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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