BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX / XXXX XXXX XXXXXXXX FLORIDA XXXX XXXX CitiBank Account Number ending : XXXX Debit Card number : XXXX Citibank XXXX : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : account frozen and false information reported by Citibank on my account. 

On XX/XX/XXXX I signed online in my Citi account and noted my account for travel notice from XX/XX/XXXX to XX/XX/XXXX and received confirmation. On XX/XX/XXXX I made a domestic wire transfer from my Citi Priority account in the amount of {$33000.00} into my Citi Business account. I received 3 different calls from citi fraud department, they verified every detail and told me the restriction was successfully lifted. On XX/XX/XXXX I received an email from citi bank that the wire transfer I made in the amount of {$33000.00} was canceled ( Reference Number XXXX ) The reasons for the cancelation were we are unable to reach out to verify the information you provided ) INCORRECT and false information was reported by Citibank. I verified 3 times over the phone every detail you can possibly verify. From XX/XX/XXXX I was calling Citibank daily sometimes 2 times a day to get this fixed and they were simply refusing to help me with anything, no matter how much I provide verification about myself. Citi bank claimed to protect their customers and they did completely the opposite. 

My account was frozen, my debit card was locked, and my online access was locked too while traveling with my family in XXXX for the XXXX. Citi bank completely shut off access to my only money and cause me huge financial losses and damage. On XX/XX/XXXX I receive a letter that my account will be closed within 60 days. Also, Citibank offered in the email to request my funds to be delivered to me sooner If I choose to, I did and Citibank failed to respond this is the message from the Citibank email we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card I did call and request my money to be mailed to me sooner, and Citi again failed to comply with their policy. I no longer want to be a Citi bank client, and want all my available funds to be mailed to the address on file ASAP. Citibank violate all my rights, reported false information, and keep XXXX my money. Citibank is committing a crime by reporting false information about me, and my account and keeping my money XXXX. 

Again, Im requesting Citibank sent all my available funds to the address on file ASAP before the account gets closed, this option was offered to me by Citibank, in their email. 
Sincerely 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 2022-12-28
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:
Non Compliance with the Law

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 2022-12-28
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: Old information reappears or never goes away

Complaint:
To Whom It May Concern : This account was settled in court with terms attached. That this account once settled should be dismissed and deleted from my credit report. I sent letters to credit bureaus with no correspondence. I need help with this situation. Proof is below with documents and judgements.

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 2022-12-28
Company: EQUIFAX, INC.
State: MI
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/2021 I agreed to rent an apartment that was advertised on XXXX. The cost was a {$1200.00} deposit and {$1500.00} for XXXX rent. I paid the amounts using XXXX to an account under " XXXX ) on XX/XX/XXXX and XXXX respectively. It became clear that this was a fraudulent offering. I called Chase on or around XX/XX/2021 to claw back the funds. They refused to try to stop payment and said I would have to wait for the funds to clear on the other side and try to get my funds back by contacting the other bank. I called the other bank and they refused to do anything. I told the recipient bank they should at least look at the customer and account and freeze it to spare other victims. They responded that their customers ' activities are not my business. I called Chase again one or two more times and they continued to refuse to help. 

I was quite surprised by both banks ' responses - and disappointed in Chase- because I am in banking and this is not our response when a customer immediately calls about fraud that is in process where customer harm can be potentially mitigated. 

Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent several letters to XXXX XXXX, XXXX, XXXX and Transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my 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 2022-12-28
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting the following incorrect addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NY
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:
The following address, names ect must be removed from credit report as the are incorrect. 


DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( correct address is " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( remove the XXXX XXXX ) ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ( correct address is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( Add a XXXX XXXX XXXX' ) ) DELETE : " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( was my XXXXXXXX no longer own, not residence ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( My mother and fathers old house not mine ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ( NEVER LIVED THERE ) DELETE : XX/XX/XXXX ( XXXX ) NOT MY XXXX DELETE : XXXX XXXX XXXX, " XXXX '' IS MY MIDDLE XXXX NOT " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX  XXXX XXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX XXXX because of it. I have not given

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 2022-12-29
Company: EQUIFAX, INC.
State: TN
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX  Case Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Aldridge PIte Haan, LLP
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:
XXXX XXXX XXXX, a debt collection agency employed by XXXX XXXX  reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX county GA where I reside. Altridge Hann the attorney 's office used to file the XXXX sent over a settlement agreement where the full debt would be settled for XXXX payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court XXXX would be withdrawn. Both XXXX XXXX and Altridge Hann have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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 2022-12-29
Company: SLM CORPORATION
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I currently am a co-signer with two loans from Sallie Mae, i do not believe that the interest and fees is calculating correctly considering the fact that these have been paid on time for the last four years with little movement among the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. 
I never went through bankruptcy. Please remove the immediately. 

Bankruptcy XXXX XXXX-dismissed Filed on XXXX XXXX, 2019 Reference number : XXXX, Bankruptcy XXXX XXXX-dismissed Filed on XXXX XXXX, 2019 Reference number : 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 2022-12-29
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate erroneous and Unverified inquiries in my credit report. As of XXXX XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29
Company: BARCLAYS BANK DELAWARE
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:
I have a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to Barclays. Barclays has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for XXXX, XXXX and XXXX still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if Barclays disagrees so that additional willful violations can be avoided.

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 2022-12-29
Company: EQUIFAX, INC.
State: NJ
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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Receivable Management Group, Inc. (GA)
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:
In accordance with the Fair Credit act RECEIVABLE MANAGEMENT GROUP  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-09-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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