BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Monthly payment was with drawn from my account by Citi totaling XXXX and they cashed a check of XXXX. Altogether XXXX. And change. XX/XX/XXXX and they have refused make the credit balance available or credit it back to me in a timely fashion. 

Every time I would speak to a supervisor ( XXXX, XXXX and XXXX  ) the hold date would be extended by a day first it was the twelfth then the XXXX now its the XXXX. 
Checks are coming through and they are going to be turned away because the fund are not there. XXXX every check. 

I have talked to my bank, they were more then happy to send an email fax or transmitting of the cleared fund XX/XX/XXXX. Still Citi wanted only verbal verifications Making available all my security questions and answer known, so my bank respectfully refused the third party verify by phone. ( Makes Sense ) for my protection. 

I called the attorney general of RI, they confirmed what has happened to me is not lawful and is unreasonable then gave me direction to contact the Consumer Financial Protect Bureau I called one more time today XX/XX/XXXX to see if it had been credited, that is when I was informed of the XXXX date change.

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 2016-10-27
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of XXXX XXXX XX/XX/2012. I moved into my new home XX/XX/2012 and I was ordered by court to pay backrent at XXXX in the amount of {$1300.00}. ( see attached court document from my credit report ) My debt was sold by XXXX or XXXX XXXX to National Credit Systems ( as it appears on my credit report ) or XXXX XXXX XXXX at a new amount of {$2500.00}. ( see attached document from XXXX XXXX ). I 've contacted National Credit Systems and XXXX XXXX over 20 times trying to get in contact with the original owner of this debt to find out how this debt increased. XXXX and XXXX claimed they could not make contact with their client and I do n't believe they ever did. I asked for the client 's name and address ( as XXXX XXXX no longer owns XXXX ) and after months, XXXX XXXX could not provide this information. The only information XXXX XXXX could provide was the attached documents. I also requested that documentation be sent to me showing how the amount increased from {$1300.00} to {$2500.00} but they could not prove that either. They can not tell me the months being charged or the interest rate. I know that I moved from the property and can provide documentation of the new address and the time that I moved to the new location. These companies have placed an illegal debt amount on my credit creport and need to remove it instantly. Again, XXXX charged me a bogus amount of back rent after I settled with them in court and vacated the property. The " supported '' document provided by XXXX XXXX shows a letter sent to the apartment or some location that I never received since I had already settled in court and relocated. XXXX XXXX has thretened me with a law suit for this matter and has not offered a settlement amount, nor provided the name of the client that owns this debt. I do not owe this debt amount and none of the parties can prove " how '' I do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX in turn sent this unverified account to a National credit Systems , Inc and which they have not provided me any Contract or Lease to verify that I owe to XXXX credit Bureaus XXXX. There is n't any proof of what there claiming

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: NorthStar Technologies
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I submited a Verification of Debt letter to all parties, XXXX and Equinox ( The Collection Agency ) that I do not owe XXXX or Equinox an alleged debt of {$9300.00} being reported ascac Charge Off Collection of a house that I legally and properly evacuated. In addition, I gave the XXXX XXXX XXXX a XXXX evacuation notice. 
The property management and I had worked out a payment schedule for the last month of rent that I owed, to be paid in {$100.00} installments until the debt was paid off. 
On the second month of me sending my payment, the XXXX returned by payment, unopened and send me strait to collections. 
I still have the original returned envelope and the money order ( See attached ) The Collection agency increased my debt from {$1400.00} to {$9300.00} and refuses to listen to me and take the collection of my credit report. 

Please help me. These companies have ruined my life! 

Thanks, 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 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle.

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 2016-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I began an application for a mortgage with XXXX XXXX Bank. They utilized XXXX XXXX - XXXX OR ( XXXX ) for credit analysis. XXXX sent me their analysis which showed that Experian, on XXXX/XXXX/2015, reported adverse information about my credit, including : Ratio of Balance to limit on Bank Revolving or other Rev Accts too highToo many accounts with balancesToo Many accounts recently openedWhen I attempt to call Experian, or access their identified website, there is absolutely no means to inquire about the info or file a dispute. 
How should I proceed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I work for a XXXX XXXX XXXX, and Sequium Asset Solutions calls the direct line to my office at least 1 time per day, sometimes more. I was on vacation 2 weeks ago, and the caller ID registered at least 7 missed calls.
I have spoken to them on maybe 4 or 5 occasions, and they tell me that they are placing the number to my direct line on their " Do Not Call '' list. I have spoken with customer service representatives, and I have spoken to company supervisors. I last spoke to a " XXXX XXXX '' at about XXXX XXXX today, XXXX XXXX, 2017. 

I told XXXX XXXX that I feel harassed, especially because I have requested that they STOP CALLING my direct line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor there agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.

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 2016-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2012 a charge of {$3600.00} was fraudulently posted to my new XXXX XXXX XXXX credit card # XXXX, by XXXX XXXX, without my agreement. Beginning when I received the statement, I immediately and continually disputed this charge with XXXX XXXX XXXX then with the credit reporting agencies. XXXX asked XXXX for proof that the charge was valid. XXXX provide no proof I had agreed to the charge and refused to reverse the charge. XXXX then refused to reverse the charge because XXXX XXXX refused to reverse the charge and reported it to the credit bureau as a valid charge that they had to write off after I refused to pay it. When I disputed this reporting to XXXX and the Credit bureau, they refused to reverse this negative on my otherwise perfect credit report. This has cause me damaged. 

Attached are documents supporting the above.

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 2016-04-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX or experian has me listed as having stayed at XXXX XXXX in XXXX. I never lived there.

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 2016-04-24
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

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 2017-04-28
Company: EQUIFAX, 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:
the bankruptcy on file has been  discharged  but they wo n't verify it keep telling me they verified through a third party but has no information on status refuses to verifie it through the court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX EXPERIAN KEEPS PLACING A FRAUD ALERT ON MY CREIT REPORT I HAVE ASKE THEM TO REMOVE IT OVER 10 TIMES AND I HAVE BEEN IGNORED AGAIN!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, XXXX, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, XXXX, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
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 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Tranunion re- inserted XXXX previously deleted information and according to law that within 5 days of re-inserting the company must contact me in which no communication was enacted.I will persue further legal actions if not 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 explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Earlier this year I had no inqueries in trainsunion. As of today XXXX/XXXX/16 I have multiple inquiries that are not mine. It appear trainunuon placed old inquiries on me

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 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Transunion remove the Charge Off showing under my name with XXXX and Transunion as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.

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 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Last year while searching for an apartment in XXXX XXXX, it came to my attention that on my credit report TransUnion XXXX XXXX XXXX had XXXX evictions on my report. After contacting Transunion, they told me that I needed to contact XXXX XXXX XXXX XXXX XXXX XXXX. Which I did. After speaking with a gentleman named XXXX, I learned that my name was included in eviction paperwork that was filed, and then was withdrawn. During that time, my mother and her previous landlord settled an issue in civil court. This also showed up on my credit report as an eviction. My attorney told me that the information should not have been on my credit report, nor should it have shown up as XXXX evictions. He also stated that because it was a civil matter, that the credit company should n't have had access to the information. 

I sent the credit bureau several documents which included copies of the release of the case and the withdrawal which included the landlords signature. After submitting my documents and waiting for their response TranUnion, sent me this response : " The eviction filings and judgments information included in the report provided to XXXX XXXX XXXX on XXXX/XXXX/2016 was derived from public records from the Housing Session Court. Based upon our investigation we have confirmed that this information is accurate as a dismissal. " I asked the Transunion to remove the evictions on my report last year in a letter stating that they were not evictions. It is now a year later and I am seeking to rent another apartment in XXXX XXXX and these same evictions are coming up on my record and preventing me from moving forward with my search. 

This morning I called TranUnion and they told me they were indeed dismissals and would open another dispute claim to find out why there not removed last year. My lease is up in less than a month and I need to move. I am seeking your assistance in this matter, because alone I have not been able to get my credit report amended.

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 2016-07-16
Company: ALLY FINANCIAL INC.
State: MS
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I asked for balance of payoff and paid the amount company said I owed. I received a letter confirming payoff but two months later was notified that I still owed a payment. I disputed the amount owed both by phone calls and by registered mail. My only response for two years has been that I owe the " last '' payment. They have now turned me over to collections. 
If I agree to last payment they said I still would owe hundreds of dollars in fees and interest. 
What is my recourse?

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 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX/XXXX/2016 I review my credit and i showed no inquiring on my report with transunion credit reporting agency.

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 2016-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have sent dispute request 3 times to both XXXX XXXX and Transunion and have not received any verification/investigation or any information other than random computer print outs. After 3 requests each and receiving a simple statement of " validated your account '' I still do not have any actual documentation that this account belongs to me. Both Transunion and XXXX need to delete the account listed on my credit report XXXX. They have both had more than 90 days to get me information. I am attaching a copy of the 3rd request I sent to both Transunion & 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