BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I have submitted multiple requests ( via certified mail ) for validation of the debt being reported as a derogatory account in my credit file by CITI/CBNA using acct # XXXX ( as shown in my credit file ), in which CITI/CBNA reports in my credit file that I owe {$3300.00}. I have no knowledge of this account and have disputed the validity of the derogatory information being reported to the credit bureaus. I have requested that CITI/CBNA validate the account as being mine, which they have failed to do and have not responded to any of my repeated requests. I have attempted to assist CITI/CBNA with correcting their records to ensure they cease and desist the reporting of erroneous information to the credit bureaus. None of my requests have been answered, and I have not received a single reply from CITI/CBNA regarding this account, but the account shows as verified on my credit report after contacting the credit bureaus about it.

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 2016-04-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
Purchased item on Macy 's CC in XXXX. Upon due date of payment, attempting to pay IN FULL on their website, the site was down. I called to make payment - their processing system was down. The representative documented my case and ASSURED me that I may mail payment but NO late fee or interest would be assessed. Received the next months statement WITH late fee and interest. Called to make complaint, which took hours out of my time to wait to speak with management. Was told over the course of THREE months this was resolved and I would NOT receive another statement. Come XXXX, I received ANOTHER bill for {$4.00}. IN anger and frustration, I wrote a complaint on their customer portal, but PAID the {$4.00} PRIOR to the due date in hopes this would finally be resolved. It is now XXXX and I have continued to receive COUNTLESS calls a day from Macy 's collections and continued to receive bills for {$2.00}, then {$4.00}, then {$6.00}, etc ... ( I am unable to answer my personal phone during any of their attempts to contact me, and it has taken at least an hour out of my day on my attempts to contact them. I can only imagine their efforts will be to submit me to collections over these ERRONEOUS minimal charges. As documented, I had already just gone ahead and paid the {$4.00} in XXXX, though was told REPEATEDLY by management I WOULD NOT receive another statement. I have multiple confirmation numbers if needed and I informed the representative each time I spoke with them in XXXX, XXXX, XXXX, and XXXX to record the conversation.

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 2016-01-13
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
I called Citi to understand how merchant reversals work. I was told once the reversal is credited to my account, I can get a refund check or direct deposit to my bank account. One time when I called to check to see if the reversal happened, it was suggested by a representative to sign up online to see when the reversal hits so I do n't have to keep calling in. This call happened XXXX/XXXX/XXXX. I sign up online, I see the reversal. I immediately call Citi to get my check. I 'm told by XXXX that I ca n't get the full reversal amount only the difference between my balance and the reversal. I ask for a manager because at no time before did any representative say I have to pay my balance before getting my check. Now, my bill is due on XXXX/XXXX/XXXX. I made an online payment on XXXX/XXXX/XXXX so I do not have an outstanding bill. Why does Citi make the decision to pay off my balance when I 'm not in default or behind, late or in collections for over 9 years. I explained to the first representative before I told the merchant to do a reversal that I owe people money and that I needed to know how to get the money off the credit card. Again, not one time did the first or any other representative I spoke with tell me that Citi will take a portion of the reversal. Otherwise, I would have tried to get a check from the merchant. I was misinformed multiple times. I talked to the social media representative and she promised me I would get my whole amount and when the check came it was for {$2000.00}, not {$2300.00}. Upon receiving my short refund check on XXXX/XXXX/XXXX, I called to close my account because Citi has made me go into my account to refund these people. I 'm told I can use my thank you points within 60 days. I go to the website and my account has already been deactivated. I have a screenshot if needed. Citi again misinformed me. As a Citi preferred customer for over 9 years, I should get better service than this. Does mean if my bill was {$5000.00} and I got a the reversal they would have kept all of it even though a current payment has been made? The representatives I spoke with are, XXXX Account manager, XXXX, Social media rep, XXXX, XXXX. I spoke with XXXX, XXXX and XXXX all on XXXX/XXXX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm bothered by the fact that Experian sent me an updated letter stating you had verified this inaccurate repossession account. What happened to the new and relevant information I sent to your company, which proved this account is inaccurate? Did you pass this information on to the furnisher during your investigation? I 'm starting get upset and frustrated at the way your company is handling my complaint. I did what you said but you sent me another letter stating that it was verified. I 'm starting to feel really stressed. 

I really do n't want to file complaints but it seems that I do n't have a choice at this point. 

I believe you use a system called XXXX to handle investigations. Please do not rely on this system because it 's not 100 % accurate. I see that there is a lot of data on the net about this XXXX system. We are real people and not just numbers, ok. I have feelings too, and this affects I ca n't get approved for a home. 

From my research on the FTC web site, you ca n't parrot information from the creditor and collection agencies. You must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please do a new investigation on the following repossession account. 



If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney.

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 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Recently there have been changes to my Transunion Credit Report. I requested XXXX to mail me a new and up to date credit report. Transunion has failed to comply with my request. I am requesting XXXX to send me an up to date and current 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 2016-07-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Citicards account which I closed in XX/XX/XXXX, with a balance of {$10000.00}. Citicards has continued to add as much as $ XXXX monthly interest to this amount so that now the bill is {$19000.00}. I have called them to try to negotiate this amount but I can not get anyone to call me back as they have a dysfunctional customer service dept. They charged this off in XX/XX/XXXX without a contract, or sending statements required by The Truth and Lending Act. There is one month where they charged {$700.00} interest arbitrarily. I have disputed this on my credit reports but they will not remove this item as I believe Citicards is so difficult to work with. My credit card limit ws {$13000.00} so their interest exceeds the credit limit having a further impact financially.

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 2016-06-03
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last XXXX I received a targeted offer from Citibank for a Citigold account which, after completing the spend requirements, was supposed to result in XXXX XXXX miles in that account. I fulfilled the requirements months ago. One citibank rep said I would get the miles in XXXX, then I was told I had n't turned in a tax form, then I turned it in and Citibank said they never received it. Then they admitted they had received it. I escalated my request at the XX/XX/XXXX and was told I would get the miles by XXXX XXXX. Has n't happened. Talked to Citibank last night and was told that Citibank has " approved '' the miles but they have no idea when they will be posted or available to me. Meanwhile I have been paying a monthly fee to maintain the Citigold account. Last night the representative said I would n't have to pay any fees for three months, but I 've already paid several months of fees AND I have no miles yet. I kept my part of the deal ; Citibank has not kept theirs. This is fraud. I want the miles, I want the fees rebated for the months since I met the requirements. I think I also deserve some consideration for the hours I have spent on the phone with them.

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 2021-01-09
Company: EQUIFAX, 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 Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$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 non-monetary relief
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria several times, and was told to expect the XXXX miles to be deposited into my account by the beginning of XXXX XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the beginning of XXXX, Citi has changed their mind. They have suddenly decided I do n't qualify unless I can find a mailer from 5 months ago showing the offer. I think it 's unreasonable for Citi to expect me to keep mail for such a period, especially after confirming my offer eligibility. I believe Citi intentionally misled me in a way that encouraged me to pay monthly fees for as long as possible. I searched the internet for others with similar issues and was not surprised to find that the issue appears to be widespread. I believe the evidence points to numerous instances of intentionally deceptive marketing practices by Citi. I am bringing this issue to your attention because my attempts to discuss the issue with Citi have gone nowhere.

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 2015-06-22
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have been getting automated calls from ( they say ) Citibank for someone who does not and has never lived at this address/phone. After following prompts to indicate that they have reached this number in error the calls just kept up, several every day. They give a phone number to call if the automated system does n't take care of the problem. I called that number ( XXXX XXXX ) on XX/XX/2015, was connected with a pleasant operator who apologized for the problem and was told my number would be removed from the system immediately, this did not happen, the calls not only have kept coming but have increased in frequency and have even started coming in the middle of the night. I have never been a Citibank customer and I do not know anyone with the name of the person they say they are trying to reach. I really would like to see these calls stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-08
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 i receive a call from Navy federal credit union Alerting me I have a fraud alert. One for {$2.00}?? XXXX something dollars and Another one for {$400.00}. The {$2.00}?? Was fix. Now the {$400.00} was a XXXX one they have not fix. They said because I have a XXXX XXXX that was me I have not used my XXXX. I don't know how the person did that. Now they are saying I have to pay {$400.00} to the bank. I do not have. I need XXXX information so I can make them responsible for there actions. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent several letters to Experian disputing erroneous information that I believe is the result of a relative. I asked Experian to provide me with verifiable information per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) including1 ) The name of the creditor ; 2 ) The person 's name that the dispute was verified with ; 3 ) The address ; 4 ) The telephone number ; and5 ) The documentation used to verify the dispute. 
I understand that per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) that Experian must remove the items in dispute if they can not provide me with this information. They did not provide the information above and did not remove the disputed items. In addition, I sent a letter from XXXX XXXX XXXX that states that they are adjusting the reported late payments that were in fact not late. After sending the letter twice, Experian still will not remove the derogatory information. Lastly, they are reporting a collection with a company called XXXX XXXX XXXX. When I personally investigated this, I found that it was reported under a completely different social security number! I explained this to Experian and they still refuse to remove the collection. It appears to me that no real attempt to obtain verifiable information was made by Experian. They simply acknowledged that the derogatory marks are mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted trans world systems XXXX at XXXX. I spoke to a Representative and Supervisor who refused to give information about 2 items on my credit report that I have no knowledge of. They took all normal information to confirm my identity, but when I questioned and refused to give a credit card # for further identity check they hung up the phoNe up. I tried to call back and no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XXXX of 2020 I put two disputes with the three major consumer reporting companies, trans union, XXXX, XXXX, for accounts XXXX XXXX, and XXXX  XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for trans union deleting XXXX XXXX, but the other agencies didnt respond nor did trans union respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXXXXXX XXXX and XXXX XXXX  from Consumer reports, this is my request that the CFPB so action

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 2016-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed multiple disputes regarding information regarding XXXX XXXX XXXX, XXXX XXXX and XXXX and that is reporting on my credit report and Experian has failed to provide any verification that the information was correct, the damaging information remain on my credit report. I have contacted the creditors as well as Experian to correct the information without success. I do not feel that Experian is investigating the disputes. I feel this is unfair treatment and dishonest treatment in regards to customer service

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 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
No person on the phone would help me resolve this issue. I called XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I tried to get my free credit report from Transunion at XXXX.com because I had identity theft. Transunion sent an online message saying I had already received my free credit report, but this is not true the person at the XXXX phone number confirmed this. I had only ordered from XXXX last year. So I was forced to pay {$18.00} for XXXX days on XXXX/XXXX/2015 which should be free for XXXX days. They will not refund that money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm trying to access my free Credit report, but Equifax refuses to give it to me. In some of their questions to verify they ask about accounts I don't have, so either someone is using my credit with Equifax ( due to their breach ) or Equifax has made errors. There is no way to correct them and Equifax provides no contact information whatsoever other than mail a hand-written form to a random PO box .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have submitted documents required of me from Sears Credit card company XXXX times and they continue to asked me for the same identifying documents in order to issue me a replacement card. My wife is XXXX XXXX and we got XXXX. Currently, I own nothing on this card but they owe me over {$200.00} as credit on this account. All I need is a replacement card or what they owe me. Please help me. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation