BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got divorced in XXXX. Trying to get my name off of my second mortgage without forcing the ex husband to refinance because it would make it to where he could n't afford the house. I have been requesting a release of liability from CitiMortgage since XXXX XXXX, XXXX. I have spent over 20 hours on hold. Been transferred from XXXX department to another and been told conflicting information concerning the release and an assumption. According the federal XXXX XXXX XXXX XXXX XXXX of XXXX a refinance ca n't be forced on XXXX spouse due to a divorce. I believe CitiMortgage should let him assume full responsibility for the mortgage and provide a release of liability to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number Equifax : ******** XXXX : ****** XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXX  XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX : ******** XXXX : ****** 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
Consumer complaint received 2015-05-21
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid by XXXX XXXX ( primary ) and XXXX ( XXXX ) when billed. Then payment was retracted because I went on XXXX during this period and advised the doctors office of the change, but they failed to make changes in their records that my primary insurance switched to XXXX and XXXX was XXXX. The doctors office submitted the claims after XXXX year of the dated service and the insurance companies refused payment. This was the doctors office fault, not mine. they sold the account to KLS collection agency. 
When I informed Kross, Liebrman and Stone that I refuse to pay a debt that was over three years old according to NC general statute about debts not collectable they viciously set out to ruin my credit and cause me great financial greef because they new I was right and this was there way getting even with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Reason for Contact : We used the CareCredit card to pay for a dentist appointment. We were told that we had to pay a monthly fee until we pay off the whole account. We did n't have a limit or anything like that. After we paid almost a XXXX dollars from the monthly fees, they charged us with an interest fee with a {$1.00}, XXXX when we were told there was no interest and all we had to do with was pay our monthly fee to pay it off. That 's unfair and an act of theft. I work hard for my money for them and I paid my monthly fees on time for them to try and do that.

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 2022-04-11
Company: Experian Information Solutions 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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 2022-04-11
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
HAVE SEARS/CITI MASTERCARD. JUST SPENT AN HOUR + TRYING TO ACCESS CARD TO MAKE PAYMENT AFTER EMAIL OF AMOUNT DUE. ENTERED AND RE-ENTERED ALL INFO ASKED BUT ACCESS NOT ALLOWED AS ACOUNT NOT RECOGNIZED. THEN BY PHONE PAID ACCOUNT AND WAS ASSISTED IN TRYING TO ACCESS ACCOUNT. SPENT ANOTHER HOUR DOING THAT AND TOLD TO TRY AGAIN IN 2 HOURS OR SO. I LIKE SEARS BUT FIND IMPOSSIBLE TO USE INTERNET TO DO BUSINESS WITH SEARS VIA MC SEARS/CITI CREDIT CARD. AT AGE XXXX, TIME IS MOST PRECIOUS ASSET. THANKS FOR YOUR ASSISTANCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number.

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 2022-04-11
Company: Experian Information Solutions 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 my XXXX attempt to get this matter solved but I guess my request is just being ignored. The current status and the number of late payments in the payment history is incorrect. I never missed a payment. Experian should provide documentation but they failed to neither verify nor update me about these complaints. I believe the bureau is violating Sections 616 & 617 of the FCRA and has abrogated my rights by reporting false information. Please update or remove the late payments from this account for it has affected my well-being. 

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 2021-09-23
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: Account status incorrect

Complaint:
I have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 asked for Transunion to remove an item that I did not authorize from a company called XXXX on XX/XX/2022. They did not do that they sent a letter stalling the process and did not follow up or investigate with company 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 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX Inquiries : XXXX 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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 reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other fee

Complaint:
I paid off my American Express card and was then charged a {$2.00} fee on my {$0.00} balance. It 's listed as a " minimum interest charge ''. I do not remember agreeing to pay this. It makes no sense.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Transunion to have this account validated as I am certain the charge off being reported is erroneous. Transunion keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX using the number provided by Transunion 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Transunion for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle. 

I've uploaded several of the OFFICIAL investigation reports received from Transunion showing the same phone number and address for XXXX that simply loops you back to Transunion.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a capital One secured credit card to help build my credit. I have paid my payments on time and early since. I was informed my account was closed and after talking to five different people at capital one who couldnt tell me why a man got on the phone and told me that is was closed because of a past or present legal action against me. So Ofcourse I panicked thinking I had a legal action against me somewhere and almost had a nervous break down! After calling every court house anywhere I have ever been I find out that I have no past or present legal actions against me! I got the card to build my credit and now will have a bad mark on my credit because they closed my account for no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Have been charged by XXXX for credit card protection without me signing up for the program since I opened my credit account.

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 2022-04-11
Company: J J Marshall & Associates, Inc
State: MI
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 contacted XXXX XXXX XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE MICHIGAN XXXX UNIVERSITY for the amount of {$8300.00} also account thats not mine! XXXX refuse to remove this account from my credit file JJ MARSHALL & ASSOCIATE for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted XXXX TRANSUNION XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE MICHIGAN XXXX UNIVERSITY for the amount of {$8300.00} also account thats not mine! XXXX refuse to remove this account from my credit file XXXX XXXX & XXXX for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to 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 2017-05-24
Company: SYNCHRONY FINANCIAL
State: NY
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 matter is going back about 7 years, i purchase something from  XXXX  and paid with paypal but i never got the merchandise i disputed at that time with no results no i want to take out a mortgage and i see it reporting on my report and they say they sold it to a different company, i requested proof that it was sent to me but they did n't provide me with any proof i need this off my report ASAP i was n't suppose to be on the report in the first place. they are in violation of the federal laws

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