BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi mortage.lender I am a XXXX % XXXX veteran. In XXXX we XXXX no property tax. My lender took out of my payment put tax money in escrow every month for a few years. At the end of each year they paid the tax collector. Drawing intrest off the money. I contacted my tax collector they went back a few years and sent a check to Citi mortage for the taxes paid in error. I am in a repayment program with citi mortage during this period. Now citi mortage tells me they are going to hold the check from the tax assessor. Until the last repayment is made. Again collecting intrest. This seems to be creative intrested in there favor at my expense. I 'm not well educated even I see them dipping twice and giving my money a ride at my expense. 
XXXX did something similar to me years ago. I did n't ask for help then and wish I would have. This time I 'm asking for help. I need help please 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 2016-01-15
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife passed away last month, she had a personal credit card and a personal account with Citibank. 

I also have myself another personal account with Citibank, where I receive my salary. On this specific account my wife was a co-signer. 

After she passed away, Citibank is now charging me the bill of her personal credit card. Which I have nothing to do with. 

She had no will or state. I do n't think this is correct Citibank trying to charge me of debits from her personal credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute Experian would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # 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 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a dispute letter to all 3 credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted

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 2015-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian and XXXX REFUSE to remove the credit accounts ( XXXX, XXXX and XXXX ) from the potentially negative/derogatory category 5+ years after bankruptcy discharge. 
This is in direct violation of the relief guaranteed under the Bankruptcy Law. All negative and derogatory credit files shall not be reported as NEGATIVE. They may remain on the file for " UP TO '' 7 years from delinquency, but may not be reported as NEGATIVE. 
Experian and XXXX. 
Both Agencies are Fraudulently reporting Negative Credit activity POST-BANKRUPTCY, making creditors " think '' I have bad credit AFTER THE BK. I have perfect credit Post-BK and I want these accounts removed from the derogatory reporting category. 
I also want them removed from both my credit reports NOW as compensation for the false negative reporting. 
Neither Agency will comply with the LAW and are hiding behind the FCRA 7 year rule. This rule does NOT allow the Negative reporting Post BK discharge and Neither does Federal Bankruptcy Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2022-04-19
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, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has not satisfied debt. XXXX -XXXX XXXX XXXX XXXX has not satisfied debt. XXXX -Untitled XXXX XXXX XXXX has not satisfied debt. XXXX XXXX XXXX XXXX XXXXt has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I am writing to complain about the interest rate on my Chase XXXX card. It is currently at 28.24 %. This is high for a person who is a long term customer, pays regularly and has good credit. I am asking that you lower the rate. 
I contacted your customer service group and spoke with XXXX on XXXX. They could not help me. As a matter of fact all of the customer service people seemed amused by my request. 
This is a usurious interest rate. It is unacceptable that the rate is so high with the prime rate being at historic lows. I understand that you need to cover your costs and make a profit. But this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account # 1234, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
YET AGAIN EXPERIAN HAVE FAIL TO PROVIDE ME WITH A COPY OF ANY EVIDENCE SUBMITTED BY XXXX.BE ADVISE THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION WAS HEREBY REQUESTED, TO BE PROVIDED.AN EMPLOYEE LOOKING AT THEIR COMPUTER SCREEN, SEEING MY NAME LISTED IN THEIR DATABASE IS NOT VERIFICATION OR VALIDATION OF ANY ALLEGED ACCOUNT. THE SAME ACCOUNT IS ON MY REPORT XXXX TIMES. ENCLOSE IS PROOF OF IT SAME ACCOUNT NUMBERS AND EVER THING HOW CAN THEY DO THAT AND GET AWAY WITH 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 non-monetary relief
Consumer complaint received 2016-04-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX credit inquiries from banks that I did not authorize on my credit report. I have tried to dispute these with Experian and they have not removed them. I pay very close attention to credit inquiries and did not authorize these companies. Only the dealer and XXXX XXXX. I have disputed another company in the past with Experian and they refused to remove it at that time as well. It appears Experian does not care if an inquiry is correct or not they leave it on the credit report regardless.

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 2017-04-30
Company: ALLY FINANCIAL 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:
I was in the process of purchasing a car for my daughter & I got pre approved by  XXXX   XXXX  ... I contacted  XXXX  dealerships  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   )  & forwarded my pre approval with   XXXX    XXXX  but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with  XXXX   XXXX  ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only  one  that should appear would be   XXXX   XXXX   XXXX  &  XXXX   (  my credit union ) which I applied with before I got my pre approval with  XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  should have not ran my credit ... I have attached the emails between the two dealerships showing they knew I had a pre-approval through  XXXX   XXXX  ... Please have them delete these HARD inquires of all three credit bureaus ... Greatly appreciate it ... 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 explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SOLUTIONS 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 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 2022-04-19
Company: Credit Karma, LLC
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:
On XX/XX/2022 i contacted Credit Karma customer service via email through the means provided on the platform to close the account that was opened under false pretenses. I have also had some other issues with the service, including a false credit score issue that has wasted my time. The account is still open as of today XX/XX/2022, I called customer service and spoke to " XXXX '' but she could not help. Please help me resolve, and inform would be customers of their products and services of the communication issues as well as incorrect data provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.

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 2015-08-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
not able to get free credit report. after being denied credit. have to send photo copies of identity, and address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX There are no data Furnishers to contact on these matters. Please comply with my request in my original complaint regarding inaccurate reporting of personal information on my Credit Report with your company. this per my request. This is my second request for you to correct the information on my Credit Report. I do n't know why I must spend so many countless hours on this. It is causing me a lot of stress. 

You should only be reporting personal information contained in this complaint and the attachment, any other names or social security numbers, or addresses are completely inaccurate and do not belong to me under penalty of perjury. Please remove this information right away and only report the information that is contained in this complaint and it 's attachments. I have included all necessary information so that you know that it is really me writing this.

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 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, a credit inquiry was made to Bank of America for an XXXX  XXXX XXXX XXXX credit card. I did not apply for the card. Whoever did apply had my personal information, including correct Social Security Number, addresses, birthdate, etc. Bank of America did not approve the application, flagged it as suspicious, and sent me a letter notifying me. I called them to confirm it was fraudulent. They suggested I also call XXXX and XXXX. The inquiry did not show up with XXXX but did with XXXX. XXXX will remove the inquiry and told me to report the application to the police or FTC. 

I am of course concerned for my credit but much more concerned about this sensitive data being " out there '' and I will pursue actions to prevent it from being used, including placing fraud alerts with my banks and credit bureaus and am considering placing credit freezes. This is very annoying, and I hope FTC can help prevent further issues. 

Thank you for your time and efforts.

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 2016-12-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. EXPERIAN are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? EXPERIAN have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX XXXX ( XXXX XXXX A XXXX & XXXX XXXX XXXX XXXX XXXX Furthermore Experian have failed to provide the method of verification as required under XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that under Section XXXX XXXX of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Also there is a account that was removed but put back on my credit report under a different account number i also want it removed again for good this time. Enclose are proof of the violation.

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