BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: CITIBANK, N.A.
State: OH
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 have had issues with Citi Bank credit card 3 times since XXXX of this year. 

1. XX/XX/2019 -- my card was used for a lease in PA to obtain an apartment. One, I don't live in PA. Second, person that used it is not my name and do not know how they obtained my card which Citi cancelled and issues me another card 2. XX/XX/2019 -- there where three payments made that is did not make of XXXX, XXXX and? Which they closed it. I tried to explain to them and inform them I did not make those payments and had to send everything to XXXX  which had to correct it which then Citi overturned and reinstated since they realize I did not make the payment not could tell me whom made the payments as well as I did not authorize the payment. 

3. XXXX XX/XX/2019 -- same issue as XX/XX/2019 someone made a payment of XXXX which I did not make not could Citi tell me whom made it and closed account as well as I did not authorize payment of XXXX. 

I tied to inform them of this and XXXX from there higher up department made numberous counterdictions in her statement on the phone as well as their letters. I did mail a copy to your company along with a couple other issues for XXXX  breach which need addressed as well. She first told me that is was closed cause that their were too many new accounts open in my name that I did not open and or authorize. Then her second conversation she states it was closed because of the payments. Third conversation she goes back and forth between the first two stories of too many accounts open which is false and payments made which I did not authorize. I did mail you a copy of the letters and everything from XXXX til now from them that are counterdict each other and they can't answer questions.

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 2021-07-25
Company: CITIBANK, N.A.
State: WA
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:
Citi closed my credit card after a review of my credit report without due cause or notification to me. On or about XX/XX/2021 Citi reviewed my credit and saw that my ex husbands bad debt was reported on my account. Due to that debt they canceled my card without any notice to me. When I contacted them on the telephone they refused to tell me why they canceled my card. It is my understanding that they can not cancel my card for a bad report on my credit without notifying me. I am disputing the bad credit report that resulted from my ex husband and it will be removed as it was not my debt. I was not even an owner of my ex husbands account but only a signer without any authority or ability to removed my name from the account. The divorce judgment shows my ex was the owner of those accounts. 
Regardless of my ex husbands bad credit, I had the Citi card for over 8 years without one late payment or problem. It is wrong for them to cancel my card without any notification to me or ability for me to object to the reason why it was closed. This will show badly on my credit report once they get around to reporting it. What a terrible company to do that to a good customer who had perfect payment and credit history.

See page 14, item 23.1 of attached judgment which shows that the bad debt reported on my credit was my ex-husbands - Citi closed my credit card immediately after this debt was reported. Had I known I could have fixed this months ago.

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 2017-09-11
Company: Reverse Mortgage Solutions, Inc.
State: RI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
We received a conditional approval to close on a short sale and have been trying to get the okay to close for 3 weeks. The bank is not accepting documents they  requested, as Title Commitment, Municipal Lien Certificate, and final water bill as proof of what is outstanding on the property at the time of closing. I had to put notes all over the title commitment to show that everything they required is in this document. I have a months worth of emails to prove they are deliberately stalling this short sale closing, so they can foreclosure on the property and not pay out on the file they conditionally approved. We have provided everything required and requested by law and by the bank and they do not want to accept or honor the laws of the state of RI that this property is located in. It was apparent that these documents were not even reviewed. I had to go around the short sale department to the Tax Department because they said the MLC was n't sufficient in showing that 2017 taxes have n't been paid. they did this for weeks until i contacted the tax department and they sent the short sale department the same MLC that i submitted 3 weeks prior and confirmed that 2017 taxes have not been paid. this should have cleared things up for closing but the short sale department is still saying they need an invoice which was provided by our office and by their own tax department.I have the email chains as well, proving my complaint is substantial and these private lenders and private investors need to have guidelines on them so they ca n't do what ever they want to our clients and to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Starting XXXX XXXX, XXXX, the three major credit reporting companies - XXXX, Experian and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my Experian 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 2019-11-25
Company: AES/PHEAA
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:
On XX/XX/2018, my IDR was approved for $ XXXX  monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to fedloan servicing, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX,XXXX,XXXX,XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if Fedloan had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that Fedloan has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: VA
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:
My personal information ( potentially any of all of the following : social security number, date of birth, address, phone number, and driver 's license number ) were breached from the Equifax credit bureau 's databases and were divulged to unknown parties without my consent. Checking the potential impact on my personal information through Equifax 's online website yields a generic message that is not very descriptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contact my Doctor office to see did I have an outstanding balance, and they said know. 
The law is clear, they suppose too contact me first. And they did n't do that! .Since they violate the law, they should remove the negative information.

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 2017-09-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Webster bank debt collector harrassment Its not only hurting your credit, in about 2 weeks the loan is being forwarded to an outside attorney for further collection. 
That means they could sue you on the note, garnish any job wages, put a lien on property etc. 
I just wanted you to know what was going on with it. 
In order to stop this, one payment, the XXXX/XXXX/XXXX payment would need to be made by end of business of XXXX/XXXX/XXXX. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage loan with PHH mortgage company they approved for {$690000.00} loan. and after I singed a contract with a seller, pay an inspection fee for {$820.00}, deposited XXXX and after they locked me for 5.125 % interest rate for 30 years, they denied me a loan. I strongly believed the only reason they didn't want to give me the loan is, just they are discriminating me against, my XXXX  XXXX, my ethnicity. for this reason, I lost the house I was in the process to buy. 

and i have an email responding with the company 's employer who was assigned to my application processing and also, i have a voice message which it was a congratulation we are going forward to give you a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged fees and interest after I closed my credit card account with Synchrony Bank. I had a XXXX XXXX. After not receiving statements XXXX XXXX, I requested a closure of my account in XXXX XXXX.I paid a balance that I didn't even owe of fees and interest in XX/XX/2020 of about $ XXXXand told a representative that I wanted my account closed. I have received bills since that closure. I do not even use the card.

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 2022-06-17
Company: VYSTAR CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
We bank with VyStar Credit Union and someone has hacked into my account over 30 times since their move to new platform, moved money within accounts in amounts of {$1000.00} or more including a business account and set up payments through their new billpay to have money routed elsewhere. Identity theft and fraudulent payments. I've spent the last 10 days at the bank every day having these issues shut down because their fraud department was not catching. Additionally, my identity was stolen and fraudulent credit cards were in the process of being opened by fraud in my name we had to shut down ( luckily caught before they were issued ). We had to have all access to our accounts cut off from any electronic access whatsoever to end this. After 32 years of banking with VyStar, they have allowed my information to be compromised and I've had to freeze my credit, and remove my money and go to another institution in addition to doing everything to stop any fraud and fradulent accounts from being opened across the country. Their unproven new banking platform is an absolute nightmare and they can not protect your money, your accounts can easily be reset by anyone if they managed to get in and steal your social. Beware if you are banking with VyStar.

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 2022-01-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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:
On XX/XX/2020, ACCOUNT RESOLUTION XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, ACCOUNT RESOLUTION XXXXI has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Tried disputing with credit bureaus and contacting the companies for more information into the inquiries. Here were unauthorized inquiries on the following dates XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/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 2018-11-14
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2018-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate and unverified late payments listed by XXXX XXXX XXXX. 
I challenge the accuracy, compliance and reportability of this listing because during the time the company was reporting these late payments I was never notified of the late payments being reported. I never even received statements. 
1. 120 DAY LATE PAYMENT IN XX/XX/XXXX 2. 120 DAY LATE PAYMENT IN XX/XX/XXXX 3. 120 DAY LATE PAYMENT IN XX/XX/XXXX 4. 120 DAY LATE PAYMENT IN XX/XX/XXXX 5. 120 DAY LATE PAYMENT IN XX/XX/XXXX Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

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 2022-06-17
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX the cadylic converter was stolen out of my XXXX  XXXX XXXX XXXX while it parked in the lot of my apartment. I waited patiently for the parts to come in while paying for a rental car out of my own pocket, I had no choice. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX my job requires a vehicle XXXX XXXX XXXX I have long ran out of patience, but now I no longer have any money to continue to pay for a rental to tide me over until my car is ready. Here is what I'm asking of you : Financial support with my XXXX XXXX XXXX. I'm desperately appealing to you to help find a solution so I can keep a roof over my head.

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 2022-06-17
Company: LEXISNEXIS
State: DC
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:
On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A states : I have the right to privacy.

According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681s-2 ( A ) ( 1 ) states : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Westlake Services, LLC
State: LA
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:
This account was paid off on XX/XX/XXXX. West lake financial is reporting late payments XX/XX/XXXX and also XXXX and XX/XX/XXXX. Thats incorrect information being reported it was paid off on XX/XX/XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 XXXX  breach, DoD Email Breach, XXXX XXXX hotels breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation