BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-31
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a new Citibank XXXX XXXX and Checking Accounts back on XX/XX/2023, and successfully deposited {$5000.00} on XX/XX/2023, from my local XXXX XXXX XXXX XXXX Account. Then additional deposits with a total Accelerate Savings balance of {$15000.00}, by the end of XX/XX/2023. On XX/XX/2023, I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I have contacted Citibank multiple times this week since receiving this email, and Citi Representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the remaining funds back, they said I will be receiving a letter in the mail with a detailed statement and a check of the remaining balance, which is around {$15000.00}. The Citibank agents I talked to either find excuses to disconnect me or tried to transfer me somewhere else where nobody understands what I was talking about and then transferred me again. It's been a real nightmare dealing with Citibank Customer Service. They have been extremely rude and nasty. As a consumer, I've diligently pursued all avenues to rectify this situation but ended up being put into a hopeless position as where I am now. It's ridiculous and beyond frustration. My accounts are totally blocked and I can not even log onto my accounts to view my balances. That's why I have decided to file this complaint. Thank you for your assistance in this very important matter. Sincerely, 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Credit bureaus stated XXXX XXXX ( original creditor XXXX : XXXX XXXX  account # XXXX was properly investigated but how is that possible if the open date is inaccurate and the date last active is inaccurate and the date last reported is inaccurate. This is grounds for Automatic removal. XXXX XXXX original creditor XXXX : XXXX XXXX VIOLATED MY RIGHTS UNDER 15usc 1681 Section 604 A Section 2 The law clearly states a consumer reporting agency can not furnish account without my written instructions I HAVE NOT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-08-09
Company: TransferWise Ltd
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An account was created with wise on XXXX. The account was deactivated by them due to my age on XXXX. There had been the request of a transfer of money from my account at XXXX XXXX to the account on wise. After the account was deactivated I no longer can access it to cancel it. Today, XXXX {$93.00} were removed from my account even though the account was deactivated XXXX. I have no way to contact them nor to request the money back through the app since I cant log in to request help due to the account being deactivated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
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.

I told Transunion reinvestigate these Hard Inquiry : However, they stated everything was complete and accurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-26
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a continuation of the problem I already reported. Following my complaint to you of XX/XX/21, I got a form letter from Citi basically saying " We appreciate your feedback. '' They gave me a number to call, and it was just their normal automated answering service where eventually you get transferred to a person who transfers you to another person. I explained my problem : My husband died and I was told I had to apply for a new card with just my name on it. I got denied because I applied for two credit cards ( for the same reason ) on the same day. I got denied a second time because the agent accidentally registered my application twice, and was told I had to wait 60 days to apply again. In the meantime they cancelled my joint credit card because my husband was dead, and now I can't go to Costco  for 2 months, or get 4 percent off gas because I no longer have a card. 
The representative said she would transfer me to her supervisor, but instead I got transferred to the number to apply for a new card. So I again applied for a new card ( thinking the supervisor had possibly approved it ) and after the long application process, I got turned down again. Citi Bank Credit Cards are terrible deal with. Unfortunately they have a contract with Costco so they know they can be as mean as possible and you have to deal with them if you like Costco.

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 2023-12-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I reported my card stolen to Synchrony Bank last year. Because I didn't have my card I could not access my account information. I repeatedly reached out to get information and have a new card sent. They claimed a card was sent out but I never received it and I mentioned this to them. I was unable to access my account. 

In addition, this company makes it purposely difficult to access their system. Even now, I just received my new card and I still can not access my information to even review. 

I contacted the company today and they say I need to call back tomorrow, which will be XXXX XXXX XXXX and I doubt that I will be able to reach anyone. 

There was a promotional balance that ended recently that allowed approximately {$6000.00} in interest to be debited to my account. Had I been able to access my account I would have seen that the promotion was getting ready to expire and pay it off before it happened. 

I don't think this is fair and I get the feeling that this is an intentional scheme. A while back I had another promotional balance that was nearing its end. I had automatic payments set up and I had it timed to pay off the balance the month that the balance was set to expire. I made an additional payment knowing that the automatic payment would pay off the entire balance before the promotion ended. Instead, this company cancelled the automatic payment that was set up and the {$200.00} in interest fees hit my account. I reached out to them and they said it was intentionally cancelled because I had already made a payment. They then proceeded to ask condescending questions like " why would I make a payment if I already had an automatic payment set up? ".

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 2023-08-10
Company: Bread Financial Holdings, Inc.
State: IL
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:
I paid my Comenity Children 's Place card to a XXXX balance, paying off the full balance XX/XX/2022. I also closed out my card due to being unhappy with business practices. In XX/XX/2022 I received a balance for {$4.00}. I explained my card had been inactive and there was no charges made on the card prior to closing it as it had been paid off. I was told it was resolved. After being notified of a late payment reporting to my credit report, I continued trying to resolve but refuses to pay since I did not owe anything. Fees would continue to pile up and continue to affect my credit so in XX/XX/2022 I agreed to pay a reduced amount with Comenity taking off a portion of the late fees just finally resolve the matter. I agreed to pay if they cleared balance and accurately updated credit report. I was told I would receive a letter that I could also send to credit bureau to with update. Not only did Comenity not update my credit report but in XXXX they once again started saying I owe them and attaching late fees. As this is predatory and a way to continue to get money, I refused to pay. Comenity had continued to not only damage my credit with the Children 's Place card but sent me to collections for a debt I don't owe. They also did this same thing with my XXXX account which also reported inaccurate late fees and refused to send me documentation that they erased the fees because I didn't owe so I can send it to the credit bureaus and they refused to send anything to the credit bureaus to delete inaccurate late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

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 2023-08-10
Company: EQUIFAX, INC.
State: NY
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX 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 Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-11-13
Company: EdFinancial Services
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Previously a student with XXXXXXXX XXXX XXXX XXXX XXXX XXXX enrolled in XXXX XXXX XXXX XXXX XXXX the school lost accreditation, discontinued courses, and no longer offered a degree program. I contacted the Department of Education ( loan carrier ) and they filed a suit against XXXX to have accreditation revoked. Accreditation issues were a longstanding issue with school and has been communicated since 2008 which Dept of ED/Higher Education of Learning placed them on probation and later revoked accreditation again. Students had no acknowledgment of these issues until the bill was created. I contacted the Dept of Ed to dispute the amount balance, which should be XXXX XXXX but never agreed, could not produce accurate information from the school or come to a fair agreement. I filed numerous applications to later be informed by staff, we never received your application. On a couple of occasions and now recently on pending status. Because, of the count attempts to fix the loan amount and the court documents finding the school incompetent to render services.I am filing a complaint to ask for assistance with this matter so I can address my credit, buy a house and avoid higher interest rates and larger down-payments.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
An FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney fees. These inquiries listed in my letter are mine and I demand they be investigated thoroughly.

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 2024-01-01
Company: Continental Finance Company, LLC
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Celtic bank was opened in my name without my consent in XX/XX/2022 I have not received this card or used this 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a purchase on XX/XX/2023 for a XXXX charge that was not made by me for something called section XXXX pro. It was automatically credited back to me & my card was canceled. Today XX/XX/2023 I saw it was billed back into my account. I contacted chase and was told that my number, name & emailed matched. I have no email, phone call or contact with section XXXX pro. Chase is refusing to work with me to protect me from this fraudulent activity. I dont think its right for me to be forced to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Yesterday and for over a year I have been working hard to manage my accounts for better scores to purchase house and car. Yesterday score was XXXX all info same today lowered score XXXX points nothing was changed I paid as I was supposed to someones tampering with this 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