BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX. I opened a Citi Checking account in XX/XX/2023 ( Email confirming account approval was received on XX/XX/2023 ). 
XXXX. I made an initial deposit of XXXX from my XXXX checking account on XX/XX/2023. 
XXXX. I made a withdraw of XXXX to my XXXX checking account on XX/XX/2023. 
( No other deposits or withdraws were made since account opening. ) XXXX. I received a letter on XX/XX/XXXX, saying that : " We have been unable to verify recent activity on your Citibank account. It is important that we confirm that all recent activity has been authorized, and we can only do this by speaking with you directly ''. 
The letter did not mention account closure. 

XXXX. On XX/XX/2023, I called the number provided in the letter ( XXXX ). I was asked to verify my recent activity on the phone. After a few minutes, the representative came back and informed me all my Citibank accounts will be closed, including my credit card account. They refused to provide any information regarding the reason for account closure. 

The representative on the phone did not speak English very well and was very rushy. They became impatient as I wanted to clarify what would happen next such as how to receive the remaining balances and what would happen to my other accounts. For the representative, it is just a few lines of disclosure text. For a customer, that means a significant disruption to their financial life and troubles ahead ( caused by money held by Citibank for an uncertain amount of time ).

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 2021-09-22
Company: AXOS FINANCIAL, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan was with Axos Bank. I sold the vehicle to another entity. Almost 2 weeks after the loan was fully paid off, they just deducted another regular month 's payment from my account. The loan was fully satisfied yet they did not cancel the autopay arrangement. 

When I messaged them, all they gave me were directions on how to cancel autopay, which doesn't help after they've already deducted almost {$420.00} from account that I hadn't accounted for. Now I risk NSF fees for other bill obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: KY
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a home depot card through citibank and they have closed my account with no fault of my own no balance and the reason they did is not true and do not know where they come up with there fictitious reasons this is the second time they have done this and have no regards to someones credit and how they expect us to have good credit when they first give you a credit limit of XXXX and then XXXX and then today the said they closed my account have never missed a payment and said there was something on my credit that is not true my accounts are all current and there has been no late payments and have not to them at all this is the second card they have done this too me do they ever think how this hurts the home depot which has been having problems can understand why i mean what kind of people are they giving credit too i think this is unfair without them investigating most things are wrong on your credit reports anyhow which is unfair to us i mean first of all we get a ding for applying for one and then lower your credit limit and then that is another ding and then close it that is a major ding im so tired of these companies getting away with hurting our credit when we pay our bills and work very hard to do so 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 2023-02-17
Company: EQUIFAX, INC.
State: SC
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 have contacted Equifax about removing these Inquiries that I don't recognize from my credit report going on XXXX months now they have not been removed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX through XXXX XXXX and Associates of XXXX Georgia have recently garnished my paycheck on XX/XX/XXXX and XX/XX/XXXX for a debt that was already satisfied by XXXX XXXX/month consecutive payments made first in XX/XX/XXXX through XX/XX/XXXX. I have my cancelled checks as evidence. It would appear that once i satisfied the debt, the debt collector had a responsibility to file the appropriate dismissal with the same court they filed the suit in. This unlawful garnishment has caused me and my family immeasurable pain as I had my home on the market and was under contract for my new home when I was made aware of the garnishment.

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 2022-08-17
Company: Bread Financial Holdings, Inc.
State: MN
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 got a credit card from XXXX XXXX Comenity bank, a few months ago, have been paying on time for a {$30.00} or {$35.00} dollar purchase, and have been billed with late payments of {$40.00} to {$90.00} in late payments. 
Wrote them a note along with last Payment explaining their mistake, but only to receive latest bill of {$120.00}! 
Also, had a harassment call from them to pay a {$40.00} late fee, which caused me to have kidssymptoms of almost a XXXX XXXX 
Last purchase at store was made with other credit card. 
This is the worst bank and someone should stop them from doing business.Thank You kindly, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : XXXX XXXX Bankruptcy / XXXX/ {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was based and worked in New York for XXXX from XXXX until my retirement in XX/XX/XXXX Before I left NY, I cleared ALL my debts and closed all my accounts including credit cards at both J.P Morgan Chase and XXXX XXXX XXXX. 
However, despite all my accounts with a XXXX balance being " allegedly '' closed, I discovered In XX/XX/XXXX that BOTH Chase and BOA are still charging my accounts with monthly " bank fees ''. In XXXX I spent close to {$200.00} in phone calls to these respective customer services at these two banks to ensure that my accounts were closed. They allegedly " reversed '' these fees stating that was an automatically generated " system issue '' and that they would pass on the information to the appropriate department. I refuse to spend any more money contacting these two Banks due to their lack of customer service, diligence and banking compliance. 
I am now back in XXXX XXXX since XX/XX/XXXX and recently discovered that BOTH Chase and BOA have been charging my allegedly " closed accounts '' Monthly bank fees for XXXX and XX/XX/XXXX. In each bank, my accounts have an overdrawn account balance of - {$24.00}!! ( Refer to attached screenshots ) In my case, they are deliberately " failing '' to close my accounts. 
Although being in XXXX XXXX I could " ignore '' them. However, I would do so at my own peril. Left unchecked, these unpaid bank fees will eventually attract default payment fees, referral fees to bailiffs and the likes eventually Courts fees added to the lot with a warrant to arrest should I ever put a foot in the USA ( or even transit via the US ) with the outstanding amount totalling thousands of US Dollars for one individual. 
I would be grateful if your office could address and expose the bank 's rot at the expense of the average consumer. 
Thank you for your time and consideration. 
XXXX XXXX ( XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is in regards to an American Express Bluebird account. 

I went to sleep last night with approximately XXXX dollars in my account. I wake up my account is locked, permanently. I don't have a clue as to why. I call customer service at XXXX. 

I spent five hours on hold, and being transferred around. I am told there is nothing they can do for me. Im am told that I am to write a letter, yes write a letter, to Bluebird Customer Care at XXXX XXXX XXXX XXXX  GA XXXX to see what they can do. 

This is my entire paycheck. I have no money for bills, rent, and food. I have XXXX children who can not receive meals at school as they are now at home due to COVID-19 precautions. 

My last purchase was for a XXXX in XXXX AZ through XXXX XXXX  XXXX XXXX on Thursday XX/XX/XXXX at approximately XXXX for a hold on rental equipment. I have the receipt for this purchase dated XX/XX/XXXX at XXXX as this is when I returned the equipment, but it probably wont process as the account is locked. I do not know what happened. They wont tell me. All they said is my account is locked and they can not open it. After being on hold all day I am now contacting you XX/XX/XXXX at XXXX. Thank you for your assistance in this matter Restfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX, I notified Transunion in regards to certain error on my credit report, i.e. bankruptcy discharge updates. Specifically, there are several accounts were included in the bankruptcy, thus the account status should be closed and XXXX balance. The student loan accounts were not included in the bankruptcy, thus it should be open with accurate balance. Transunion made the corrections. However, In late XXXX, the same error occurred again, thus I had to redispute it. Their rep informed me that I must wait until XX/XX/XXXX for the new update. I waited until the XXXX, the same error was still there, and I'm about to lease a new auto. Because of the repeated error, I had to delay my lease and possibly miss the discount offer.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions IdentityTheft Affidavit . 
Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: MIDFIRST BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I already contact the collection company and been paying that account. They told me if I still paying that they will made a good report to the credit bureau because I want to buy a house. 
The other is that I already pay my house that I sold out about 1 year ago. Have 2 mortgage I don't know why. The house is sold out in good standing and I see that still appears that I owed that I already paid it why is not in my credit report and my credit report still in XXXX or 500 something. This is insane, you people are the worst credit bureau that I ever know. I'm going to report this, I know people that want to start again and can't for you. My wife and I want to buy a new one and we can't for 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 2024-01-09
Company: TOWNE MORTGAGE COMPANY
State: GA
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish on account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan for any purpose.

Subsection I state that transactions are not included in the Consumer Report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
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:
inquiries that was reported to my credit report that i dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that was open by somebody else. They couldnt make it any charges. card got closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fortiva Retail credit i already paid the credit and they closed my account and I tried to buy again and the company said my account is closed. After that they charging {$25.00} dollar annual fee. I called and they said my account is open. I have to pay {$25.00} but I don't have credit available. Now my account increased. {$82.00}. Why i have to pay if my account is unavailable. I need help because my account is going to be increased every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: AL
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'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX XXXX  being updated and/or resolved, but XXXX XXXX is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.

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 2022-04-12
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In mid XX/XX/2021 I received a letter in the mail from Aidvantage saying I had a great opportunity through some government program that I have the possibility of having my student loans forgiven or reduced. I called the number and started the whole process. I sent in documents, paid them {$800.00} to consolidate my XXXX or XXXX loans into XXXX loans. They said this would greatly reduce my monthly payments. I gave them permission to auto draft my monthly payments once the pause on student loans were lifted. They began pulling {$40.00} a month ( that was agreed apon based on my income ) in XXXX. I thought this was odd since the pause on student loan payments had been extended. I decided to keep going with the payments thinking that I may as well get a head start on these payments since there will be no interest until the payments are unpaused. Around XXXX was when I started getting phone calls from another document prep agency that also works with Aidvantage saying that I still had stuff incomplete. I call them and they start going through the whole process again. I tell them that I already paid {$800.00} to consolidate my loans and that {$40.00} a month has been taken from my bank account for my student loans. They tell me they have no evidence of this occurring. They told me to call who I dealt with before, but I either keep getting a busy dial tone or a disconnected line, or I have to leave a voicemail. I have been trying to get in contact with the people who can help me figure this out to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
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:
FRCA XXXX XXXX XXXX XXXX XXXX TEXAS XXXX EMPLOYEES XXXX FRCA Violation collections 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 explanation