BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-05
Company: CITIBANK, N.A.
State: RI
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:
All four credit cards I have with CitiBank were abruptly closed. I attempted to contact customer service regarding this issue, however, no one would provide me with any information as to why they were closed down. I then contacted the Office of the President, as well as the executive office via email, in an attempt to retrieve information regarding what had happened. However, I did not receive a response from any of the people or the departments that I had contacted. Today, XX/XX/XXXX, I received a letter in the mail stating that all of my credit cards were permanently closed due to " misrepresenting the details on one or more of your billing disputes. '' No further details were provided. I am not aware of what billing dispute CitiBank is referring to, nor am I aware of any misrepresented details submitted on a billing dispute. Since CitiBank 's customer service representatives refuse to provide me with any information and upper management will not respond to my inquiries, I am unable to figure out what has happened, why it has happened, and/or if I can appeal the decision CitiBank has made to close my accounts. I have been doing business with CitiBank since XX/XX/XXXX ( my first credit card account was with CitiBank ) and I would like to continue doing so. I am hoping to have this issue sorted out and my accounts restored. 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 2022-07-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Before XX/XX/22, have XXXX credit cards with CITI registered to an online userId. 
XX/XX/22 - Create CITI checking account XX/XX/22 - Fund initial deposit of {$20000.00} from external account to CITI XX/XX/22 - Receive email stating that debit card, account information will be sent by mail XX/XX/22 - Schedule XXXX additional deposits of {$10000.00} from external account to CITI XX/XX/22 - Checking account marked for fraud, ALL online access blocked. Not just checking account access, but also access to view credit card balance, view transactions, or pay credit card balance online. 
XX/XX/22 - Contact customer support to unblock checking account, no helpful information provided. 
XX/XX/22 - Receive email saying my Checking account activity violates terms of service, client manual. Deposited funds will be refunded via check sometime over 60 days. My life savings are in this account, by the way. 
XX/XX/22 - Contact customer support over phone, ask to appeal account closer. Informed that decision to close account is final, no appeal possible. Ask if there's anyway to receive my life savings deposited into the account any sooner than 60 days. Directed to visit branch. 
XX/XX/22 - Visit physical branch, informed that branch can not help as access to account is completely blocked by CITI 's security team. Directed to continue discourse with CITI support over the phone. 
XX/XX/22 - Contact CITI customer support over the phone, notified that the external bank can simply create a bank-to-bank transfer request to refund the deposited money if money is needed before 60 days. 
XX/XX/22 - Contacted external bank customer support, informed they have no idea what CITI is talking about. No request, to their knowledge, can do that after ACH transfer has been deposited. 
XX/XX/22 - Contact CITI customer support again, this time to create a new online userId just for credit cards so I can have access to credit card services. Separate from the locked checking account. Actually successfully managed to do this. 
XX/XX/22 - Contact CITI customer support again, informed that as the external bank can't help, and that a physical branch cant help, I will have to wait up to 60 days to receive my life savings through a check. I resign in defeat. 

Total of 5 hours and 31 minutes spent on the phone. 
Account closure process began 3 days after account creation. Didn't even have a chance to receive the mail to view account number or debit card details. 
No explanation was ever provided to why the account was closed other than a blanket statement of fraud.

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 2022-07-16
Company: EQUIFAX, INC.
State: MO
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 reviewed my Complaints # XXXX, XXXX, XXXX and I discovered that you have closed my complaints last XX/XX/22. I am resubmitting my complaint today to inform you that I saw these UNVERIFIABLE accounts on my personal profile : XXXX  XXXX Balance : {$5100.00} ; XXXX  XXXX  XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$820.00} which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these erroneous accounts will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 reviewed my Complaints # XXXX, XXXX, XXXX and I discovered that you have closed my complaints last XX/XX/22. I am resubmitting my complaint today to inform you that I saw these UNVERIFIABLE accounts on my personal profile : XXXX  XXXX Balance : {$5100.00} ; XXXX  XXXX  XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$820.00} which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these erroneous accounts will be fixed.

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 2017-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX reported my account 30 days late to Equifax Credit Bureau for the month of XX/XX/XXXX. The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to XXXX XXXX XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/XXXX I sent a dispute to TransUnion requesting a reinvestigation AND Method of Verification about the following account XXXX XXXX XXXX XXXX dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ) .TransUnion just sent me automated reply without providing proof of " Method of Verification ''. I have requested TransUnion method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

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 2018-07-11
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Information belongs to someone else

Complaint:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 XX/XX/XXXX XXXX XXXX XX/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 2022-07-16
Company: EQUIFAX, INC.
State: MO
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 submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 but it seems that you have closed it on the same day. I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove inaccurate personal information and accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Account Control Technology, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX an Item with Account Control Tech ( ACT ) for XXXX XXXX University was placed on my credit. I immediately disputed the debt with ACT as well as the credit agencies and It was removed from my credit report. I also contacted ACT directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX  and never paid. I told them verbally that I never attended XXXX  and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XX/XX/XXXX ACT placed the item back on my credit.
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.

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 2017-09-05
Company: AES/PHEAA
State: OR
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:
I have made 25 payments on my loans that should qualify for the Public Service Forgiveness Loan program. They are only counting 11 of them even though I have turned in all of the required employee certifications ( sometimes multiple times ) and paystubs. I called them to figure it out. They said that one of the employment certifications was incorrectly filled out ( they said it was missing a start date, it was not ). I filled out the form 3 times and sent it in.
I then received another statement claiming 17 payments counted.
Everytime I fill out paperwork for them and send it in, they make mistakes and I end up having to do it again. I am terrified that I am going to end up paying more because of their XXXX ups. My payment dates are as follows : These payments all took place while I worked at another XXXX, XXXX XXXX which should qualify. 
XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXXAll Loans Payment {$86.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$81.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$80.00} XX/XX/XXXX All Loans Payment {$78.00} XX/XX/XXXX All Loans Payment {$5.00} XX/XX/XXXX All Loans Payment {$8.00} ( From XX/XX/XXXX-XX/XX/XXXX I  was unemployed and on an unemployment deferral. ) The payments below this line took place when I worked at a XXXX XXXX XXXX XXXX. They should all qualify. 
XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$430.00} With this program being in jeopardy because of the current president, I want to make sure they are servicing my loan correctly. I have copies of all of my forms that I filled out and sent if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/TD with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Block, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It has been over 10 business days with no updates on a dispute against XXXX for XXXX from XX/XX/XXXX cash app has told me they've escalated my case however I think at this point the dispute should be ruled in my favor because of the inexcusable amount of time for this dispute to be handled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Cashed a check on XX/XX/22. I was told there would be two holds after the next day deposit of {$200.00}. On the XX/XX/22 now they say that XXXX be the full amount hold, representative says because they can't verify the check. My check is from my lawyers office. I gave the accountant phone number to bank of America to verify the check. Still say there is nothing you can do with my money in your bank. This is way I don't leave money in the account. Someone needs to do something now.

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 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax website does not respond or malfunctions every time I make a request for a free annual report. This has happened at least three times when I tried. Something is wrong with Equifax 's consumer reporting website, it does not follow through or complete the reporting process without some sort of glitch voiding the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Credit Bureau Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX XXXX I sent CBCS a letter requesting validation of an account they stated I owe. CBCS states I owe XXXX for a XXXX XXXX XXXX XXXX credit card. When I first received a collection notice from CBCS I checked my credit reports and determined that the XXXX account they are attempting to collect is not my account. I tried to get validation from the original creditor but they did not provide a contract nor an agreement that bears my signature. I disputed that account with XXXX through the Consumer Finance and Protection Bureau which was turned over to the Office of the Comptroller of the Currency ( OCC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. This inquiry was not authorized by me. I have attached documentation to validate my claim.

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 2022-07-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is depressing to see the Credit Reporting Agencies do nothing with regards to my appeals for them to remove the disputed items that resulted due to Idenity Theft. I have already sent nineteen dispute letters pointing out the fact that I was a Victim of identity theft and that I never received anything nor benefits as the result of the theft of my identity. With the Creit Bureaus decision to ignore my written appeals, they have violated the Fair Credit Reporting Act section 605b and I am planning to take legal actions against the Credit Bureaus. I feel like all XXXX efforts ahad gone to waste and that the Credit Bureaus liked seeing a consumer like me suffer because of their negligent and non-compliance. I have informed my legal council about my plans and they are willing to help me. Once again, I need the Credit Bureaus Remove the Following items pursuant of the FCRA section 605b as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, NV XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation