BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Consumer has a credit card with Wells Fargo Bank. 
Consumer used a promotional interest rate of 3.99 % which was suppose to expire in XX/XX/2019.It was solicited by Wells Fargo Bank Consumer has been making all payments on-time. 
In XX/XX/XXXX, Consumer did not receive a billing statement. 
In XX/XX/XXXX, anticipating that a payment is due, consumer still made a higher than anticipated payment which arrived at the bank just two business days late or four days if weekend is in included. 
As a result, bank charged the consumer a late payment fee of {$39.00} on XX/XX/19 statement. 
As a result, bank removed the promotional rate and started to charge a penalty rate of 12.25 %. 

Consumer monthly minimum payment went up from {$750.00} to {$1100.00}. 
Consumer is being forced to pay an interest rate charge per month of {$560.00} instead of {$180.00} thus costing almost {$380.00} additional in interest charges per month until XX/XX/2019. 

Consumer believes that Wells Fargo change in interest rate is a predatory lending practice and is in violation of consumer federal protection act and other federally granted consumer rights. This complaint is not an isolated issue. This bank has history of fraudulent business practices and has been on the news more than any other bank. 

Consumer hereby requests that 48 business hour delayed payment does not constitute a breach of contract to remove a promotional rate from the account. Hence this issues should be resolved by re-implementing the 3.99 % interest rate, returning {$39.00} late payment fee. 

Consumer also request that bank changes its promotional offers, be more transparent regarding its penalty rate. No one has an idea if they miss the payment by one hour or 96 hours are likely to incur penalty interest rate. Bank needs to define that payment needs to be missed one or two billing cycles. This period can not be in hours. This is fraud and abuse. 

Consumer intends to fight this charge through all available channels if this issue is not solved. My concern is how many others are in the same shape when as a physician and with business degrees, I am a savy borrower who has NEVER missed a payment for over two decades. 

I can be reached via 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 monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: The Receivable Management Services LLC
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: Old information reappears or never goes away

Complaint:
Receivable Management Services is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Receivable Management Services ) are now illegally reporting negative information to credit reporting agency ( e.g., 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 explanation
Consumer complaint received 2023-01-23
Company: Radius Global Solutions LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Radius Global Solutions, LLC partial account # XXXX or Partial acct # XXXX has violated my consumer rights. I did not give Radius Global Solutions, LLC written permission or instructions to furnish this negative account on my consumer report. 

15 US Code 1681 section 602 A. States that I have the right to privacy.

15 US Code 1681 section 604 A section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$2000.00} 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 non-monetary relief
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: NM
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:
Inaccurate and fraudulent accounts from 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 explanation
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX online purchasing 2 tickets on XXXX XXXX at check out - offer came up to apply for CitiBank AA receive {$200.00} off total. Talked to Rep which assist in application. Asked Rep why the {$200.00} was not taken off then, he said he will be on the disconnected on the bill. Received the bill along with card no discount on XX/XX/XXXX. 

Contacted the Rep at XXXX, she says its no {$200.00} discount just {$50000.00} miles. 

{$200.00} is what prompted me to purchase the ticket.

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 monetary relief
Consumer complaint received 2023-01-23
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
A Truist Bank official check was sent to me payable to the Estate of XXXX XXXX. I took the check to the XXXX XXXX  XXXX and they issued a Final Order to pay over to XXXX XXXX XXXX Personal Representative ( documents will be attached ). On XX/XX/2023 I went to the Truist Bank XXXX XXXX XXXX XXXX in XXXX XXXX. The representative told me a manager was not there so she called a manager at the XXXX XXXX XXXX which told her she could not do what the Final Order instructed. She emailed the legal department and she told me they said it could not be done. I understand with our large banks this is happening. I'm a XXXX XXXX XXXX XXXX XXXX  and go back and forth with our XXXX services department with these XXXX XXXX XXXX  XXXX orders because the associates are not comprehending. 
Our interstate banks have to abide by the court orders of each jurisdiction they operate in. Please see attached documents. Thanks

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 2020-12-23
Company: EQUIFAX, INC.
State: TN
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:
Equifax has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Im a federally protected consumer with rights and a righ to privacy that Equifax has breached pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: ONLINE Information Services, 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:
On XX/XX/2020, ONLINE INFORMATION SVCS added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, 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 saying its mine. According to the FCRA, ONLINE INFORMATION SVCS has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Prince Parker & Associates
State: CA
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:
XX/XX/XXXX, 2018, Prince Parker send me a letter to collect {$340.00}. 
I called them that this is a wrong collection, but they asked me to call XXXX XXXX XXXX, I contacted XXXX XXXX XXXX many times no way to resolve the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/22 I sent a letter to all XXXX-credit bureau Transunion XXXX XXXX and XXXX regarding the inaccurate and unknown items on my credit report. To this day over XXXX days later I have not received a response yet. I feel I'm being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report if it's been over XXXX days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me. 

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

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 2020-12-16
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: Was not notified of investigation status or results

Complaint:
On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the XXXX  data breach and my have gotten in the hands of the wrong person like scammers.

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 2020-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to formally complain about the numerous errors that have occurred in processing of my requested {$1000.00} payment that should have gone directly into my loans escrow account to offset a portion of my escrow shortage. 

On Thursday XX/XX/2020 I contacted Citizens One Customer Service and directed the customer service representative to process a {$1000.00} payment directly to my escrow account to paydown a negative escrow balance according to my recent escrow analysis. I was informed that this transaction had to be done by a customer representative and could not be done on-line by myself. I normally make all of my mortgage payment online. 

The Customer Service Rep put me on hold several times while she conferred with her Supervisor on how to process the transaction. I was assured no less than 4 times that my {$1000.00} payment would be applied to my escrow account. 

The next day a withdrawal of {$1500.00} was posted against my XXXX Checking Account causing an overdraft and a subsequent {$37.00} over-draft fee on my account. The payment was posted in error as a regular mortgage payment, which was not due until XX/XX/2020. The majority of the payment was applied to interest. I went to my bank that day, where I again contacted Citizens One Home Loans and spoke to Customer Service Rep XXXX, who apologized for the error, instructed me to send a fax verifying the charge on my bank account to fax number:XXXX, and that she would have the error corrected by reversing the unauthorized payment. The error was not corrected. 

I have made countless follow up calls ( no less than 6 ) and still have not resolves the issue. Citizens One Home Loans then instructed me that they would move money from my prior months ( XXXX ) payment to apply to my escrow, the use the {$1500.00} payment made in error to cover the prior months ( XXXX ) payment and use any overpayment towards principal?!!!? 

I should not have to negotiate where to direct moneys already paid in my account towards where the bank wants to place them. 

To resolve this matter : I am requesting that the {$1500.00} unauthorized withdrawal from my XXXX Checking Account be reversed and that the {$37.00} overdraft charge on my XXXX Checking account be reimbursed. 

I am requesting that my original transaction of the {$1000.00} payment directly into my loans escrow account be processes. Any over-payment resulting from these transactions should be posted into my escrow account, not principal or interest. I also request a re-evaluation of my escrow account for 2020 be conducted after XX/XX/2020. 

Cordially, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I did a review of my most recent credit report and learned that a fraudulent account with Truist bank had been opened in my name and my identity had been stolen.

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 2023-10-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In 2005 I obtained a Citibank Costco credit card. I was approached by an employee at the store and was urged to sign up for the Business card. I explained that I was a free-lance writer with income that varied year to year, but that I was married and my husband and I had income from several other sources. The employee nonetheless urged me to get the Business card, rather than an individual card, and a secondary card was issued to my husband. 
Since then, I estimate I have made purchases totalling well over a XXXX dollars and faithfully paid off the monthly balance. My credit score is in the mid XXXX. 
In late XXXX, in advance of a long trip to XXXX, I attempted to and was able to raise my credit limit to {$25000.00}. I was notified by email within 24 hours of my request that it had been approved. My husband and I both notified Citi by phone that we were traveling to XXXX and would be using our cards there, to avoid triggering security concerns.I received no other communication from Citi and flew to XXXX with my husband for a XXXX trip. 
On our arrival, my Citi card was declined. Upon calling, we learned that Citi had closed my account without my knowledge and with no communication. When we called, we were told that it was closed because I had told the person approving the credit increase limit that the " business '' was closed. I believe I told him I had no income from writing last year, but gave another substantial sum that is my family 's annual income. The person must have misconstrued my answer, because in fact, I will continue to earn income in the future as a writer. When we called to find out why the card was declined, we were told that Citi had notified us by mail the reasons for the closure, despite the fact that they had my email address and phone number and knew that we were not at our XXXX home, but traveling in XXXX. I spent several frustrating days calling Citi and being told I would hear from someone, and finally received a stock email refusing to reopen the account. Upon our return, I found a letter from Citi claiming that they had reached out to me for more information about the business, which is a total falsehood. When I inquired about what would happen to the approximately {$1500.00} in cash-back rewards I had earned this year, I was told they would be " forfeited '' because the account was closed.

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 monetary relief
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On or about XX/XX/XXXX, Capital One Credit Services closed out my credit account due to fraud suspicion. An investigation was launched and showed no fraud activity on account. I help this credit card account in good standing over 3 years, in the duration I was offered a credit increase and auto loan for outstanding payment history and relationship with the creditor. However, due to the fraud investigation results, this creditor closed out my credit card account with little to no feasible explanation why. The result devastated my credit score with a blow out decrease of 35 points dropping my initial credit score that I have worked hard to improve and repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account on my credit report with Hunter Warfield that I am not familiar with. I reached out to them and sent a letter requesting validation of debt and I only received an itemized statement. Here is the tracking XXXX XXXX XXXX XXXX XXXX. A statement is not validation of debt. They did not send a contract with any signatures or valid proof that this account is mine and belongs to me. Please remove this account from my reports.

Company response to consumer: Closed with explanation