BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
( DETAILED DOCUMENT UPLOADED ) CFPB COMPLAINT SYNCHRONY XXXX XXXX BACKGROUND : I opened this account to replace carpet in my XXXX XXXX XXXX XXXX home. I made the purchase at XXXX, on XXXX XXXX in XXXX, CA where the salesperson directed me to obtain this account for financing. As it turned out, I am essentially renting this carpet for {$230.00} per month with no balance reduction on my credit account after 18 months of a perfect payment history payments towards 70 % of initial credit line. Something is clearly wrong here. 

I have two other Synchrony retail accounts with similar perfect payment histories and paid-in-full balances : 1 ) Care Credit, 2 ) Amazon Shopping Card. 

ISSUES : 1. My balance is not reducing from initial credit line of XXXX 2. I have made a total of {$4200.00} in monthly payments since account opening in XX/XX/XXXXwith a credit line of {$6500.00} ; yet balance reported {$6500.00} on XXXX, so no balance reduction recognition in 18 months. 
3. My XX/XX/XXXX minimum payment jumped 100 % to {$530.00}. 
4. I was charged {$1400.00} in usurious interest, retroactively! 
5. My credit line was reduced on a false accusation of late payments to {$6200.00}. 
6. Credit line reduction put me in an over-limit negative status forcing me to make additional payments to get it under the credit line. 
7. My credit line reduction forced my account to 100 % utilization negatively impacting my FICO credit scoring. 


PURCHASES XXXX  : {$3300.00} XX/XX/XXXX XXXX XX/XX/XXXX {$330.00} XXXX {$1700.00} XX/XX/XXXX Total Purchases : {$6000.00} INTEREST CHARGES LUMP SUM HITS {$990.00} XX/XX/XXXX {$420.00} XX/XX/XXXX Total Retroactive Interest Charged : {$1400.00} PAYMENT HISTORY : Total Monthly Payments Made : {$4500.00} or 70 % of credit line repaid yet 100 % of initial credit line and account balance still owed,

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 2023-09-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the end of XXXX of XXXX, I XXXX XXXX went into my XXXX XXXXXXXX XXXX Wells Fargo branch to inquire on why all my accounts were frozen. I met with supervisor after waiting hours. She ( XXXX XXXX ) was very rude and said that my accounts were going to be closed due to me depositing a third party check. I attempted to explain that I wasn't aware that I couldn't deposit a check written from my company to non profit organization of amount {$200.00}. I ended paying cash and figure i can deposit check into my checking account. Her replied was that since I've been with bank for less than a year, I was not considered priority ( even though I had over an XXXX in my wellsfargo account ) She also stated that unfortunately all my account ( 3 Accounts total of XXXX ) needed to be closed out immediately. I became very apologetic and devastated because that was my primary account and all of my bills were set for auto pay with well fargo accounts. She stated that they couldn't do anything for me and I would need to withdrawl all my money and open up an account elsewhere. She also stated that as of XX/XX/2023 all of my accounts would be closed permanently and I would no longer have online access.

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 2021-11-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SVCS XXXX  Balance {$1500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on FIRST FEDERAL CREDIT C XXXX Balance {$2100.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a 25 year conventional mortgage from Wells Fargo to refinance my existing Wells Fargo mortgage. Wells Fargo denied the application. It appears to have denied the application based on pre-Regulation Z debt-to-income ratios. I say appears to have because it has also refused to issue me a written, detailed description of the reasons for the denial, and further refused to issue that written description in large print pursuant to the Americans with Disabilities Act. It claims that only billing statements are available in large print.

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 2023-09-08
Company: EQUIFAX, 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Money Source suddenly increased our escrow payment by $ XXXX/year with no increase in taxes or home insurance. We also saw a starting balance in XX/XX/XXXX that didn't match what the previous mortgage company showed prior to the transfer. When we contacted them as to why they stated it wasn't because those had gone up but because they could legally ask me to pay more. 

When I pointed out that their escrow statement they sent me was missing XX/XX/XXXX and another month in XXXX they said they would 'look into it ' which was over a month ago and they never did. 

I then asked them to remove the escrow account so I could pay it myself and did so in writing as outlined on their website. They waited a month to mail the paperwork, which I still don't have, and are still asking me to pay the {$1700.00} more upfront on the escrow with no justification and did not honor my qualified removal request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: MA
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:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO ME, THEY ARE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CAN YOU PLEASE REMOVE THEM OFF MY CREDIT REPORT. 




In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-11-13
Company: WELLS FARGO & COMPANY
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/29 I received a text message from Wells Fargo fraud Dept supposedly. Saying Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$1100.00} Reply YES or NO Or 1 To Decline Fraud Alerts. I replied No. and immediately started to receive a phone call from Wells Fargo. After answering, they said they were so and so from Wells Fargo fraud Dept and there was some suspicious activity on my account. They wanted to verify some charges. They named off a couple of XXXX charges and then the XXXX transfer of {$1100.00}. The XXXX charges were fine but the XXXX charge was not. I dont even know what XXXX is. He started to tell me that he was going to send me verification codes to cancel my debit card, remove phone numbers and email addresses from my account that were added that morning, and also the person added to the account trying to receive the wire transfer. I was on the phone with this guy for about an hour. After the last code I gave him, the phone disconnected. I then waited about 15 seconds and the logged into my mobile app and thats where I verified that {$8500.00} had been wired out of one of my savings accounts via XXXX to some XXXX XXXX at a XXXX XXXX XXXX XXXX. I immediately called Wells Fargo fraud Dept. Was on hold for about 30-45 minutes before I was able to get to someone. They opened a case and told me they would have 10 days to investigate the fraud claim. They told me that while I was on the phone with this supposed Wells Fargo fraud Dept employee, he had someone else on the other line feeding Wells Fargo the verification codes I was giving him to authorize this wire transfer via XXXX. I did have a missed toll free call while I was on the phone with the scammer. About an hour after I got off the phone, a voicemail came theu stating that it was XXXX from Wells Fargo trying to verify a wire transfer I was trying to make. I just got a letter in the mail from Wells Fargo stating that they will not refund my money because I or someone with my username and password authorized the wire transfer.

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 2021-05-21
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I fell behind on my loan due to my employer shutting down due to covid XX/XX/2020. I told XXXX that I'm temporarily laid off due to covid and not able to pay on my loan. They never gave me options to help. They keep contacting me telling me i have to pay. Even though i keep telling them im not able to at the moment. So eventually i stopped answering. But they keep calling and harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: FC HoldCo LLC
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:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1660B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-11-13
Company: EQUIFAX, INC.
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; 1 XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Prosper Marketplace, Inc.
State: NJ
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/XXXX I sent a second dispute letter to Prosper Market Place and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX  and XXXX has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or removed.

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 2023-07-31
Company: EQUIFAX, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made a settlement offer that they accepted. I paid it. Two months later they are asking for more money and not giving me my title to my car back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, am a consumer/natural person, I am submitting this complaint for myself, there is no third party. 
I have been disputing THE DEP OF EDU with no resolve. They did not have written consent to furnish any information on my report which is a violation. It is disheartening that negative information that a consumer has the right to dispute and have their report reflect positively is not taken seriously or given any old response too close a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: TX
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:
I sent disputes letters to all 3 bureaus XXXX, XXXX  and Equifax about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Wellsfargo financed my 2019 XXXX XXXX car. During the purchase, I was asked if I wanted gap and I said no. After I signed all the paperwork and purchased the car, I received a phone call couple of days after that I must add the gap on my new car or else, Wellsfargo will not finance my car. I was forced to purchase gap and my monthly payment went up more than I planned.

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Sinc
e XX/XX/XXXX2016, I have been disputing the chapter XXXX bankruptcy with XXXX and Transunion. They always states that it has been verified. I requested how this is verified as the courts does not report to the credit agencies.
XXXX removed the chapter XXXX as they could not verify so they removed it.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: TN
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:
The following hard inquiries were submitted to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I spoke ro capital one about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
cap one and XXXX inaccurate information on my credit violation of cra and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CITIBANK, N.A.
State: CA
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:
My name is XXXX XXXX and I am filing a credit card complaint against Citibank. 

I have been a Citibank Credit card user since I am a XXXX XXXX back in XXXX, I used its credit cards for the past 5 years and always pay my bill on time. 
However, on XX/XX/XXXX, I found all my credit cards are closed without any notification. 

I called Citibank immediately and no one can give me any reason for my account closure. Their support also can not help me to redeem my {$1900.00} cashback I earned over the years. 

Citibank did not provide any solid justifications on why they are closing my account. It made no attempt to contact me for any information, but simply decided to close my account. This practice is unusual and does not conform with industry standards and procedures carried out by all other banks. 

I want to share my experience here to alert any other consumers like me that might be tricked by Citibank. 

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