BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
Made a purchase on my Best Buy credit card ( Citibank ) a little over 2 years ago that was approx. {$1000.00}. Have made regular on-time payments to date. I am a regular Best Buy customer so I periodically make small purchases for office needs and put on same card. The {$1000.00} ( 2-years ago ) purchase should have been paid off long ago. However, I was just notified I am being charged $ 700+ ( 29.9 % ) interest on that particular purchase because it had not been paid off. When I inquired where had all my payments been going for the past 2 years, I discovered they had been applying them to my ongoing purchases instead of the large purchase from 2 years ago. I now have a {$700.00} interest penalty on a {$1000.00} purchase. 
I thought the new credit laws were enacted to protect the consumer? This is not only completely unethical, but discourages customers to continue doing business with a retailer after a promotional purchase. 
I want my payments to apply to my promotional purchases first, or oldest purchase, not to ones with highest interest rate, such as current purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRUIST FINANCIAL CORPORATION
State: MN
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:
Company : XXXX Suntrust Issue : Student Loan Servicer continues to erroneously report past due payments on 8 federally backed student loans when the accounts were or should have been in In-School Deferment status during all months that are reported " late '' Suntrust was a servicer of 8 of many federal student loans which I consolidated in XXXX XXXX. XXXX  Suntrust is reporting late payments on all loans from XX/XX/XXXX-XX/XX/XXXX as late. The status reported specifically is 30 days, 60 days, 90 days, 120 days ( progressively late by 30 days each month ). Prior to consolidation in 2017, I had multiple loan servicers -- and not one of them reported the loans as late because they were notified by the Department of Education Clearinghouse that I was a full-time student. 

I contactedXX/XX/XXXX Suntrust by phone on or about XX/XX/XXXX. The agent that I spoke with said that the accounts should not be reported as late. I followed the call up with a letter because I had previously filed an online dispute with the credit bureaus to which XXXX Suntrust responded certifying that their reporting was correct. 

It appears that the XXXX Suntrust accounts were deleted from two bureaus because the accounts " aged out. '' However, the accounts are still reporting on XX/XX/XXXXas I got a second notice of XXXX " certification '' that the late payment reports were correct. 

I am submitting this report because I intend to file an action against this company for continuing to report erroneous information after the company was on notice that the status of the loans was In School deferred and thus should either not be reported or reported as on time and current. The Shelter-in-Place directive has brought non-essential federal court proceedings to a halt. I realize the CFPB is not a judicial body. This is to document the timeline of my complaint for statute of limitations purposes.

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 2015-05-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Today, XX/XX/XXXX, I attempted to use my Wells Fargo debit card at a XXXX grocery store located in XXXX, Texas. I had successfully used my card about a hour before at XXXX located in the same strip mall. In an attempt to pay for my groceries, I swiped my debit card. I was told the transaction was not authorized. Despite the fact, I had well over the amount in the account ( even after the previous XXXX purchase ). The check out person suggested that I try again, which I did. XXXX again, the transaction would not authorize. So, I used a debit card from another bank, which did go through. 
When I called Wells Fargo, to inquire what happened, their explanation was that they were concerned that I had been to XXXX previous to using my card at XXXX. So, without a text to my cell or a call, they blocked my card. In response, I explained how I was at check out with a cart full of groceries, not knowing why the card was blocked. The Wells Fargo rep again, just repeated that it was because I had shopped at XXXX previous. Is this something that they do to all of their customer 's accounts? My husband and I have been Wells Fargo customers since XX/XX/XXXX, why the hyper diligence regarding me using my debit card? 
In addition, before the customer service rep would speak with me, she required me to give my XXXX Wells Fargo credit card identification info! The credit card is not linked to the debit card 's checking account. It is an entirely separate account. She asked for this info even after I gave her the identification info regarding the debit card account, as well as the last XXXX digits of my social security number. 
Should I assume that for some reason I was deemed a person of suspicion? How do I know if and when my card will be subjectively blocked? I understand Wells Fargo, like many banks, take fraud related measures to protect accounts, but if Wells Fargo wish for its customers not to shop at XXXX using their debit card, they need to make a public statement. Otherwise, they position themselves as having final say as to where I can spend MY money. 
I would really appreciate an explanation as to their reasoning and if this type of action is within their legal rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax re-inserted accounts on my credit that do not belong to me without proper verification. I requested that Equifax verify the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit reporting agency must give you the method of verification information within 15 days of your request. Equifax have not done so. These are the accounts that do not belong to me : XXXX, XXXX, XXXX XXXX, XXXX, and XXXX 2007 account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TD BANK US HOLDING COMPANY
State: SC
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:
Around XX/XX/XXXX, I made my monthly payment for my Target card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that Target had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted Target about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " Target had a computer glitch when my payment was made and the payment did not get posted ''. I asked Target to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if Target had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted Target again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " Target was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report. 

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted Target on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If Target had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the Target account in XXXX which I was in good standing with my Target account as well as with my other credit card holder. 

Target ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: Credit Karma, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I had credit karma as my text I know text return repair I had an anticipation loan that I was pre approved never got that money I also did 2 money transfers which stayed double charge me and never give me the money back for {$600.00} all of this I have paperwork in documents stated and I couldn't tell you that amount of phone calls I made that never got me anywhere with credit karma they ruined my experience with XXXX XXXX forever

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Wow i am at lost for words ... .. and I am sorry to bother you once again in regard to Equifax Credit Bureau XXXX I am a victim of Identity theft and i have supplied Equifax with a certified police report about 2 years that list 2 accounts that were manufactured in my name as well as an address that i was not familiar with. 

The accounts were removed as well as the address but up until about 6 months ago they were RE-INSERTED to my credit. I have reached out to Equifax in this regard but it is no use .... the fraudulent entries remain on my credit. Equifax is the only bureau reporting the Fraud and once again XXXX # XXXX and XXXX # XXXX were removed and RE- INSERTED TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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: Investigation took more than 30 days

Complaint:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES

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 2022-09-10
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX, XXXX, and XXXX have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX- XX/XX/XXXX I had a checking account and a credit card with wells fargo they gave my account number to some other person who withdrew from my checking account and since i had overdraft protection with my credit card he/she kept withdrawing money until he withdrew XXXX. I filed a complaint with wellsfargo but nothing ever happen. After that my credit score wen down and I havent been able to get back to where I used to be

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 2015-10-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Hello my name is XXXX XXXX filing a complaint on a loan company called California Check Cashing on XXXX XXXX, CA. I just had a baby, so I am having a little hard times right now especially with hours being cut at my part time job. So, I decided to get fast money by taking out a pay day loan. My baby boy needed a few things. I was approved for {$200.00}. My loan is due XXXX XXXX, 2015 of {$230.00}. I have been calling since the XXXX trying to get a payment plan like they let me do last year in XXXX, because hours got cut even more because of seasonal hiring. The loan company refuses to allow me to do a payment plan. They told me I can only do it once a year and I did it last year, this is 2015 now. Mind you I pay all my payday loans back on time and I am a regular custimer there and they refuse to work with me. I asked to speak with a manager or supervisor she refused to ransfer the call. Very bad customer service there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have previously been a victim of identity theft. I have fraud alerts set up with each credit bureau. I recently noticed a new collection on my credit report, I previously had none. I immediately disputed this, and it was deleted off my credit report on XX/XX/2016. Recently equifax reinserted this info on my report, and this is not my debt. It is for a bill that originated in XXXX, AL. I 've NEVER lived in XXXX, AL. This is a violation of the FCRA.The Fair Credit Reporting Act states in 611 ( A ) ( 5 ) ( B ) ( ii ) credit bureaus must notify you in writing in 5 days before they reinsert the past deleted item. I did n't receive any notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a new mortgage loan with XXXX over a month ago and have been denied due to the fact that Wells Fargo refuses to delete references to " bankruptcy '' and to take off an old statement from me regarding payments under the bankruptcy as being paid according to agreement ( Ch XXXX that is ). My Chapter XXXX was filed in XXXX 2006. It has been well over 10 years and Wells Fargo refuses to delete these references. XXXX, a company that works with lenders to correct credit reports conferenced me in with Wells Fargo TWICE in their attempts to have Wells Fargo correct these over 10-year old references to bankruptcy and Wells Fargo has flat out refused to do so. I would like to see them penalized with a maximum penalty and by whatever the law allows.

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 2022-04-14
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 there a accounts attached that have 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 consent.

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 2015-08-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained an equity line of credit through Wachovia in XX/XX/XXXX. Wells Fargo Bank ( WFB ) bought Wachovia soon after and I received an transfer of the deed. I paid the loan off in XX/XX/XXXX the payoff went to WFB. There is a charge-off showing from Wells Fargo Equity for the exact same line I paid off. I can only assume all equity lines that were assumed through the buyout went to the Equity Dept of Wells Fargo whether the paid status was noted or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I worked for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX XXXX in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XX/XX/XXXX/XX/XX/XXXX almost the same dates as I worked for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I would like to file complaint against Wells Fargo bank, regarding my saving account. Account was closed without my knowledge and no explanation was ever given to me as to why suddenly my saving account was closed as well what happened to my savings/money! I opened saving account in 1998 with XXXX bank in XXXX, AZ that later became Wells Fargo bank. I had that saving account for more than 10 years and I put aside lots of money for emergency and different life events. Well account is gone/closed and money disappeared, Wells Fargo said in a letter mailed to me " due to the timeframe that has elapsed, we no longer have account statements ", also, bank stated " we can not locate a discrepancy for $ $ $ ". I truly believe that internal Wells Fargo employees stoled my saving account money by opening ghost account and transferring my money from saving account than simply closed the account.What an incredible lie from executive office of Wells Fargo bank. I am missing XXXX XXXX XXXX dollars from my saving account and bank got a nerve to tell me due to a timeframe they no longer can not locate account statements and a discrepancy for XXXX XXXX dollars! Pure lies and manipulation by the bank. Bottom line here is bank stoled my money and is hiding evidence as well selected individuals that work for the bank and their position. Pure internal FRAUD and SCAM. I am a pure VICTIM of FRAUD done by Wells Fargo employees!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
equifax has incorrect information on my credit report i have tried to dispute it on line XXXX times it has let me go all the way through the whole dispute process and when i submit it it says online dispute is unavailable and gives me an online dispute form to submit i fill it out and submit the dispute form and equifax never acknowledges it. I also fax from XXXX a dispute and they never acknowledge it. i have been a victim of identity theft and possibly a merged file. They have a XXXX XXXX account on there that does not belong to me, i have disputed it on XXXX occasions with an FTC report, There is also incorrect dates from XXXX i did not even have a bill with them until XX/XX/XXXX, i have never paid them late. they have late payments from XX/XX/XXXX i didnt have a DTE account in XXXX i called XXXX they said they dont show ANY late payments. i have asked for verification have not received it. I am no longer an authorized user on the XXXX XXXX. That relationship was terminated months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account to deposit my paycheck and that was all. I later logged into my account and noticed that there was also a savings account as well. Went into a branch to ask why that was on there, was told it was a way to save for future goals. I did not deposit much into the savings account and at one point moved all money from savings into checking and acquired a fee for a {$0.00} balance account. Was not told that fee would ever be applied.

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