BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank is misapplying my payments to lower interest rate balances in violation of their terms. I called Citibank on XX/XX/23 to get a better understanding of why my payments were being applied to the lower interest rate balance instead of the higher interest rate balance. After spending 2 hours on the phone with a CSR and then a manager, I was told that I could not get a detailed explanation of where my payments were applied because the system was unable to look at that data from prior statements. I was literally told to make payments in the future and they could tell me which balance they were applied to, but they could not tell me regarding past payments. My spending and payment amounts are nearly the same each month but still my lower interest balance drops by thousands each month while my higher interest rate balance increases by thousands each month. It seems unacceptable to me that they can not explain why.

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 2023-05-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the course of my account when I first opened it back in XXXX, ive had numerous overdraft fees and charges that I shouldve never received. Ive also had issues most recently in XX/XX/XXXX I disputed some charges on my card for products that I purchase and never received eight separate charges for XXXX, and they disputed the wrong charges and because of it cause my accounts with them to be delinquent and charged off to collection agencies and ever since then now my credit score has been impacted in a negative way and they still have not done anything to fix it and make it right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
The XXXX XXXX credit card Through MY XXXX Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXX " credit card with XXXX Bank to correct the issue and nothing has been corrected.

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 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir/Madam, I am XXXX XXXX XXXX XXXX I have been a bank of America customer since XX/XX/2014, and my account has been active throughout these periods. I was the preferred reward member. 
My account was closed without notice to put my house in order with my monthly bills and subscriptions linked to my account and debit card. 
Furthermore, I received my bank account transaction update mail today at XXXX XXXX. 

The XXXX told me at the Bank of America XXXX XXXX that there was nothing I could do about my account closure and that the bank has a right to close my account anytime without giving me any reason. 
The Bank 's action has affected my reputation and integrity. 


Regards 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 2023-02-25
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I went to get financed for a vehicle I ended going to XXXXXXXX XXXX  auto dealer here in XXXX TN I was told my credit wasn't good enough so I needed a higher down payment I was looking at XXXX XXXX is XXXX model they told me I needed around XXXX to pay for the car that old I couldn't believe it but I was desperate and I didn't have the transportation at the time to look any where else so I agreed they wanted an extra XXXX for taxes which was to much I felt I was paying but I was in a situation and needed transportation to get back and forth to work to pay bills I was told my car would be a total of {$12000.00} but after I filled out and agreed to everything my total went up to around XXXX when I looked at the paper work I asked why they say it was the finance company which is credit acceptance they over charged me for an old vehicle I struggled to keep up with payment when switching between jobs the company would not help me my car was repossessed a couple of times which I had to high fees to release my vehicle causing me to go further into debt I'm not rich I'm just an everyday working American trying to make it and I feel this company and dealership played me for my cash now I fo not have the vehicle and I need help please

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 2022-12-27
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXXBalance XXXX {$300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$700.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$660.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: East Coast Funding Group
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, in XXXX I got a car for {$9500.00} but they only credited me for {$7500.00}. I was arrested on XX/XX/XXXX, I got out five days later where all charges were dismissed. The police took my car without a warrant from my driveway. I went to pick up my car from the police property department where they told me I could not get my car back because the bank had taken it with all my belongings. So, I spoke with the bank to find out they sold the car. I was never contacted by the bank. I made my payment on XX/XX/XXXX, they sold the car on XX/XX/XXXX without ever notifying me. I had not heard anything from the bank. I moved to in XXXX after that to GA. In XXXX, I had to move back to NY because my mother got XXXX  and passed way. So now I find out there is a judgement against me from east coast funding group. I never received any notices from them. I wrote asking for the full accounting on the account nothing. They stated I never made a payment from the time I got the car, not true at all. So, after some digging and research, I found out that east coast funding has a XXXX XXXX XXXX, I called wisdom financial and asked them if I could get a copy of my full payment history. Wisdom financial mailed me the payment history where I find out east coast funding lied and said I never made a payment but in fact wisdom financial accounting shows I made all my payments up until they stole the car from the police impound with all my personal property. All the while, never sending me any notice or a chance to get my car back. I have sent them all kinds of letters they never answer. I had to write this so people on here realize they can do a lot one being the fact on how XXXX treats and speaks to you its illegal and a violation under the FCRA the Consumer Law and Policy. Also, this company was also fined by the state for unfair banking practices. Please check their XXXX  reviews and ratings. Where people are saying there doing the same to them. I have also filed an order to show cause and the judge did sign it staying the enforcement of the judgement pending a hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-04
Company: Experian Information Solutions Inc.
State: FL
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 have a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX  XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NM
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  Account # XXXX, XXXXXXXX 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 XXXXXXXX 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 explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692e 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

15 U.S.C. 1681s-2 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

In addition as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and they have continuously used itemized documents to " verify '' my debt. Attached to this complaint I have several letters and documents contacting these collection Agencies as well as the credit bureaus to try and attempt to remedy this situation, as well as their responses. I also have a copy of my credit report attached to this with several of the inaccuracies specifically highlighted

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 2023-05-06
Company: EQUIFAX, INC.
State: IL
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:
I have been fighting with this since 2016 XXXX XXXX financial. Changed me for classes I never attended t, they said they never received my letter I wasnt attending. I made a settlement with them and paid collections agency and the said account is closed now but the credit agency company is still reporting and having a negative impact on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a checking account with Citibank ( acct. number XXXX ) based on an offer of a cash payment for a certain level of deposit into a new account. The offer was prominent on their website encouraging the opening of the account ; the offer is still widely displayed on their website today. The required deposit of {$75000.00} was made for a {$1000.00} cash bonus. On XX/XX/XXXX, I contacted Citibank and was told be an associate that the required amount of deposit was made in the required time frame for the offer, that the correct " code '' had been entered into their system, and that the payment should have been made. The associate opened an inquiry, XXXX. On XX/XX/XXXX I received notice that there is not such a promotion at that time, even with the same promotion being offered today! Classic bait and switch. I am targeting that the account be closed at the end of 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 2023-08-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 explanation
Consumer complaint received 2023-05-06
Company: Synovus Bank
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:
in accordance with the fair credit reporting acct XXXX has violated my rights 15 USC 1681 section 602 states that i have rights to privacy. 15 USC 1681 Section 604 A section 2. it also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence

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 2023-05-06
Company: Block, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I had XXXX XXXX in my cash app prepaid card savings account. 
I also had XXXX XXXX that was in the cash app cash card account. 
When moving the savings balance to the cash " card '' balance the whole amount XXXX XXXX XXXX was taken out of the account. 
I then contacted customer support and was told there had been a mistake and I wasn't charged from a previous purchase I made. 
I asked why I couldn't see the activity on my account that would justify the money being taken out of my account? 
The representative suggested I look for a completed purchase in XX/XX/2023 from XXXX. 
The representative suggested I look between the dates XXXX XXXX. 
And that the purchase was authorized then but the money wasn't taken out of the account. 
There was no negative balance or anything that would support Cash Apps claim. 
2 days later on XX/XX/XXXX a family member sent me XXXX XXXX and the whole XXXX XXXX was taken from my account without showing on the ledger or account activity page. 
when I tried to reach customer service I received no response and my account was closed my balance wasn't recovered and I have no access to XXXX XXXX  that is in the account. 
Now on XX/XX/XXXX I have access to the account but I still haven't heard from customer service not even their standard away response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Had home mortgage with Wells Fargo from XXXX. Attempted to work with them when I was transferred for work and needed to sell my home. The process to sell was horrible. I lost 3 buyers because Wells Fargo failed to provide documents to buyer in a timely manner. The entire process took over a year before it was resolved. Was never able to get help online or via telephone, thankfully my new job was inside the Wells Fargo tower headquarters in Minnesota. After months of struggling with loan officers, the bank manger assisted in sending necessary paperwork so I could close on selling. My credit took a significant hit as the time for closing too forever. Additionally I was hit with numerous late fees because of their error.

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