BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filing a complaint regarding a consumer mistreatment from Wells Fargo Bank. It began with me losing at least {$10000.00} USD on XX/XX/2022 due to a couple fraudulent transactions from my Wells Fargo checking account. There were at least XXXX unauthorized transactions that contributed to that amount and I've requested disputes for all three transactions only to receive a letter stating that they've determined those transactions as authorized and simply closed my claim because they did not see any processing errors. My banker advised me to file an online police report regarding the case and I did just that ; only to see that my case remained uninvestigated over a month after filing the case. 
Later on XX/XX/XXXX, there were another XXXX  unauthorized transactions from XXXX which added up to {$370.00} USD that were lost. I visited my banker again during the same week and they assured me that Wells Fargo would refund me for my lost {$10000.00} USD plus the {$370.00} in the next XXXX business days upon that visit. XXXX weeks passed and I never was credited for the lost amount. Considering that I am currently XXXX, this not only caused a huge loss for my finances but also a massive emotional distress that has been occurring since the last few months ; especially due to the fact that it took almost a whole year to earn XXXX XXXXXXXX through hard labor.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I expect your thorough investigation into these matters and request confirmation of the removal of these accounts from my credit report. Kindly provide any supporting documentation used to validate these debts. 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 Also, This serves as my final communication before pursuing legal action against your non-compliant company. Please be aware that my intention is genuine, and I am fully prepared to take legal measures to protect my rights as a consumer. To potentially resolve this matter without legal proceedings, I am once again outlining the inquiries in question for your attention. Complying with FCRA regulations, I request an investigation into the following : XXXX XXXX XXXXXX/XX/2023 and XXXX XXXX XXXXXX/XX/2023. Attempts to contact these companies independently have been unproductive. The provided phone numbers on my credit report are inaccurate, and those companies I managed to reach have no record of my existence. This raises serious questions about the permissible business purpose behind these credit inquiries.

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 2023-08-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2021-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC is claiming that I owe them {$230.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: GA
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:
I made two payments to my chase freedom card, and one payment to my chase business ink card, then a day later chase closed my account. No warning, nothing. I have never missed a payment on either card. I have been a loyal Chase customer for years. I was planning on paying off both cards within the next month. I need my credit cards to be re-opened, as I will not have such high credit utilization on them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX XXXX XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified EXPERIAN that I am a victim of identity theft, and requested that EXPERIAN Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) Im a member of the XXXX data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING EXPERIAN SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports

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 2021-10-27
Company: Experian Information Solutions Inc.
State: NJ
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:
We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an XXXX XXXX XXXX, the industry shut leaving us no way to XXXX XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high 800 's to the 600 's. My credit is impeccable I have not made a late payment in over 20 years.

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 2021-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a 1099 because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Financial Institution : Capital One Credit Card : VISA XXXX ( deactivated ) On XX/XX/XXXX, XXXX fraud charges labeled XXXX XXXXXXXX ( {$200.00} each, totaling {$410.00} ) on the account referenced above were detected by Capital One Fraud Team and confirmed by me as the card holder. Capital One deactivated the card, and immediately refunded the charges to my account. 

However, on XX/XX/XXXX, Capital One notified me by letter that their investigation led to no indication of fraud, without providing any specific reason. My account was again charged {$200.00}, twice. 

On XX/XX/XXXX, I called Capital One hotline to protest their reversal, and re-emphasized the transactions were not authorized by me. Agent of Capital One informed me that an error was made and that my account will be credited {$410.00}. This was also followed by a letter of confirmation from Capital One. However, as of today, no such credit has appeared in my account. 

On XX/XX/XXXX, I called the Capital One hotline again to follow up and was told that I need to resolve the issue with XXXX. So, I inquired with XXXX and told the XXXX agent that I did not authorize such transactions. XXXX informed me they found the transactions, but they are not linked to my XXXX account. This also confirmed the transaction is unauthorized by me. 

My XX/XX/XXXX call to Capital One was yet another frustration, after an agent told me she would transfer me to her supervisor, but instead the line was disconnected. 

On XX/XX/XXXX I sent a letter to Capital One Fraud Protection Department to reiterate that the transaction merchant is not recognizable to me, and the purchases were not authorized by me. No goods were delivered to me and no service was provided. I am the sole user of the credit card, and I have never given anyone else permission to use it. Nor did I authorize XXXX to charge this VISA account ; the transactions do not even show up in my XXXX account. The letter was received on XX/XX/XXXX according to USPS record. However, I haven't heard from Capital One in any format of communication ( phone call, email, or letter ) since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: GreenSky, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
From XXXX XX/XX/XXXX I received daily phone calls from Greensky Loan Servicing demanding payment if I have missed my due date for payment. They have done the same multiple times in the past since I took out the loan on XX/XX/XXXX. In fact, since I took out the loan for medical reasons, everyday past the day my loan is due, I receive phone calls everyday until I make my payment. I have asked them repeatedly to stop calling me every day and that I would make the payment as soon as I had the funds. Despite this, I continue to receive harassing phone calls as early as early as XXXX XXXX on XX/XX/XXXX. I have informed them that I would be lodging a complaint and asked them repeatedly to stop calling me every day. They have not been deterred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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 am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MD
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 am a victim of identity theft please remove this fraud inquiry 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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 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, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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.

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 2023-03-22
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own an office building and had it rented. I deposited 3 rent checks of {$5100.00} on XX/XX/XXXX. On XX/XX/XXXX, all 3 checks bounced my account due to NSF. 

Thursday of last week, XX/XX/XXXX, I noticed that PNC was freezing my available balance and taking out {$5100.00}. I've not deposited any rent checks since XX/XX/XXXX when all 3 were NSF. 

Please see 14 pages showing my bank history since XX/XX/XXXX to current showing above statements to be true. 

I've spoken to the local branch manager, XXXX, and called their service #, yet, I'm told that they can do this. I believe if they are doing this, their bank must need strong audits because they sure have taken it from my account in XXXX XXXX, XXXX and now in XX/XX/XXXX taking it again. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Collection Bureau of the Hudson Valley, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report l, there was collection for Collection Bureau of Hudson Valley I requested information to verify the debt from collection agency, they only had my current address. After I researched the original company and I found out this collection is for a cable service in Florida. Ive never lived in Florida. Ive disputed this with the credit bureaus with no success. This debt is not mine, and I can not afford to pay for something that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been in constant contact with XXXX regarding a charged off account reporting past its statue of limitations and should be removed from my credit file. I have disputed this account with all credit reporting entities as well as the original data furnisher, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector Capital Accounts LLC contacted me on XX/XX/2022 by mail for medical bill of XXXX. However, I never visited this urgent care and I contacted the debt collector to mail me the original debt, they never sent me the original debt. 

Instead, they hung up on XX/XX/2022 when I contacted them. They keep asking for my other information instead. 

The Debt Collector Address is Capital Accounts LLC XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: FL
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:
They closed my accounts with out my permission After making payments on time I had automatic payments for over 5 years Trying to payoff the remaining balances and CITIBANK HAS REFUSED TO MAKE CONTACT

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 2021-03-10
Company: FIRST REPUBLIC BANK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was solicited to purchase shares of stock in XXXX XXXX ( NASDAQ : XXXX XXXX by the broker XXXX XXXX XXXX on XX/XX/2020. 

XXXX XXXX XXXX instructed me to transfer the cash for the purchase to their account with XXXX XXXX XXXX through their account with First Republic Bank. 

Since that time, I have become aware that XXXX XXXX is a fraudulent bucket shop. Evidence is here : XXXX XXXX XXXX I have also become aware that XXXX XXXX  XXXX is engaging in fraud.Here is the evidence of the fraud : XXXX XXXX XXXX XXXX XXXX //XXXX XXXX XXXX XXXX So I am now reporting to you that First Republic Bank is providing account services to a company engaged in securities fraud : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX The account is with First Republic Bank, XXXX XXXX XXXX, XXXX XXXX, CA 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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX XXXXor me, and I sincerely hope for a swift resolution.

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 2023-03-22
Company: AMERICAN EXPRESS COMPANY
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:
i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation