BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing this asking for help to get my $ XXXX dollars back which Well Fargo bank took away from my bank account by mistake. 

My wife deposited a cashier check of $ XXXX to our Wells Fargo checking account on XX/XX/XXXX and our balance increased by $ XXXX as supposed to be. However, on XX/XX/XXXX, Wells Fargo deducted $ XXXX from our account saying " Mobile Deposit Check Posted Twice ''. Per the conversations with Wells Fargo multiple times, they said they saw duplicated deposits on both XXXX and XX/XX/XXXX ; however, our bank statement doesn't have any transactions on XX/XX/XXXX and my balance NEVER went up to {$40000.00} which WF agreed. I am attaching screenshots to show our bank transactions - it shows no activities on XX/XX/XXXX and only {$20000.00} deposit in XXXX with our balance increased {$20000.00}. However, on XX/XX/XXXX, my account was deducted {$20000.00}. I am losing $ XXXX. 

It's been 13 days since this happened. We have spent hours talking to the bank multiple times but there is no progress on this issue. It caused trouble to our daily life ; We need money to pay bills ... so we have to write a complaint here to hope with CFPB 's help, WF will look into this more carefully and have this resolved ASAP. 

A little background I should explain here. We did make a mistake and deposited this check again to our XXXX account on XX/XX/XXXX ( I didn't know my wife had deposited this check 3 months ago to WF and I saw this check in an envelope and made a deposit to my XXXX account on XX/XX/XXXX ). We received XXXX letter that this check was returned and unpaid. This should be correct and we are expecting {$20000.00} back to our WF account ( I am attaching my transaction here on my XXXX account with {$20000.00} in and {$20000.00} out ). However, when we explained this to WF, WF just kept saying it's because of duplicated deposits happened both on XXXX and XX/XX/XXXX. 

We can not send any documents to WF and we don't know how to explain to WF anymore. So Please help us to get our money back.

Questions to WF - Can WF allow one check deposited twice? WF admitted 'it 's a system error ', but we NEVER seen that 'duplicated ' transaction in our statement and the duplicated $ XXXX has NEVER been added to our balance. Can WF just deducted the amount they thought it's duplicate 3 months later without showing us any evidence? Also, can WF deduct money from our account for a cashier check?

This made us worried and stressful!!

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 2021-01-14
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector represents an inactive debt and is duplicate reporting. XX/XX/2020. XXXX XXXX XXXX. {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: John C. Heath, Attorney at Law, PLLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received an email threatening legal action about a payloan I never received. 

From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXXXXXX XXXX  To : XXXX XXXX XXXX Subject : Immediate Attention Required ( Lawsuit ) Importance : High This is the final notification regarding your loan account with XXXX  XXXX XXXX. 
Loan Account # XXXX Due Amount- {$1000.00} Settlement Amount- {$500.00} ( Till XX/XX/2019 ) We already contact you several times regarding your unpaid loan account but failed to receive any response from your side. 
As of now, we are ready to file a lawsuit against you and report this to major credit bureaus and also inform IRS regarding this lawsuit. 
You will have to face severe consequences like : 1. You might be immediately sacked by your employer as they will be notified. 
2. Your credit will be ruined. 
3. Your wages can be garnished. 
4. Your bank accounts/credit cards will immediately freeze. 
5. IRS will put a hold on your Tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had a checking account with Citizens Bank that I opened in XXXX when my daughters were in College. My name and my daughters names were on the account. My account and my XXXX  daughters account were joined in the sense that they had separate totals in their accounts as did I. When that account was opened supposedly I was told if the total amount in the accounts fell below {$20000.00} I would be charged fees. Since that account was opened, my daughters have withdrawn their funds and opened their own account with their now husbands. The last transaction being in XXXX. Since that point in time, I have received no bank statements from Citizens Bank and they have been charging me {$20.00} per month as a dormant fee because my total amount minus my daughters two accounts has fallen less than {$20000.00}. I have been charged {$1400.00} in dormant fees with no correspondence from Citizens Bank. This was an account that was liked to an Equity Line that I used to pay my Childrens College Tuition as well. My last child graduated from College in XXXX and the Equity Line has been paid off since XXXX. I had left more than {$17000.00} in that account which Citizens  has been chipping away at with no correspondence at all. I found this all out when I happened to receive a text stating there had been fraudulent activity on my Citizens account. There was no fraudulent activity other than Citizens Bank taking ( stealing ) my money without notifying me. Their answer to me was when I opened this account back in XXXX I was told that there would be fees if the total amount fell below {$20000.00}. At XXXX my memory is just not that good. They stole my {$1400.00}. Is there any recourse? Thank you for your attention. I do not do online banking ever!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX Funding Acct # XXXX ( partial ) I have reached out to XXXX in regards to Acct # XXXX ( partial ) directly to ask for sufficient proof and never received any information. I used all ( XXXX ) credit reporting bureaus to get sufficient information resulting in XXXX deleting XXXX  Funding Acct # XXXX ; It has been ( 30 ) days I have not received anything from TransUnion or XXXX. What is the difference between the information XXXX have from the others to delete the account and the others did not delete with accordance to US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: NC
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XX/XX/2021 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
According credit reporting act this creditor has violated my rights under 15 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states consumer reporting agency can not furnish account without instructions Under 15 USC 1666B may not treat a late payment on a credit card account under an open and consumer credit for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX I applied for a capital one Walmart credit card to receive the 5 % cash back rewards at Walmart .... I have an XXXX XXXX XXXX and earn close to $ XXXX a year ... All of this is in my application for credit. 

They approved me for only {$500.00} which is not only very low, but also not conducive to my credit worthiness and income... The credit limit is so low that it actually hurt my credit score MORE THEN it helped by opening this account. 

You see, typically your utilization rate decreases when your overall credit limit is increased which nets a positive impact on your credit score .... However the inquiry offsets that positive with a negative .... In this case, that inquiry 's negative impact was greater than the positive impact solely because of this incredibly low limit. 

I tried to reach capital one about it and apparently they can not even find me in their system, i have attached a copy of their letter to me stating this... So no resolution can be found with them under current conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00}

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 non-monetary relief
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: PA
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:
My score was XXXX noe its XXXX and I want to know 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 2021-06-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They didnt accurately answer my request about validating this debt they claimed I had with the them. They sent me a simple bill that anyone can create at their house so of course in todays day and age I will question it. I asked for proof, anything they had bearing my signature. They couldnt provide anything. They couldnt provide any proof that they even owned this debt they claimed I owed them. They re-aged the Date of last activity with the bureaus so that my account would take longer to fall off. I checked my credit report today and realized they havent even noted that the account is in dispute. I feel as if I am in a corner with no other options left.

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 2023-11-23
Company: SUNRISE CREDIT SERVICES, INC
State: PA
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:
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 U.S.C 1681 sunrise credit service XXXX XXXX XXXX XXXX XXXX XXXX XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I mailed out a dispute on XXXX XXXX to credit reporting agencies about inaccurate information reporting on my consumer report. After 30days I received no response called the agency and was told by the rep they did not received the mail. I have proof of the certified delivery. I feel this is an attempt to not resolve my complaint which is failure to comply to my request. In accordance with the Fair Credit Reprting Act the you are in violation of 15 US Code 1681 section 604A states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal law overrides your company policy and I never gave you permission. 

XXXX # XXXX delete account XXXX  Account # XXXX delete account XXXX Account # XXXX delete account Inquiry XXXX XXXXXX/XX/21 delete

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 2019-12-06
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to the original creditor after adjustment by insurance company. Credit Control Corp was never involved and are attempting to defame my profile with XXXX, XXXX, and XXXX  credit bureaus with extremely malicious intent. 

This is evidenced by the recent erroneously and incorrect " XX/XX/2019 update to my XXXX credit file '' for an account ( Re : Acct. # XXXX ), that is/has been paid in full! I have already attempted to remedy this situation with Credit Control Corp to no avail ... .as they continue to criminally defame my character by passing erroneous, malicious, and incorrect information. This inaccurate information SHOULD HAVE BEEN VERIFIED through my two previous attempts to rectify this situation. However, Credit Control Corp continues to persist in this defamation attempt. 

If this continued attempt by Credit Control Corp to defame my character through the passing of erroneous information causes financial harm and ineligibility of me to purchase a new home, I will not stop my pursuit of accountability for their actions. I will pursue ALL legal avenues to remedy this issue pursuant to my rights under the FCRA and through my lawyers advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
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:
On Monday, XX/XX/2021 my wallet was taken from my vehicle without my knowledge. I was not aware that my wallet was taken until I received a text message on XX/XX/2021 from my primary bank XXXX that unusual activity had been detected on my card. Soon after I received another notification from Chase that unusual activity had been detected on my account. I immediately got in contact with every financial institution I have a relationship with to cancel my credit cards. I also filed a police report that same day XXXX XX/XX/XXXX XXXX. XXXX reversed the charges immediately. XXXX also reversed all charges. I informed Chase on XX/XX/2021 that my wallet, including my Chase Slate card ending in XXXX had also been taken. 

The disputed transactions include a {$500.00} charge at XXXX XXXX in a city that I do not live in. A {$180.00} charge at XXXX in a city I do not live in. And an {$18.00} charge at XXXX in a city that I do not live in. All these purchases were made on XX/XX/2021. The time of the purchases is not printed on my statement. 

On XX/XX/2021, I received a letter from Chase stating that a fraud team had reviewed my claim and that the charges would be reinstated because they were valid. I was never contacted by any Chase employee or agent during this first investigation. I called Chase as soon as I received the letter to inform them that their conclusion was in error. I was directed over the phone to send supplemental information to an email address with my name last 4 digits of the card number and any supporting documents. Along with the information they requested I sent two police reports that I filed on XX/XX/2021, screenshots of the usual activity notifications that I had received from Chase, XXXX, and XXXX ; and the notice of Fraud on my accounts that I filed with XXXX  on XX/XX/2021. 

On XX/XX/2021 I received a second letter stating that the transactions were valid and reinstating the charges. I was never called for this second investigation and I was never informed that the documents I provided were insufficient to establish my claim. This second letter also referenced an incorrect account number. On XX/XX/2021, I sent a letter via XXXX to Chase notifying them of their obligations under Fair Credit Billing Act and laying out in detail the nature of my claim and sending additional supporting documents such as a bill to replace my driver 's license that was taken along with my wallet, resolution of the dispute in my favor with other institutions, text message communications with my landlord on the day XXXX found out that my car had been broken into, my location on XXXX XXXX  on the day of the purchases, and other documents supporting my fraud claim. 

I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: GreenSky, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED XXXX CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY XXXX  CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( XXXX ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT XXXX   CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation