BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Today XX/XX/2023 I went to Citizens Bank ( XXXX XXXX XXXX XXXX XXXX MA XXXX ) to withdraw {$400.00} from my checking account. Upon completing the transaction, the ATM gave me my card back and immediately shut down. I waited in line to be told by the teller the money was taken from my account and there was nothing he could do. I then spoke with the banker XXXX XXXX XXXX ID # XXXX and he said " what would you like me to do about it ''. I replied " Ive never had this happen before? ". He then instructs me to sit while he begins to file a claim. After he finished he said " The ATM has been doing this for the past 4 days, but its not our problem. They company responsible for the machine will be in to fix it tomorrow. I don't even have access. '' Which I know is false information, because at my home branch in, I once left my card in the machine after finishing the transaction. Later that same day the banker was able to retrieve my card without any hesitation. XXXX was finding any excuse not to do his job. I am still waiting on the funds to be deposited into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive been trying to set Up my XXXX account for my apartment, due to covid money is tight and this is the only way I can Pay rent on time right now. My account says Pnc isnt letting me connect my account so this needs changed or unlocked or something

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TD BANK US HOLDING COMPANY
State: NY
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:
TD bank is reporting fraudulent information on my credit report. 
I DON NOT HAVE A CREDIT CARD and I NEVER DID. 
Someone has been using my personal info for almost 8 years since 2004. 

I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. 
The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment. 
I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA. 

A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. 

This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt. 
- Balance claimed including all fees, interest and penalties. 
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). 
- License proof to collect debts in my state. 
- A credit agreement signed by me and you. 
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. 
- Copy of my NYS Photo ID which is required to open this type of account. 

This letter is your notice that I dispute the above referenced debt. 
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. 
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Zakheim Law Group, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Total amount owed is of {$4400.00} from XX/XX/2021. My identity was stolen back then and I did notify the bank about it and nothing was done. My debt was sold to a company. which I do not have a contract with and I am not familiar with the amount they are charging. I have no information on this charges and why this is still showing in my credit report when I notified the bank long time ago about this.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS IS THE THIRD TIME I HAVE REQUESTED THE REMOVAL OF ALL INQURIES THAT DO NOT HAVE MY SIGNATURE AS STATE IN THE FCRA LAW??????????????

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 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The Chase identify verification conundrum - Why I left Chase Closed all my chase accounts too much time wasted, and they cant verify my identify. I've been a customer for over 10years. 

The problem : Chase dont have my cell phone number on file, and they wont accept it even if I give it to them for the OTP, so they cant verify me - so DUMB It all started when I decided to move my checking to Chase ... 
Step 1 : Transfer funds from my existing checking - BLOCKED, pending identity verification Step 2 : Customer service Identify verification requested send OTP to Cellphone, and no matter which cell phone number I provide in the household they cant take it. 
Step 3 : They ask me to go to branch, I did, they still BLOCK the transfer - ask for proof of funds by showing my bank account on my phone, I refused for privacy reasons ( ludicrous - they can ask for it ) Step 4 : I asked to close all my Accounts ( all credit cards ) Step 5 :  They completely block me out - Lost access to online access : " We locked your account to protect it from suspicious activity. '' -- I still wonder what was suspicious about a long time customer when their own process cant verify me as a customer. 

BTW : I tried one more time 3 weeks later -- for online access so that I can pay off my balance and move on. I went through the same steps 1 thru 5 above Chase is so DUMB -  they cant verify identity of their own customer. 

I sincerely hope they can fix this for others. I am now a loyal XXXX customer -- Same process piece of cake, 10 mins and I was done, which took over 20hrs with Chase and I still was unable to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Good afternoon, I was banking with Wells Fargo and I just recently had an issue with my bank account that someone deposit a check of {$6900.00} in my account ( XXXX XXXX XXXX and that was the cause of the closure with my account. That same day I did get my check from work deposit from XXXX XXXX XXXX  that was {$1300.00}. I did speak to loss prevention about the activities that were made in my account and did a report that I didn't deposit that check in my account the {$6900.00}. Every since I haven't had no answers of my check that was deposit in my account of {$1300.00}. I had spoke again to a loss prevention in regards of the check I got deposit from my job if I willl be receiving it through mail and they told me to contact them XXXX XXXX XXXXXXXX once the account is close they will see if I had any funds available. I Called again to Wells Fargo loss prevention and I spoke to someone els today and told me they didn't see anything about my check that I got from my job and will send out an email and to just give them back a call again XXXX to see what will happen. Im honestly tired of hearing different answers from different people. I just want whats mine. I get paid every XXXX and XXXX I have been almost 18 days that I haven't had any money on me. until barely yesterday that I got paid. which its making really tight money wise because I pay rent, bill, my car and etc... I hope someone can help me with this situation im going through all I ask is to just get back whats mine from my deposit I got from my job.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX Balance : {$260.00} 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 explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this, day over 70 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Old information reappears or never goes away

Complaint:
I am submitting this complaint because student loan keeps reappearing on my credit report. This reoccurrence has been going on since 2018. I have submitted numerous police reports, FTC reports, affidavits over these XXXXyears and these accounts keep being allowed to be reappear. If the bureau look into my account, these accounts are removed and blocked and then reasserted under a different name, but same department of education umbrella every few months. 

I do not now, nor have I ever had any financial obligation to these loans. The department of education have also sent in letters to each bureau, confirming these accounts to not belong to me. There is no legal proof of validation, just continuous reassertion for years. 

These accounts are now hindering me from pursuing future financial business and personal venture as it appears I'm heavily in debt when I am not! please remove and block the department of education/OSLA/Oklahoma Student Loan Authority . For the % th time i will attached a XXXX police report/ftc/identifers

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a section 2 ; it also a state consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section state : 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 crime 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 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 2020-06-17
Company: Experian Information Solutions Inc.
State: NY
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 notified Experian of fraudulent accounts and was told to send again identification and ss which I already provided, so please see attached AGAIN FTC and copy of ss and identification for the second time

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 2021-04-16
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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 following accounts : XXXX XXXX XXXXXXXX, has violated my rights. They have not provided me with the original contract from XXXX that shows proof I have an account or contract for this debt. This account is a charge off asking for paid debt to be repaid. I did not validate this account to be on my credit report. 
15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently obtained a credit report and discovered that the three credit reporting agencies, XXXX, TransUnion, and XXXX, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, TransUnion, and XXXX. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, TransUnion, and 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 2018-07-11
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced with Mr Cooper rolling our first mortgage and second mortgage together paying off all our credit cards and other debts. We also had about {$40.00}, XXXX cash out on the loan. During the closing process we asked about a couple things that they said they were going to be paying off. One was a credit card that did not belong to us it belongs to my husband 's boss totaling over {$5.00}, XXXX. Then there were five checks made out to pay my school loans but they were made out to the incorrect company. We closed on XX/XX/XXXX, I called on XX/XX/XXXX to get them corrected. They dispersed funds on XX/XX/XXXX but still made the checks out incorrectly. I've attempted to contact them numerous times not being able to reach people half the time and being transferred to various people. It has now been over a month and I still am not getting any resolution on this. We are out more than {$7.00}, XXXX and feel like we are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXX. XXXX Date Opened XX/XX/XXXX 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 non-monetary relief