BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, unauthorized charges were charged to my Wells Fargo checking account. I called as soon as I noticed two charges were made of {$700.00} and {$800.00} that same day. I opened the claim with Wells Fargo and waited until XX/XX/2023 to call to see if I would be given a provisional credit while I waited for the dispute, since I had still had no response from Wells Fargo since XX/XX/2023. When I checked while on the call with a representative, I seen my claim was now closed on the Wells Fargo app. I was transferred from one representative, to the one handling my claim where she then decided to tell me that it was closed and to wait 2-5 minutes to give me an explanation why. Her explanation, upwards to 10-15 minutes later, was that it was denied because there was no failed pin attempt on one charge and because the other charge was through XXXX XXXX She said a letter was sent out XX/XX/2023 stating the denied claim, however I wasnt notified XX/XX/2023. I cant get an email stating why it was denied through Wells Fargo.

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 2023-11-30
Company: ZWICKER & ASSOCIATES
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ZWICKER & ASSOCIATES, P.C. a debt collector is claiming inaccurately a debt i am not contracted with. 

I have sent letter certified mail with return receipt to ZWICKER & ASSOCIATES, P.C. to dispute the erroneous collection, There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you they the XXXX in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you reporting to various credit reporting entities. 

They have caused me severe harm and XXXX to me and my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
CIT IRA Department. 

After several calls to customer service regarding my RAMP up IRA CD one time increase and being told no increase available, even after 3 Federal rate increases. I asked to take to a manager. 
Speaking with a supervisor XXXX XXXX yesterday ( XX/XX/2018 ) XXXX said that marketing had no intention on increasing the rate on my Ramp up IRA CD. I was told I not the only customer calling to complain about this. My option was to break the Ramp up CD and increase the term with a 13 month CD. At this point I dont trust this CIT Bank for this Bait and Switch option.

I told him this was wrong and I cant believe his CIT bank is not living up the terms of the Ramp up IRA CD with a cap of 2.49 %. My IRA CD Raise your rate with XXXX XXXX  was increased in XXXX from 1.25 to 2.50 %. 
I researched the these Banks thru XXXX. I think I should copy this letter to XXXX and Consumerfinance.gov/complaint. 

I would like to hear back from you this week with increasing mine and my wife 's Ramp up CD to current interest rates ( above 2 % ) not 1.26 % for the last 14 months and to finish out the current term or allowing me to transfer both IRA CDs to a more competitive bank without a penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Tuesday, XX/XX/2019 at XXXX XXXX, I attempted to deposit 3 checks totaling {$2500.00} into my checking account at US Bank at their ATM machine at XXXX XXXX XXXX, XXXX, CO XXXX. The ATM machine took my debit card and the checks, but never completed the transaction. The machine shut down, then restarted, but did not return my card or checks. The bank was not open, so I contacted a representative of US Bank by phone and gave her my information. She was going to open a dispute for me. I was advised to contact the bank when they opened at XXXX. I contacted the bank on Wednesday, XX/XX/XXXX, and was told by a bank manager that the ATM machine was opened weekly on Thursday afternoons. He said he would contact me and return my card when the machine was serviced. I was told I could not re-deposit the checks because they had been in the machine, but would be given provisional credit for the deposit. I received a call late Thursday afternoon, XX/XX/XXXX that my card had been retrieved, and I could stop by the bank and pick it up. I went to the bank on Friday afternoon, XX/XX/XXXX and was given my card. The bank representative who returned my card, XXXX XXXX, told me they had my checks and I should be receiving credit on Monday or Tuesday, XX/XX/XXXX or XXXX. I left a voice mail on Tuesday, XX/XX/XXXX when I had not received credit for the deposit or any communication from US Bank. My call was not returned by Thursday afternoon, XX/XX/XXXX so I went to the bank and spoke to XXXX. She assured me that someone was working on my dispute, but she contacted someone in the online banking department who told her my dispute was rejected. She was very apologetic and says this has never taken this long, but that someone would call me on Friday, XX/XX/XXXX to get more information. I have yet to be contacted and have not received credit for the deposit.

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 2021-12-06
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX, 2021 I received an email at XXXX XXXX  est stating that my account was charged a {$36.00} overdraft fee. At the time my account sat at a - {$0.00} balance. No overdraft fee is triggered until the account is {$5.00} overdrawn. The bank decides which transaction to authorize and which to refuse at their own discretion, according to the agent I spoke with. So PNC Bank decided to authorize a {$5.00} transaction on an already overdrawn account, which allowed them to charge me {$36.00} because I was over the overdraft limit. It appears that PNC intentionally authorized a withdrawal on an overdrawn account so that they could deliberately push my overdraft amount past the limit of being exempt from an overdraft charge, so that they could charge me {$36.00}. Additionally, the email I received notifying me of the overdraft was sent outside of business hours as was the time of the overdraft fee being charged, which I received 30 mins later. I was not given timely notice which would have allowed me to make a deposit, covering the {$5.00} overdraft. This appears highly unethical I would like the {$36.00} overdraft fee removed so thank I may make a deposit to cover the outstanding overdraft amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
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 XXXX Account # 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

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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/2021 I mailed a certified letter to Trans Union requesting proof of verification. In this letter I clearly stated this is not a dispute simply questioning how Trans Union verified this particular account. 

Trans Union responded with a letter my investigation results. The letter states investigation results verified as accurate the disputed item was verified as accurate. 

I would like Trans Union to provide proof of how they verified this particular account and provide me with contact information on who they received the proof from. If this account is unverifiable I would like trans union to remove this account and send me an updated copy of my credit report. 

Attached is a copy of the certified mail receipt also the letter that was mailed directly to Trans Union also train unions investigation results letter.

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 2023-11-30
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I sent a letter to your company via mail regarding an account that I have with your company. I am only submitting this through CFPB as another form of communication because I have not heard back regarding the late payments on my account. I have been a loyal client since XXXX and I really appreciate our business relationship. Please see the attached letter that was mailed on XX/XX/XXXX. I really hope to hear a favorable decision from Arvest Mortgage. The account in question is ARVEST MORTGAGE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
The unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Bankruptcy Case Number : XXXX ; 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 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 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 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 explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX  cash app processed a transaction in the amount of {$75.00} as an ATM withdrawal and charged me a XXXX ATM fee. This transaction was done at XXXX which is a store. The charge was {$70.00}. The merchant charged me XXXX dollars to use my debit card but then cash app turns around and processes the transaction as an ATM transaction when it was not according to cash app. The transaction was a ATM withdrawal at XXXX XXXX  which it was not. Ive provided them the receipt and I have attached it here. I need a phone call from the company not emails and I need my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
** This is not a duplicate complaint** Westlake Financials Services received a affidavit of truth and a cease and desist letter on XX/XX/2023 Westlake financial services violated 12 CFR 1026.4 ( B ) ( 8 ) which talks about premiums for insurance against loss or damaged property. The GAP insurance on the retail installment contract is not included in the finance charge. Westlake Financial Services violated 16 CFR 433.1 ( f ) which mentions what a " contract '' is and that is between the seller and the creditor. The retail installment contract that is linked to account number XXXX is not supposed to have our names on it therefore there should be no obligation to pay since XXXX XXXX XXXX was already paid on this contract. Westlake Financial Services violated 12 USC 83 which states no association shall make any loan on its own stock. Westlake Financial Services violated Texas title 4 subtitle A chapter 302 ( b ) which states the maximum amount interest that can be charged is 10 %. Any rate above 10 % in the state of Texas is considered usurious. On account XXXX we are contracted for 11.99 %. We were not made aware of our rights.

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 2023-07-01
Company: EQUIFAX, 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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
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:
Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$590.00}.

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 2017-07-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2013 my wife and I moved out of XXXX XXXX XXXX after successfully completing our 8 month lease. Recently while attempting to qualify to purchase a home, we were informed that there was a collection account on XXXX of our credits that was derived from our lease with XXXX XXXX XXXX. Somehow after we moved out there was either a miscommunication or a huge mistake on someones part because we left XXXX XXXX in good standing. We had no idea that we would have this account in collections because we were never informed that we owed anything to XXXX XXXX. The collection agency that owns this " debt '' is ProCollect out of XXXX TX. When we submitted a request for proof of debt from ProCollect, they mailed us paperwork that included entirely false information. They claim that we owe {$320.00} from an outstanding balance with XXXX XXXX, however, their paperwork does not match our original paperwork. Thankfully we have held on to our deposit receipt from our move-in to XXXX XXXX which shows that we paid a much larger deposit than what ProCollect is claiming we paid. ProCollect claims that we paid a {$500.00} deposit, however, our deposit receipt states that we paid a {$980.00} refundable deposit. The information that ProCollect sent us is absolutely false and manipulated. We have gone to XXXX XXXX in person and they validated that the deposit receipt we have is authentic. We have also attempted to contact XXXX XXXX numerous times which was who managed XXXX XXXX when we lived there. We have not been able to get in touch with XXXX XXXX but we are certain that they would also agree that ProCollect is being deceptive in their attempts to collect this " debt ''.

Company response to consumer: Closed with explanation