BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Way back in XX/XX/XXXX, I Contacted PNC Bank concerning Unauthorized charges, PNC never conducted a proper investigation. I requested the steps and specifics concerning the investigation they claimed to have completed, PNC Bank refused to provide that information to me. 

I Filed complaints on XX/XX/XXXX another on XX/XX/XXXX, PNC Bank did not respond with the information requested alternately, danced around the crux of my complaint. It has been over 3 years and PNC Bank still has not provided a proper response. Apparently PNC Bank feels time heals and forgets, as now they come at me with an offer to pay off or settle for 20 % of what PNC Bank alleges I owe. The low offer itself is a testament PNC Bank is aware how weak their claim is. 
SEE CASES # XXXX, XXXX & XXXX This debt is not my responsibility plus PNC Bank has given up any legal right when they decided to ignore rules and regulations by not acting in a timely matter, not conducting the proper investigation and numerous other procedural shortcuts they decided to take from my previous issues. 

Additionally, I am requesting a Cease and Desist from PNC Bank or any Collection agency they fraudulently attempt to sell this JUNK debt to in the event PNC Bank does sell this debt to a collection agency which would be another direct violation. 

This letter is in response to the many correspondence I have been receiving from PNC Bank. 
ORDER TO CEASE AND DESIST ALL COMMUNICATIONS : According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call or contact me in any way at home, at work, on my cell phone or at any other location.

Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2.

I am keeping accurate records of all correspondence from you so if you continue to contact me I will hand this over to my attorney XXXX  XXXX  of XXXX, XXXX, XXXX  XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days and still have not received anything back from XXXX and Experian. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my 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 2021-06-06
Company: EQUIFAX, 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:
I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Coinbase, Inc.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I made an account with Coinbase several years back when it was within there terms of service for a XXXX year old ( XXXX ) to become a member. Come 2 years later ( XXXX ) when I am now XXXX I logged back into my account to purchase bitcoin. I even got a joint bank account for such said purpose. I was able to transfer XXXX dollars from my bank to bitcoin and ethereum with no problems and without ever having to scan in any form of id ( drivers license, etc. ) A few days later ( 2 weeks ago ) I  edited my information to include my birthdate and then got an email from Coinbase saying that under XXXX year olds could not participate in their service. I think I am entitled to convert my bitcoin into usd and send it back into my bank account using their exchange as no id was initially required and I was not informed of the XXXX change. If I try to change my bitcoin into usd using another method I could literally lose half of my invested money in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of 2019 I received a letter from ERC collections saying that I own {$1200.00} to XXXX XXXX. 

I called XXXX XXXX to verify the account number on the collection letter, XXXX, but they would verify the debt as the SSN and Phone numbers ( mine ) Didn't match the account. 

I went to ERC 's site to enter the account number and 'last 4 ' of SSN to look at the 'account ' but they to do not have the correct SSN. Further there is not way to pay the bill on paper. I question if the whole situation is fraudulent. 
At this point I do not understand how : 1 ) XXXX  XXXX  allowed an account to be opened against my name without i-Matching SSN ii-Form of Payment iii-Validation of My name against address on file 2 ) The collection agency is linking my name to an account with a different SSN on file Police Report File with XXXX Police Department, XXXX Ohio : XXXX I already have a fraud alert in place as this has happened recently with another company, XXXX, where a fraudulent cable account was created in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX - every time I overdrafted my account on accident or had an auto pay bill come out that overdrew my account, Wells Fargo would charge the offending bill first, then other charges from the same 2 day span and charge me three to four overdraft fees in one go. They would only waive {$140.00} in overdraft fees per year, and I was easily getting {$500.00} or higher in overdrafts per year because of what they were doing. 

These days, they just return the transactions. But nothing was ever resolved from the unjust overdraft fees before. Im a low income, XXXX XXXX single parent with a XXXX XXXX  child. I cant afford the overdraft fees and am still reeling from them. Account is now closed but theyve done it to my current account once or twice too.

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 2019-03-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian and XXXX are reporting wrong type of BK # XXXX on my credit report ... Back in 2009 I did file for chapter XXXX which was discharged and statute of limitations for this type of BK is 7 years.This BK aka public  record should not be on my credit report because 1 ) it is a chapter XXXX not a XXXX 2 ) it has been 10 years since filing date, both Experian and XXXX have different dates both of which are incorrect. 

3 ) I attempted to dispute this with Experian over the phone - agent was very rude and refused to take my information keep directing me to their website which would not let me access my own report. When asked for supervisor I was put on hold for 28 minutes after which my call got disconnected on purpose. I then wrote two letters with no response from Experian .... I called today they claim not to have any record of me sending the dispute but I do have a copy of the certified mail sent to them on XX/XX/XXXX and XX/XX/XXXX. 

XXXX  website is non responsive and does not allow for disputes to be filed, I disputed over the phone mailed and faxed in supporting documentation with them returning saying that creditor - the court has verified the accuracy. I contacted the court who stated they do NOT report or verify with bureaus. 
I contacted XXXX XXXX now, who stated they do NOT have public record reported on my credit file to any of the bureaus at all.. then who are they verifying this info with then.. this is a lie after lie and a violation of F.C.R.A I prepared my complaint to FTC as well as Attorney Generals office if this BK is not removed from my credit report immediately and accordingly

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 2018-05-15
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am the sibling of a person who owes a debt to this collector. The collector is using skip tracing to locate family members and is calling harassing us for the whereabouts of the person who owes the debt. They have repeatedly called my home number. There is no way possible my sibling has this number listed to them as a reference because he himself does not know it. I have asked that they not call only to turn around ten minutes later and receive another call. They should be addressed for improper debt collections methods. They should have recorded calls with me for XX/XX/2018 @ XXXX advising them that they should not be contacting me regarding a debt and I don't have an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX. requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2019-08-14
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY IS REPORTING A COLLECTION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME I HAVE SENT A NUMBER OF DISPUTE ASKING THE COMPANY FOR PROOF SENDING IT CERTIFIED AND THE MAIL HAS BEEN RETURNED TO ME AND THEY HAVE FAIL TO RESPOND PROVING ME ANY PROOF THAT THE COLLECTION BELONG TO ME THIS COMPANY IS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT WHICH HAS HURT MY ABILITY TO GET CREDIT FROM OTHER COMPANY ALSO PREVENTING ME TO OBTAIN A JOB KEEPING ME FROM PROVIDING FOR MYSELF PLEASE LOOK INTO THIS COMPANY THEY ARE REPORTING ACCOUNT AND THE CREDIT REPORTING AGENCY ARE ALLOWING THEM TO REPORT THE INFORMATION EVEN IF IT DOES NOT BELONG TO THE CONSUMER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 ( and XX/XX/XXXX ) I was sent 2 payments ( {$690.00} each ) by the Social Security via direct deposit to my Chase checking account ( XXXXXXX ). Unfortunately, the attendant wrote down the account number incorrectly. After not seeing the deposits in my bank statement, I called the SS and they acknowledged that two payments were transferred to Chase. Next, I called Chase customer support and they responded that they dont have any knowledge about transfers from the SS.

Caught in a limbo, I decided to drive to the SS offices in XXXX, to speak directly with the attendant. Following another verification of my data, it was revealed that the account number was incorrect, and we corrected it. At that point I asked to mail the following checks to my home address ( not to the bank ). These payments arrived on time, as expected. 
By the end of XXXX, after repeated calls to Chase customer support, I was advised to call the claims department ( a number not published on the website ) and filled for an inquiry, explaining that the account number used by the SS was incorrect. They said theyll investigate that, yet never got back to me. 
A new visit to the SS offices revealed that one of the two checks bounced back to the US treasury, while the fate of the second check remained a mystery. In XXXX, I called the Chase claims department again and filed a new inquiry. Two days later, they got back, telling me that the check had been deposited into another account and the claims department has completed their instigation (??? ) Unsatisfied with this answer, I asked how could I retrieve my money. They advised that the only way was to go to my branch and authenticate myself. I did so and after the clerk tried repeatedly to find ways to retrieve the deposit, she told me that she is incapable of performing it. 
A new call to the claims department ( once again explaining the whole saga ) didnt help. I asked to speak to the supervisor who responded : why did you wait all this time? and that nothing further could be done. 
My questions : 1 ) Why was one check sent back to the treasury while the other ( with a similar wrong account number ) was deposited into a different account? 
2 ) Beyond the flawed customer support we have no knowledge of any direct deposits from SS on XX/XX/2018, the Chase claims department concluded their investigation. What does it mean for the customer? It is the bank responsibility to retrieve that money! 
3 ) After such a long time, Chase needs to refund my money immediately. It is inconceivable that there are no ways of recovering it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After being unable to get any resolution with XXXX, I filed a dispute with my bank, Ally, regarding the charge on XX/XX/2018. I filled out and returned all paperwork requested immediately and the charge was reversed on my account. Out of nowhere, with no notice, three months later on XX/XX/XXXX the charge was reversed overdrawing my account. On top of receiving no notification via mail, email, or online in my account for this reversal ( again this is 3 months after dispute ), I was charged a {$25.00} overdraft fee on s {$5.00} check to the church which I obviously would not have written had I known my account was going to be negative from a dispute that I believed to be handled three months prior. After the bank reversed the credit I attempted to contact XXXX several times and upon no help from them filed a complaint to the XXXX, but XXXX says they cant do anything because theres a chargeback case with financial institution ( ally ) so they cant talk to me and bank needs to handle it. Very shady dispute practices to reverse credit with no warning and Ive still received no communication about it after 3 months and then charge me an overdraft fee on a {$5.00} check the same day you reversed the dispute with no warning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged on numerous occasions for overdraft fees from my checking account, DESPITE the funds being available in an associated savings account, which i requested multiple times be used. I have also been charged overdrafts because of Wells Fargo delay in tracking purchases and deposits which creates the overdraft in the first place by providing inaccurate balances. 

This is not an exhaustive list, but dates and amounts include : XX/XX/XXXX {$190.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$68.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$92.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$37.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$45.00} I consistently reached out to support asking for this to stop and demonstrating adequate funds in my savings account at the time, but instead they chose to continuously steal money from me every 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 explanation
Consumer complaint received 2021-02-04
Company: TD BANK US HOLDING COMPANY
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Chapter XXXX Bankruptcy. The Account Opened is Chapter XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Chapter XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank Target Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( Experian, XXXX 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 explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: MO
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:
XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( XXXX, XXXX and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: CHALLENGE FINANCIAL SERVICES
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Challenge Services send me a subpena in which i replied in a time in a timly matter with the court and send them a registered letter, and they are using the tactic of not received the reply in a timely matter to get the court to get a judgment against me. 

Plaintiff : Challenge Financial Services XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph XXXX XXXX case # XXXX Defender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: WELLS FARGO & COMPANY
State: LA
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:
In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a Wells Fargo credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Contact numbers provided on the mortgage statement and website are non functional. Unable to contact company in regards to closing a potential offer to buy the house.

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