BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I had a previous auto loan contract for a defective Certified Pre Owned car that was in an undisclosed vehicle accident prior to be listed for sale and falsely certified as a Certified Pre-Owned car. I also had contract void issues due to the contract not being fully signed. Selling auto dealership refused to buy back the vehicle at time of original sale ( which was purchased out of state and online in XXXX while I resided in XXXX ). I had contacted financial provider, who refused to initiate a vehicle contract void, and used predatory practices to threaten me with damage to my credit if I did not continue to send in monthly payments. I did make all payments to the financial auto loan servicer to protect my credit, and kept contacting dealership, manufacturer and financial loan provider to return car and refund money. I filed with the XXXX, XXXX Attorney General, XXXX Attorney General and used the dealerships own biased arbitration clause to exhaust all possible remedies to no avail. At the time of warranty being close to expiration and with over XXXX different warranty repair history and car still not free of defects, arrangements and notice was given to financial provider that car was going to be returned to the local authorized brand dealership due to car still having leaks, mechanical failures, engine issues that were not repairable. Instead, financial loan provider is reporting a false charge off to my credit reporting bureaus and had refused to refund my {$24000.00} plus {$8000.00} attorney fees. It is falsely reporting a negative account charge off and this is predatory and a violation of the Fair Credit Act. My credit needs to be in compliance with the Fair Credit Act, the loan provider is prohibited from using predatory and exploitation in credit reporting and retaining funds and demanding payments and refusing to void contract from the beginning. All payments were sent on time to protect my credit and I was told that the car was mine, and I was responsible even though it was not a Certified Pre Owned car, but was instead a previous collision vehicle that was falsely labeled as a CPO, when it had front end damage prior to sale, which the dealership concealed and sold the car anyway as a CPO, when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Recently in XX/XX/XXXX of this year we realized that we had been defrauded by a book keeper in our office. We intermediately filed a police report and pressed charges. From there we went to the banks and told them what happened and provided detailed information about the amounts, check # 's, dates ... .everything they needed to start their investigation. 

TODAY I received a letter that they have DENIED my claim and will not be helping me whatsoever recover any of this money. I thought this money was FDIC insured? 

Please help me..we are a small business with less than XXXX employees and are at risk of shutting down as a result of this massive theft. The amount stolen was over {$80000.00}. 

PNC Bank could have helped us recover up to {$50000.00} of this money but they have chosen to flat out reject my claims based on typical bank stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2016-03-15
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I disputed BARCLAYS BANK DELAWARE as a Fraudulently account. 
I sent them a Police Report & Identity Theft Victim Complaint and Affidavit to let them know that I 'm a victim of ID Theft. I notify all three credit report agency about this account.They have been remove from XXXX of the credit report agency. But on XXXX it 's still showing. So I call the XXXX Fraud Department about this account and they told me that BARCLAYS BANK DELAWARE said my name & SS is still the same. And I told BARCLAYS BANK DELAWARE that I am a victim of ID Theft. I disputed this account XXXX/XXXX/2016 with XXXX Account # XXXX they are the one I contact first about this account.And I contact BARCLAYS BANK DELAWARE on XXXX/XXXX/2016 and XXXX.I talk to XXXX about this account he stated that he need to talk to the officer about this account. This suppose to took place two week ago. I talk to him again on XXXX/XXXX/2016 he said the same thing that he said two week ago. And he were being disrespect to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello I have problem with coinbase company about a XXXX  transaction. I tried to contact the company but they don't answer my email and they dont have a number to call. On the XXXX XXXX in my coinbase wallet I sent some XXXX XXXX  from coinbase wallet to my XXXX  Wallet in coinbase.com. the transaction was approved but the funds never arrived. They told me that I cant send swap different currency. So I gently asked them to reverse the transaction but they told that they cant and my money are lost. They value of these funds now is XXXX XXXX 
The transaction hash is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Revenue Group Account : XXXX ; XXXX I not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts. Please provide the following : Method of verification Validation of Debt Assignment of Debt These accounts should not be place in dispute until any type of investigation. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit.

Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I opened a Regions Bank " XXXX XXXX '' Checking account in XXXX 2015. Part of the terms of that account was that they would reimburse XXXX out-of-network ( non-Regions ) ATM withdrawal fees per statement cycle. The have failed to reimburse me for XXXX transactions that I know of over the course of the last 6 months, and have tried to say that fees charged by the ATM are not the fees that reimbursement program is intended to refund, but rather, another Regions imposed fee that they reimburse for.

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 2016-04-30
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Where do I begin to express my dissatisfaction with PNC Bank and this company as whole, XX/XX/XXXX, I filed a complaint with CFPB, because PNC cross matched my address with my parents ' address, an address I never lived at and changed my billing information without my consent or contacting me to inform me and when I was attempting to use my debit card, my transactions were getting denied and then there customer service representative who were providing inaccurate information, informed me nothing was wrong with my account and attempted to convince me I was at fault, which was eventually proven a error on their part, and I am still tempted to sue due to the agony and embarrassment it caused in my life. PNC has also changed my name on my account without my consent or my request. Now falling in line with their unscrupulous banking practices as usual, the over excessive overdraft fees, they have billed my account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have XXXX checking accounts XXXX with them and another with XXXX XXXX XXXX, the PNC account is just a back-up account ; a auto payment was setup for a student loan payment in the amount of XXXX and scheduled XXXX/XXXX/XXXX and I was under the impression it would be deducted from my XXXX account, although information for both accounts is setup under my profile for my student loans. In error the payment was processed on the wrong account. On XXXX/XXXX/XXXX this transaction came through my PNC account along with another transaction for XXXX which was payment made on my PNC account. I had enough in my PNC account to cover this payment, because again, I was aware the this payment was being reflected to my account. I was thinking nothing was wrong, until I will reviewed my account on XXXX/XXXX/XXXX and saw these excessive overdraft fees billed XXXX {$36.00} fees on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$21.00} fee on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$7.00} XXXX/XXXX/XXXX, {$7.00} on XXXX/XXXX/XXXX and needless to say this is a student banking account opened in XX/XX/XXXX, so no telling how many poor students, they are taking advantage and maybe a Class Action Suit needs to be file against them like the one currently pending with XXXX XXXX XXXX for unfair overdraft fees and I 'm willing to start it, because I 'm fed up.Then today on XXXX/XXXX/XXXX, I requested to speak to a supervisor upon denial to remove any of fees and she purposely transferred me to the automated system, which was very unprofessional. Then, I called back again on the same evening and male representative, attempted to cover for the agent by being dishonest and saying she did n't leave any comments, then came back after placing me on excessive holds, that he was able to locate her name and escalated my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have two student loan accounts ( US DEPT. OF EDUCATION/XXXX  ) reporting on my credit file incorrectly. These accounts are not mine and I asked the credit bureaus to validate or remove them. They said the debts were verified and indeed belong to me. 

Either the same account is reported twice on my credit file which is a violation of the FCA or This account is a result of Identity theft. I have filed a report with the FTC and attached it to this complaint. 

I am curious to see how this account was verified. I would like the credit bureaus to send me the method of verification and any information received from the furnisher so I can add it to the file with the FTC so we can properly solved this issue. 

Also you seems to have received new information can you please provide that to me? 

Attached I have all the documents attached.

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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary

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 2022-03-22
Company: EQUIFAX, INC.
State: PA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Good day, I pay XXXX for several products through XXXX pay and it is through my credit card and the bank 's auto-payment system. 
So, the transaction in question is for XXXX XXXX payment made by the First National Bank XXXX XXXX XXXX ; it was made by the banks records on the XXXX amount XXXX this was for the XXXX. So, then XXXX and I found out i was charge two time for the same software and they reimbursed me that was posted into my account on XXXX XXXX, 2016 Now then when XXXX went to bill me for the XXXX music bill that was due they were turned down. this is what is at issue. I had the funds in the bank and yet First National Bank still does not understand what it is that happened. I do have a paper trail and screen shots and emails to this effect. i would like some one form the banking comis to look at the banking practices of this bank as there is something really wrong here if the bank ca n't understand something as easy as this trans- action and did not pay a direct payment yet, took the funds from my account as it is posted on my on-line banking statement.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: PA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.

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 2020-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I made a new checking account with Wells Fargo and was supposed to receive a {$400.00} bonus if I deposited {$4000.00} or more within 3 months of opening new account. I should have received it weeks ago and after multiple calls I have still not gotten it. 

- XX/XX/2020 New checking account created. I received an email from Wells Fargo with the eligibility requirements and what I need to do to receive the bonus. 
- XX/XX/2020 I receive a direct deposit of over {$4000.00}, meeting the bonus requirement within 3 months of opening the account. 
- XX/XX/2020 I call Wells Fargo telling them I still haven't gotten my bonus. The person on the phone says that I will receive it within 30 days after I have met the requirements. 
- XX/XX/2020 31 days since I have met the requirements for the bonus. I call Wells Fargo again and tell them I still haven't gotten my bonus. The person on the phone says to wait 10 more  days. 
- XX/XX/2020 I call Wells Fargo again. Told to wait more. 
- XX/XX/2020 I call Wells Fargo again. I am told that she has filed a " report '' to investigate my situation. I am told to call again in 10 more days.

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 2015-07-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am having a problem accessing my Care Credit Card account online and the bank issuing the card, Synchrony Financial, is not helping me gain access to view my account information online on their website. I have no idea what is going on with my account now. Their Customer Service department has been no help at all and do not seem to care. Every time I try to log into the website at XXXX I am getting messages saying " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' My log in information is correct and the site actually says I am logged in, but it refuses to let me see my account information and just keeps giving me that same message. I contacted Customer Service and it was torture trying to get through to an actual person. When I finally did speak to a customer service rep she was completely unhelpful. All she could say was " Refresh your browser and try again in a couple of hours. '' I explained to her that I had done so multiple times and tried logging in multiple times on Internet Explorer, Chrome and Firefox and I keep getting the same error message over and over again, no matter what. Her answer : Refresh your browser and try again in a couple of hours. I asked her to put me through to technical support and she said there is no technical support. I have twice tried emailing the company at three different email addresses - XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX - and have received no response whatsoever. So the problem remains unsolved and I can not access my account. My account is set to take monthly automatic payments of {$100.00} from my checking account which I set it to do when I last had access to it. I wanted to change that automatic payment and I am wondering if Synchrony Financial is deliberately preventing me from accessing my account so they can prevent me from turning off auto payment. I also am not receiving any paper statements from the bank so I can get no information about what is happening with my account at all. I do believe it is illegal for them to withhold my account information from me and therefore I am filing this complaint against Synchrony Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
The promotion for XXXX furniture was not applied properly because on my account I incurred deferred interest when the payment were more than the minimum payment of {$62.00} but payments were made of {$150.00} for 2 years. Even if the payments were split there was plenty of money to cover the promotional period because the difference is {$88.00}. Interest was charged when it should not have charged. When I question the company about the payment they will not answer my question on why I was charged interest and when it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A company called JH Portfolio is wrongly reporting a collection account on my credit file with all three national credit bureaus. XX/XX/XXXX a company named XXXX was incessantly calling me about collecting an alleged debt. I told them to contact me by mail. On XXXX XXXX, XXXX they sent me a letter claiming that JH Portfolio has hired them to collect money from me and that they were offering me 70 % discount on {$2300.00} I owe JH Portfolio debt Equities. So they were asking me to send them {$690.00}. I responded to XXXX letter asking them to validate their claim, which they never did. But to my surprise and without any notice, on XX/XX/XXXX JH Portfolio reported a collection account for {$2300.00} with remarks saying '' account placed for collection '' in XXXX/XXXX/XXXX and " Date updated '', XXXX/XXXX/XXXX. 
These remarks are strange since JH Portfolio Debt Equity appeared on my credit reports for the first time on XXXX/XXXX/XXXX and I am not sure who placed a collection account with them. JH Portfolio Debt Equities did not sent me a notice for {$2300.00} debt before inserting negative information on my credit file. On XXXX XXXX, XXXX I addressed them a letter asking for debt validation. Until now I have not heard from them but on XX/XX/XXXX they inserted new remarks on my credit reports saying '' account information disputed by consumer, meets FCRA requirements ''. How can account information meet FCRA requirements when they inserted negative information without prior notice to me and are refusing to respond to my request for validation?

Company response to consumer: Closed with explanation