BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-07
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Diversified Adjustment Services was sent an email directing them to cease all contact and collections due to a dispute that was sent regarding this account from the previous collection agency hired by XXXX. The cease contact request was sent on XX/XX/2017. Diversified has stopped calling me and has now begun sending me emails regarding this collection account. I called them again on Tuesday XX/XX/2017 to request that they do not call me or contact me anymore but they told me that they are a debt collection agency and can contact me any way possible. I have attempted to block the emails but they still continue to get through.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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:
Hello, In XXXX of XXXX I sent the first dispute to TranUnion regarding two inaccurate accounts that they are currently rand falsely reporting on my credit report. Initially they ignored my request, so I disputed the accounts again and at that point they're response was that the accounts were verified. In XXXX I disputed the accounts for a third time requesting that they provide me the method they used to verify this inaccurate information ( ie : my signature on a contract, my drivers license or social security #, etc ) and they sent me the exact same response again, that the account was verified ( with none of the proof that I requested ). 

Per the FCRA, TransUnion should not be reporting false information that they have not verified in the first place. Please Help!

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 2015-06-17
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Your options do not include the reason for this complaint. Calvary Portfolio is collecting a debt that is outside of the federal obsolescence time frame provided in the Fair Credit Reporting Act. The original creditor was XXXX. My last payment to them was in XX/XX/XXXX. Calvary has incorrectly listed that payment date as XX/XX/XXXX to keep this on the credit bureau longer than the law allows.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: Avant Credit Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was a loan taken in my name from a company called Avant which I had no knowledge of or received money from. A company called XXXX bought the loan from them and originally called me in XX/XX/XXXX through XXXX, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from AVANT or XXXX. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX who attempts to collect money on behalf of XXXX XXXX, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what AVANT requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from AVANT or XXXX. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a business account with PNC Bank. After my last over draft fee I requested to have the account to not except my debit card if funds were unavailable. This was last XX/XX/XXXX. 
Since I monitor my account daily. 
I made a deposit and had funds available on XXXX. On the same day ( Saturday ) I made a cash withdraw and several purchases using my debit card. On Monday ( XXXX ) at XXXX I showed money in the account and the pending deposit and the outstanding purchases. On XXXX I checked my account to discover that that deposit had cleared into my account and the waiting purchases had cleared as well. But the bank took advantage of my balance to what customer service rep XXXX XXXX said the waiting purchases had cleared before the deposit. XXXX over draft fee for XXXX dollars each were charged to my account. I was unable to have the fees returned. I make a deposits on Friday and the check is cleared the same day, available the next day ( Saturday ). Make a deposit on a Saturday and funds are n't cleared till after XXXX Monday. If the deposit clears first no problems but if purchases are pending the bank seems to always take advantage of the pending purchases and not the deposits to go after over draft fees. I have screen shots of my account and never once does it show the account in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, XXXX, FMA Alliance , Ltd. in XXXX, XXXX, contacted the ex-wife ( in XXXX, XXXX ) of the brother ( who has lived in XXXX XXXX since XXXX XXXX, and was formally divorced in XXXX ) of the alleged debtor who has lived in XXXX since birth in XXXX ) indicating an attempt to collect a debt in violation of the Fair Debt Collection Practices Act. This communication is not only clearly prohibited, but intended to harass, annoy, and embarrass the alleged debtor and his brother.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been banking with Fifth Third Bank in XXXX Ohio, my branch was in XXXX, Ohio, near XXXX, Ohio. The bank was using unfair methods to tack on overdraft and additional overdraft charges of {$37.00} each. They were not taking credits and debits, online or in person at the bank, in the order in which they were presented. Many times I had online deposits coming in at XXXX or XXXX. of the banking day, but these deposits were counted last a the end of the day at XXXX. There would be debits taken out at XXXX that business day taken out before the deposits, it did n't matter what was pending or non-pending. A pending online deposit at XXXX was still posted after a pending debit from XXXX. Then at the end of each banking day, Fifth Third took out the debits first ... smallest to largest and then Fifth Third added the deposits last..smallest to largest. This would result in overdraft charges, sometimes multiple charges. I called the bank to explain to the manager and they always had an excuse and one time said I could come in and talk to them, but then the top XXXX managers were busy the next day. I felt like I was being ridiculed and often went to another branch on XXXX to avoid the XXXX branch. ***The problem was not that my funds were low, the Problem, as stated below this paragraph, was that Fifth Third Bank re-arranged their deposit and debit order to have more overdraft charges****

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from Visa Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using Visa Checkout on XXXX/XXXX/2016 ) XXXX. PNC Bank Statement-XXXX ( showing amount of {$10.00} ) Sine XXXX I have called PNC bank and Visa checkout several times. After calling PNC

Company response to consumer: Closed
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: NE
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: Billing dispute for services

Complaint:
I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an XXXX XXXX of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.

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 2017-02-02
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The charges that were incurred during the time frame of XXXX were at a time when I was in fact covered by a state-funded XXXX program which provides free care and visits to XXXX XXXX XXXX Systems and clinics. However, Alliance One Receivables continues to attempt to collect on these debts that were covered by the State of California 's XXXX program. Alliance One has reported several negative accounts ( more than XXXX ) and marked them as severely late ( 120+ days past due ) when they first and foremost should have never been actionable items to collect upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been harrassed by XXXX collections agencies & a law firm, disputed the debt and nobody has proven that it is mine. It just gets passed by PNC Bank to another firm when one returns it. I have no dealings with PNC Bank whatsoever, and they have never contacted me directly or responded to my inquiry. For at least the last 12 months, a law firm is reporting an open collections sum on my credit report, which has prevented me from getting jobs in my chosen profession. In calls to them, they say they will send me substantiation of the debt, along with identity fraud paperwork since I 've told them it is not mine, and I have never received a single thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My daughter attended XXXX in XXXX several years ago. We have a student loan with Wells Fargo ( was XXXX XXXX ). For several years we have managed to keep the loan current, but she recently ran into financial issues after having her XXXX child. We spoke to Wells and they offered a modification. After completing all of the paper work and answering questions ( this took about two months ), we were told we did not qualify for the modification because we couldnt afford the lower payment. Obviously this isnt making sense, this is why we asked for help in the first place. Their response was they can not practice predatory lending and if they lower the payment knowing we cant afford it, this is doing so. We asked if they could help us get caught up and they again said no, that since we dont qualify for the modification we dont qualify for deferred payments. We have gotten repeated calls, and we have made small payments and asked numerous times for help, with the same response each time, " no there is nothing we can do ''. Yesterday I received a call from a man that stated we owed the money, and must pay, he suggested that my daughter who works full time and has an infant at home get another part time job. I am disgusted by this company and am desperate for any help we can get! We have asked them for help for 6 months, and they know we need it, but they refuse to do so. What can we do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Once I refinanced my mortgage in 2013, Wells Fargo opened a checking account for me. I have no active recollection of agreeing to that, but I assume the paperwork was among the massive volume of papers to sign with the mortgage. The account was never used and dormant until two months ago when XXXX XXXX started to charge me a $ XXXX monthly fee for this account. 
I called to have the account closed but was told the account was " inactive '' and they need to activate it and then I need to call back to close it. In fact, they charged me fees for an " inactive '' account. 
Since then I have attempted three times on the phone and multiple times via Wells Fargo 's online platform to close the account with no success. I have been told again the account is inactive and ca n't be close or was put on hold to speak with " premier bankers '' etc. 
I 'm utterly frustrated that I can not close an inactive account that has never been used. I do n't know how I can accomplish this. They advise I could send a notarized letter via regular mail. Should it be that difficult in this country to close an account without a balance? They can slip in a sheet of paper to get it opened, I can open an account online in a minute, but closing an account is made awfully difficult. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opened a joint auto loan accountwith Wells Fargo ten years ago. They have illegally changed and kept changing the last reporting date and account opening date so they can keep this on my record. They are listed twice on all XXXX of my credit reports with ( XXXX, XXXX, and XXXX ), each hit has different dates of opening and last date of report. This is OLD information and should be verified and removed. Account opened in XXXX 2006. was for 72 months long.

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 2015-10-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I own a Roofing company & I 've been working in the XXXX XXXX Michigan area this summer & i have XXXX me into this same Chase Bank location on XXXX XXXX after receiving checks from my clients. Each time I come in, I get XXXX, a banking representative there who each & everytime has been unruly, extremely uncooperative immediately & unwilling to resolve any matters I have requested such as cashing of a check. I 've never been so offended by any banking official & i deal with banks daily for over 30 years. I 've never had a problem cashing a check anywhere like I have with XXXX and been spoken to so extremely rudely as I have been by XXXX at this location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Bank of America Credit Card has had frequent " fraud alerts '' that result in shutting down the cards and re-issuing new cards. This happened XX/XX/XXXX, XX/XX/XXXX, and XXXX. All of these supposed " fraud alerts '' are all round number purchases, {$5.00}, {$500.00}, {$1200.00}, all are adjacent to traveling. I believe that the frequency of these fraud claims is too high to be believable, I do not believe that a real fraudster would randomly choose a round number, tax in a purchase never comes to a round number. There are other instances of fraud alert in the history of my particular account that seem to be quite a high frequency. I have never had this occur before accept in XXXX from XXXX, when they called to alert me of fraud that they supposedly stopped, the next day they called to sell me fraud protection insurance. I cancelled the card. On this occasion, I no longer believe these are actually happening, but are generated from within Bank of America for some internal benefit that I may not be able to fully grasp as an outsider. On this particular occasion, I travelled to XXXX for a continuing education conference, while my and children travelled to XXXX for a beach vacation. We both put in appropriate travel notices respectively to XXXX and XXXX. During our travel, Bank of America claims that an " online donation '' was made to an organization in XXXX, XXXX. I find this very hard believe because, I have never been able to make the online purchase without the printed security code on the back of the card. I am presently hypothesizing that due to risk management reason, Bank of America generated their own false fraud claim because of the algorithm of two people who live in rural XXXX traveling separately to XXXX, XXXX and XXXX at the same time. Despite doing out travel notices this fraud alert occurred again and locked up our account. My wife is stranded in XXXX needing her credit card to check for her flight back to XXXX and I have had to " hit up '' my XXXX XXXX XXXX father for cash to return to XXXX by car. I hypothesize that the risk management policies of Bank of America have left more than one customer high and dry in the obsessive interest to protect their organization. I had the house painted XXXX and did the down payment on my card and the shut off the card due this purchase. It was unbelievable trying to explain to them that it was not a fraudulent purchase. Is it possible for them to self generate a " fraud alert '' to minimize risk to their benefit, but the loss to the consumer. Help me and my stranded wife and kids.

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 2016-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I became aware that Portfolio had multiple entries on my credit report. I initiated a dispute via the CRA and received a form letter with a dollar amount and name of original creditor. I wrote back and referenced Michigan Fair Debt Collection Act Sec 918 which states that Collectors must furnish : Verification of the debt or any disputed portion of the debt shall include the number and amount of previously made payments and the name and address of the original creditor, if different from the current creditor, or a copy of the judgment against the debtor. 

As I was not notified that Porfolio assumed this alleged debt and only became aware of this claim through a review of my CR I requested the information that is to be furnished to me under Michigan Law ... specifically the number of payments and statements from the Original Creditor. In response to my request Portfolio has indicated that it feels that it has furnished the information ( form letter with amount owed ) and has stated that it will not investigate further and will not send any additional information. Portfolio further states that it will not consider any future requests and considers the matter closed. As Portfolio refuses to provide me with the information requested I am forced to file this complaint rather than trying to resolve it with them. Assistance is greatly appreciated.

Company response to consumer: Closed with explanation