BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have noticed hard inquires on my credit report that do not belong to me. I had called XXXX who is handling things on their end and advise for me to contact the company that made the inquire. I have done so, I had called First Advantage/XXXX XXXX along with the company that states I filled out an application XXXX XXXX   XXXX, but passing the buck that I need to contact the other to get this removed. I did not apply at XXXX. It was an error that First Advantage/XXXX  XXXX who put this on my credit report. After speaking with a representative from First Advantage/XXXX XXXX they veified they had the correct location we applied to but also had a 2nd location that was added. I informed the rep we never applied to XXXX she said contact them. I contact XXXX, she said contact First Advantage. Both are passing the buck. 

They also did a hard inquiry 2x on the same location within 8 days of each other. ( see attached ) This is the location where I did apply and move into. I asked to have one removed since they inadvertently inquired 2x for the same location. Only to get push back and them refusing to do so blaming it on the property management. 

You will see in the hard inquire the place I moved to and applied XXXX XXXX and XXXX XXXX  XXXX are 4 days apart, but after review the locations each are 3 hours drive in distance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: ALLY FINANCIAL INC.
State: NJ
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:
ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated that while I was XXXX in a hospital, Ally repossessed my vehicle without any notices given to me and allowing me to cure my missed payments. After the vehicle was repossessed, they stated they made a charge of in the amount of {$22000.00}, and then stated there was a past due amount of {$1600.00} as of XX/XX/XXXX. 
UCC 9.506 and the RISA and MVISA statutes were violated here. 
Ally was contacted right after the vehicle was repossessed and they would not give me any information about the vehicle or my account.

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 2021-08-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a private loan by navient in the amount of {$27000.00} that i should not be paying. I attended XXXX in which the school had closed in XXXX do to defrauding students. I didn't even know i had a private loan out in my name from XXXX until 9 months ago. In XXXX of XXXX department of education took action and preventing new students enrolling into the school. On XX/XX/XXXX the school was officially closed down. XXXX XXXX XXXX charged among the highest tuition fees in the industry. It also had the industry 's highest rate of loans that went into default within two years of attendance. Starting in about XXXX, XXXX XXXX came under fire for questionable practices. The allegations included high-pressure recruiting tactics, falsified paperwork, high default rates on XXXX XXXX student loans, and inadequate educational standards. XXXX XXXX and the department education know XXXX defrauded students that they are giving them debt relief on federal loans when filing a XXXX. It should also go for private loans as well. why should I be responsible for a loan when XXXX closed down for defrauding students.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT 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 2020-09-25
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Money hungry bank. People affected by covid and they still hit people with fees. Made a deposit through my phone since we had a XXXX family in our home and couldnt get out. Made a check deposit to cover what was coming out and still charged me a fee. Covid is not even over and been told many times they arent helping covid families.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been in the foreclosure process in New York State since XXXX. 

I had a well-performing ( perfect, in fact ) mortgage from the XXXX inception until the servicing rights were sold to XXXX XXXX XXXX , XXXX ( XXXX ) just before the original lender/servicer ( XXXX - the old one ) went under in XXXX. 

XXXX was the subject of a CFPB consent order and no longer services loans. I believe that my experience with them was a slightly different scam ; the ones the consent order dealt with involved problem or non-performing loans ; in this case they took steps to ensure that my loan became non-performing. More details forthcoming if needed. 

After damaging my account, XXXX promised they would modify my loan but I would have to stop paying which I did in XX/XX/XXXX. I have made no payments since then. 

The foreclosure case continues ; I answered it and successfully defeated summary judgment motions because so far the plaintiff can't prove that they had standing to sue me. 

I have never engaged in any modification plan or other payments. There is litigation going on ; I appear to be winning ; the Statute of Limitation ( SOL ) on the debt expired in XXXX and if I can defeat the Plaintiff it may be difficult or impossible for them to turn around and sue me again. If I make any payment to them, it destroys my SOL defense. I did not and would not do that. 

The current owner of my loan is XXXX XXXX XXXX. The servicer is XXXX XXXX  XXXX ( the furnisher of the bad credit information ). 
I have rebuilt my credit and had a FICO credit rating with all three CRB 's around 720-750 and growing. 

Suddenly early this month I got an alarm from two of the three bureaus, XXXX and TransUnion, that my score had decreased 75-100 points. 

XXXX had reported to the two that I had engaged in a modification starting in XXXX ( had not reported this purported transaction until recently! ) that was paying as agreed but that the overall account was worth over {$1.00} XXXX and was 120+ days in arrears. 

None of this is true. This account should not have been reported to the CRBs after XX/XX/XXXX. 

I took the following immediate steps : Faxed a letter to XXXX demanding that they correct the error. Had my ATTORNEY fax a letter to the lawyer for XXXX/XXXX   that it appears retaliatory and should stop forthwith. 

I disputed the claim with both CRBs. They appear in no hurry to correct the errors. 

So far, 10 days have passed and no answer to my letters and no resolution to my issue. 

OH ... this is the SECOND TIME this has happened. It happened in XX/XX/XXXX as well, and was corrected at that 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 2019-05-14
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Either in XX/XX/XXXX or XX/XX/2015 I went to the emergency room at XXXX Hospital because of XXXX XXXX I was treated awfully they accused me of being a XXXX XXXX they took a XXXX and then I had a social worker come in to try to sign me up for XXXX XXXX a state health insurance they were unsuccessful and made a comment that XXXX XXXX   don't need insurance anyway about point I gather my belongings and left the hospital I was never discharged not that I have any procedures done during that visit I don't feel like I should be responsible for this bill considering the fact that I didn't receive any services and was completely disrespected and humiliated and it was the most awful experience ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I decided to pay off some credit card balances to help my credit score. I paid 3 total balances including my TJMax credit card. Then about a month later I notice my credit score went down due to a credit card being closed. I was notified that my TJ max credit card was closed because they decided they no longer wanted to give me a credit line. I called them immediately they explained that they decided to no longer give me a credit line after I had paid the balance off because they had the right to do so. They didn't try to help me and refused to re-open my card and damaged my credit. I am very upset because I chose to pay this off to help my credit not to effect it negatively. My payment history with them has always been on 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 2020-02-21
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Over the course of the last few years ( dating back to approximately XXXX ), I have had several Citibank Mastercards and 1 Citibank bank account that earn XXXX XXXX miles as rewards for spending money on the cards or depositing money in the bank account. Citibank and XXXX XXXX have a corporate partnership whereby Citi buys miles from XXXX  and gives them to customers as rewards for using Citi financial products. 
On XX/XX/XXXX, XXXX XXXX unilaterally and without warning terminated my frequent flier account, cancelled an existing ticketed itinerary, and confiscated over XXXX miles. XXXX  has provided only a vague accusation of " fraud, misrepresentation, or abuse '' with no detail of the alleged infraction, and no way to contact them to discuss or appeal this decision. 
As Citi is subject to financial regulations and CFPB oversight, I request that CFPB investigate this fraudulent practice by Citi and XXXX. I met the terms of my agreements with Citi, they awarded me miles as a reward for my business, then XXXX  stripped those rewards with no warning or appeal. 
The value of the XXXX confiscated miles is {$4400.00}, and the cancelled itinerary will cost me approximately {$8200.00} to replace.

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 2020-02-21
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification of a creditor placing an account on my credit report for XXXX XXXX. Ive never had or spoken to anyone from XXXX XXXX. I immediately asked the company Allied to provide me with legal validation of this debt. In return they sent back a copy of a bill the does not have my SIGNATURE showing I was even aware of this bill which is a violation of my right as a consumer under the FDCPA. Im seeking original documentation between myself and XXXX  with ORIGINAL signatures and they have failed to send me therefore Im asking the account be deleted permanently from my credit report.

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 2020-02-21
Company: Experian Information Solutions Inc.
State: MT
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 had a checking account with XXXX in XXXX that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX XXXX for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.

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 2020-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed these accounts a few times. A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed XXXX XXXX accounts # XXXX for {$370.00} & # XXXX for {$420.00} were opened fraudulently on XX/XX/XXXX, both accounts were then acquired by Portfolio Recovery Associates on XX/XX/XXXX. Today, XX/XX/XXXX, I sent an email to XXXX. I have also sent a copy via mail to this office CFPB, XXXX, FTC & Massachusetts AG office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Coinbase, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I went to use my Coinbase debit card last night around XXXX XXXX and the card was declined. I knew that I had sufficient funds available on the card so I checked the app and was greeted with the message " Your Card is temporarily suspended after detecting some suspicious activity. '' I attempted to contact Coinbase XXXX  @ XXXX but the automated system never allows me to speak to an agent. Once I type in my information it disconnects me. I've sent messages on XXXX as well as emails trying to get this resolved. There has been no suspicious activity on my card and I really need access to it again but haven't received any type of response from the company, which is unacceptable. The card is issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Submitted a report to Equifax regarding my name is incorrect and address is incorrect I have a complaint number ID but when I dialed the number to try to get an agent you are unable to speak to someone due to the call keeps dropping. Ive tried calling them several times during their new hours of operation due to COVID. They sent me an email saying I have new information but Im unable to speak with any agent due to Equifax disconnect the call when holding for an agent. The number Ive dialed is ph # ( XXXX ) XXXX which is the # they have on their system to call. I am unable to use the automated due to my address is incorrect and the system want you to input your street # as verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I have been trying to refinance and pull cash out. The loan to value is low We are using my VA benefit. We have had the inspection and there are several small items, primarily peeling exterior paint on molding around garage doors and windows. I contacted the VA and was told due to weather the VA would give them a waiver. 

My lender Freedom Mortgage, who currently has our mortgage, would not request the waiver but instead want to do an escrow holdback for {$1300.00}. My fear is that I can not get the paint complete due to weather ( I am in the XXXX in XXXX XXXX within in their timeframe which I am sure will include fees. 

I feel the company is putting an additional barrier up for me to use my VA benefit.

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 2019-05-14
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I have been generally satisfied with my Marcus by Goldman Sachs savings account. I ran into an issue on the morning of XX/XX/2019when I attempted to transfer funds from my Marcus account to my regular usage account with another bank that I regularly transfer money in and out of via phone call with a Marcus rep. The reason I had to call was because it was a large amount of money that I needed available for buying a house. I called, was treated well, and the transfer was established. I was told it could take 1-3 business days ( call was  on Tuesday, Reasonable to arrive in my account by Thurs/Friday ) which would have been in appropriate time for closing on my house. On Thursday, XX/XX/2019, I check my accounts and there was no transfer, no pending transfer showing in either account. I decide to call in as something is clearly wrong. I am told by the rep that I had canceled the transaction. I verified with the agent that I had done no such thing. The rep apologized for the mistake and processed a wire transfer which caused me to incur a fee with my receiving bank. Marcus refused to reimburse me {$15.00} for the wire fee. The wire was required because of a mistake Marcus made. I was redirected to a " supervisor '' and was treated poorly. The supervisor acted as if I was lying about never canceling the original transaction. They went through the notes on my account and confirmed multiple times that I had never spoken with an agent after my initial establishment of the transfer. The supervisor claimed that I returned a call about the transfer and was verified by their rep. I vehemently explained that I never called in and confirmed the account I was transferring to was a regularly used account with my Marcus account. I asked about how they could have verified someone claiming to be me and asked if they were going to have this reviewed by their fraud team. The supervisor confirmed that she didn't think it was fraud so, no. This is unbelievably ridiculous at this point. I, as a verified client, am confirming I never made a second call on XX/XX/19 and never spoke with the rep they claimed I did, and they won't investigate for fraud! The wire transfer went through and I was charged a fee. I called back and reached a different supervisor who was a little more helpful. This call was made XX/XX/2019. The supervisor said he would credit me the wire fee of {$15.00} and would have the fraud team review and reach out. Today is XX/XX/2019, I have not been credited and have had no outreach from a fraud team with any update on my case. This is incredibly poor client support. I can't believe I had to fight so much with the supervisors to be credited {$15.00} because of an error by the XXXX when I keep thousands of dollars with this bank. I am near to closing my accounts and advising every person I recommended this bank to do the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this due to non-compliance with the ( XXXX XXXX XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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