BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off the total amount due on the loan through several payments that the Mariner Finance did not report on my credit report. The company has reported -- even after I disputed their reporting through XXXX and gave them a chance to correct their information -- I have bank statements that verify I made a {$650.00} payment to Mariner Finance on XX/XX/XXXX. Then I made a payment of {$110.00} on XX/XX/XXXX. A {$100.00} payment on XX/XX/XXXX, another payment of a {$100.00} on XX/XX/XXXX, a payment of {$130.00} made on XX/XX/XXXX for a total of at least {$1000.00} of the amount paid to Mariner Finance. None of these payments have been reported or deducted from the amount that Mariner Finance claims that I owe them. 

I could not get a statement to discover how much money was left on my account to paid even though I went into their office to ask for the final statement. I was informed that they no longer had my account information available. This lack of accountability of Mariner Finance has continued for at three years of continuous negative reporting on my credit reports and is a contributor of adverse credit ratings. I could understand if I had not reached out to them and made good faith efforts to pay on this account. Even to the extent of making a payment of almost {$700.00} all at once even though I am on VA XXXX and limited income. 

I have done everything I could to settle and then correct the reporting of this debt but Mariner Finance still insists after I filed disputes against their wrong reporting that I owed {$1100.00} when they wrote it off, without reporting or deducting the amount that I paid in XXXX of {$1000.00} ( of which when added to the payments I made in XXXX. 

On XX/XX/XXXX, I made an online payment of {$130.00} to Mariner Finance. XX/XX/XXXX, I made a payment of {$81.00}. This does not include payments I made in person at the office. Still, I can prove that I at least paid {$1300.00} to Mariner Finance and that Mariner Finance still chose to send my account into charge off even after I made substantial payments to them without being given a statement of itemized charges and how much was actually owed on the account. 

I hope that some relief and assistance to be provided to me to stop the adverse actions this company insists on continuing against 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 2021-01-27
Company: EQUIFAX, INC.
State: IL
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 disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX  XXXX, XXXX I did not authorize these accounts or inquiries Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated before this account does not belong to me and I have reached out muitple times to the creditors and they have failed to validate these accounts I respectfully request your office provides me with competent evidence that I have any legal obligation to pay you if not demand you delete these negatives items from my credit immediately I do not consent to these proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: SYNCHRONY FINANCIAL
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
XXXX XXXX from XXXX wanted me to transfer funds starting at the amount of XXXX XXXX to as much as {$350.00} which he claims would be deposited in my father debit account XXXX I remotely provided debit card information no pin number however they also have my debit card information I'm do have our XXXX XXXX XXXX codes

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 2021-01-27
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I'm mainly writing this to serve as a warning for others, as based on several calls with the bank they are not willing to do anything about it. I would like to preface this by saying that I have been a customer of PNC Bank for 10+ years and have had zero issues up until this point, so I was surprised with how this situation was handled. 

On XX/XX/2020 I made a deposit for {$100.00} to XXXX as a new user to take advantage of one of their promotions. There was nothing when I was entering my payment info on the website to make me feel as though this would be treated any differently from the hundreds of prior transactions I've made with a credit card in the past. 

On XX/XX/2020 I was hit with a {$10.00} " Finance Charge '' and on XX/XX/2020 I was hit with at {$1.00} " Minimum Interest Charge ''. On my next statement but also on XX/XX/2020 I was credited {$1.00} and {$0.00} in two separate transactions. I didn't notice any of this activity until after I paid the statement balance. When I viewed my FICO score, it had dropped around 20 points. 

Apparently what happened was the {$100.00} had been processed as a " Cash Advance '', triggering the fees. My fiance made the same transaction on her new account on the same day for the same amount, using a XXXX card. Her transaction processed as a normal credit card transaction, so no fees. Her mother made the same transaction on her new account on the same day for the same amount, using a MasterCard. Her transaction was also processed as a cash advance, but a quick call to customer service waived the fees. 

I called the PNC Bank credit card customer service and spoke to a manager. They declined to refund the fees because the " transaction was valid ''. It was processed as a cash advance because of some properties of the transaction that aren't visible to me but are handled by the merchant/VISA. 

A " Cash Advance '' is a distinct financial service that I did not request but that I unwittingly got, along with the fees and a hit to my FICO score. Also, it's strange that different financial institutions handle the transactions and customer service differently, despite the same information from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account sent in attachemnt is not ours, I had an HomeDepot account in XXXX and paid it off and then they back charged me interest and I had to fight for them to fix it. I would never open another account with Home Depot so I know for a fact this is not ours and in XXXX we sold our house so there is no reason in XXXX we would need anything from home depot. I called the number and they have no account on record for either me or my wife.

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 2020-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Portfolio Recovery Associates XX/XX/2019 they responded by sending me a credit card bill. I responded back to there letter stating that they didn't properly verify the debt in response I received a letter from them stating that they have already responded to a previous dispute substantially the same as my present dispute and due to no new information they wouldn't be forming another investigation. It also state that if they continue to receive subsequent correspondence from me regarding a dispute that has already been resolved they will consider my inquiry answered and they consider the matter closed. But yet they failed to properly verify the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion online dispute is not working at all, when you try to call TransUnion you wait with over an hour wait times or the call just drops. 

I have in accurate information I'm trying to report and they are the only agency making it difficult to 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 2020-12-02
Company: CIBC BANCORP USA INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
CIBC Bank USA includes a mandatory arbitration provision in their Consumer Deposit Account Agreement effective XX/XX/XXXX. In said provision, CIBC names the XXXX  XXXX  XXXX  ( i.e. XXXX  ). See attached CIBC Account Agreement. 

Beginning on XX/XX/XXXX, the XXXX  Consumer Rules require that any company who names the XXXX  in a consumer arbitration provision has to first submit the arbitration provision for review of said provision at least 30 days before the effective date. The XXXX  will then review the arbitration provision to make sure it is in compliance with the Consumer Due Process Protocol and Consumer Arbitration Rules. See attached Rule R-12 of the Consumer Rules. 

However, CIBC 's arbitration provision included in its Consumer Deposit Account Agreement is not included in the XXXX  Consumer Clause Registry. See attached XXXX  Consumer Clause Registry. So it appears CIBC is in violation of the rules. 

And the XXXX  will decline to administer consumer arbitrations arising out of an arbitration agreement if the business declines to pay the review and Registry fee. See rule R-12. 

CIBC should not be allowed to force its customers into arbitration thereby giving up their right to sue in state or federal court and then fail to follow the XXXX  rules resulting in their customers having no legal remedy whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Early Warning Services, LLC
State: VA
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:
EARLY WARNING systems reporting inaccurate erroneous information PAID ITEMS RE-AGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. EARLY WARNING has discriminated against me. EARLY WARNING if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST EARLY EARNING FOR MULTIPLE VIOLATIONS OF FCRA AND NON COMPLIANCE WITH OTHER REPORTING LAWS. 

FOR ACCOUNT : XXXX XXXX XXXX  MISSOURI ENDING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Trans 2nd XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Trans XX/XX/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 2019-03-01
Company: Mandarich Law Group, LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed validation of debt several times with XXXX XXXX resurgent capital and now another Mandarich law group claiming to have validation I owe a debt. I requested validating evidence with my signed contract and anything to show the debt is indeed mine. Today XX/XX/XXXX I was sent an unsigned contract with no name on it from Mandarich law group claiming to represent XXXX XXXX who has refused to validate said debt. XXXX XXXX seems to no longer exists as they have never answered a single letter I send them for proof. The contract shows an online account under the name XXXX. This is not me. They have no proof this debt is indeed mine. I want this removed immediately from my credit reports. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: NAVY FEDERAL CREDIT UNION
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:
Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. 

Navy federal opened XX/XX/XXXX owed {$3100.00} XXXX XXXX opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: ENCORE CAPITAL GROUP INC.
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:
I have a debt collection for an account on my credit that is not mines. I have no knowledge of this debt nor where it originated from. I do not recognize the details stated about the account. I have reason to believe that someone may have obtained my info and used it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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: Their investigation did not fix an error on your report

Complaint:
Experian did not correct an erroneous credit reporting item from XXXX XXXX XXXX. I disputed the item with Experian against XXXX XXXX XXXX on XX/XX/2021. I have spoken with XXXX XXXX XXXX mortgage department XXXX1 times and every single time, I was assured that I was never late and the balance is XXXX. However, Experian refuses to correct the error. 
The wrongdoing has caused my score being dropped to XXXX, preventing me from getting any credit during this very challenging 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 2020-09-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called today to inquire on an annual fee of {$99.00}. I'm elderly ( XXXX   years if age ) and speak XXXX. I paid off this account with a balance transfer in XXXX of 2020. I failed to close the account and an annual fee of {$99.00} was charged in XX/XX/2020. I called today to request the fee waived and they refused to waive the fee. This is discrimination of an elderly woman and because I'm XXXX. 

My daughter, XXXX XXXX has the same credit card and has had the fee waived on one or two occasions.

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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. I sent in lettres to the credit bureaus on XX/XX/21 and I still haven't heard back from them. I've included the letter as an attachment. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've filed a FTC report for a second because of this, and I really don't want to have to escalate it even more. Please delete these inquiries from my report immediately, or I will have to file for litigation. 

I've included my ID, SS Card, and proof of address to this submission.

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 2019-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my credit report there are three duplications of the same accounts. XXXX XXXX is showing and then XXXX XXXX who purchased the debt with all the same information and details. In addition to that account XXXX XXXX is showing and then XXXX XXXX XXXX.with the exact same debt and details also being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I have held two credit cards with Citibank for over 14 years and have had a Citibank bank account for over 30 years. 

I just learned that my credit cards were closed when I tried to use the cards at a store. 
All my earned purchase points were erased and I can not view any previous information on the closed accounts although the outstanding charges of last month are still visible and connected to full autopay on my bank account. 

The reason Citibank gave for closing the account was they recently changed their policy not to allow a foreign address on credit cards. I went abroad since XX/XX/XXXX and had changed online, my mailing address for the credit cards only and kept my bank account 's US address. I did not receive any notification via email or on the Citibank site of this policy change. I did not receive a letter notification at my foreign address. Given the current COVID pandemic, mail is slow domestically and internationally already. However, I never received a mailed letter notifying me of this policy change. 

My complaints are as follows : 1 ) I earned my points through usage and actual purchases on the credit card and it doesn't seem legal to erase my entire earned rewards without sufficient notification and allow me enough time to take action on the rewards before closing my card account. 

2 ) 2-month timeframe to allow customers to respond to their mail notification is insufficient time during a pandemic.

3 ) Although I was signed up for email statements and notifications, I never received an email notice or any warnings about the eminent closure of my cards online. 

4 ) Even the bank manager at our branch, who helped set up the foreign mailing address, was not aware of the bank 's policy change, so was unable to advise me to take action on the matter to avoid account closure.

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 2019-05-29
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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 13 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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