BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX the vehicle I least was involved in a total loss accident. On XX/XX/XXXX the insurance company sent XXXX to Ally Bank for a payoff. On XX/XX/XXXX Ally posted the payment. On XX/XX/XXXX I contacted Ally to pay the XXXX deductible, and was told by Ally to wait till the account was finalized because the amount may be adjusted because of the Gap insurance on the lease. On XX/XX/XXXX the account was charged off as bad debt for XXXX saying my account was delinquent for two months, it was not delinquent. My credit dropped 50 point just as I am in the middle of a refinancing on my home. When the account showed up on my credit I immediately paid the XXXX and I still have no idea why I was billed. I have asked Ally to send me a breakdown of the bill and also correct my credit report and have been told by 3 different  operators, they dont do that and all they can send me is a paid in full bill.

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 2020-11-25
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I sent XXXX XRP worth around XXXX $ from my Coinbase Wallet to Coinbase exchange account. After around 10-20 mins waited for the funds to be transferred from my wallet to exchange account however I never received it and no longer have the amount on either account and when I go to XRP transaction scan it shows the transfer was successful. Thinking it might be an error on my part, I went and double checked that I correctly put it the receiving address for the exchange account I was sending to and to my surprise the address is correct. So somehow XXXX XRP worth roughly XXXX $ is gone. I submitted a help request to Coinbase but have little to no faith they will actually assist me. I know I havent give much time to resolve this but its a lot of money and I'm panicking because I dont want my money to be lost forever. 

Coinbase Account email is XXXX The xrp transfer can be see on XXXX  this is the transaction number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Disputed claim for amounts owed. {$440.00} was under impression it had already been paid and handled. Portfolio Recovery now calling harassing me and my family members. Did not have a co-sign or anything. Revealing details about case and debt to my family. Threatening me and my family who are not involved with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed a home loan refinance with Mr. Cooper ( Nationstar Mortgage XXXX, XXXX Mr . Cooper. ) on XX/XX/2020, when their notary came to our home for us to sign the loan documents. From that moment, I asked the lender to send us a copy of the signed documents. Their first response was " Oh yes we dont give the signed copies '', after I insisted that I wanted a copy for my records, their response on XX/XX/2020, was " I can request a signed copy be sent to you via XXXX but please allow some time to receive this thank you ''. 
I emailed again on XX/XX/XXXX asking for an update on the signed loan documents, never heard back. Called their main number on XX/XX/XXXX, spent 40 mins on the phone from one person to the next without a solid answer. 

We are not asking much, just a copy of the signed loan documents for our records, as it is the only way we have to defend ourselves from any unilateral changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hi, I Do Have An Issue With A Bank Of America Institution, Regarding A Fraudulent Activities Into The Account Provided By Them In Accordance With XXXX, Wich The Amount Is The XXXX That Were Taken Off In Different ATM Of The Same XXXX/Bank Of America, Prepaid Card So I Have Contacted First The Branch Management, No Action Taken, Then By Phone Access Through Almost 2 Months Already The Fraud Was Detected By Me On XX/XX/XXXX But According To The Statement It Reports That The Fraud Was Made From The Day XXXX Through XX/XX/XXXX The Days Started On XXXX An Amount Of $ XXXXThen On Day XXXX An Amount Of {$980.00}, Then The Latest Was On Day XXXX An Amount Of {$980.00}, All These Amounts Were Withdrew From Different ATM In Different Areas Wich I Personally Don't Know Were They Are Located As Well How The Card As Well As The Personal Pin Number Was Obtained Once It Is Personal, So Please Help Me To Get All This Funds Back Into The Account Due That Because Of This Issue I Ended Up To The Emergency Room With XXXX XXXX Issues. 

Thank You. 

Best Regards.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 did not authorize these transactions it was fraudulent activity. Unverified.

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 2017-09-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Despite several disputes and complaints, United Revenue Corp is still reporting false information. My previous complaint requested full debt validation, such as signed paperwork from me that I owe this debt. The company has sent me several bills ( attached to this complaint ) and saying it 's valid but have not provided proof of debt. A bill is not proof of debt. To my knowledge I 've never had business with this company. Please provide VALID PROOF of debt, such as a signed contract by me, date of service, and breakdown of bill, only then I will negotiate a settlement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/21 my checking account was overdrawn by {$630.00}. 

On XX/XX/21 I received {$1400.00} stimulus direct deposit. My account then was a positive balance of {$760.00}. 

On XX/XX/21 I received a deposit from Suntrust Bank ( bank where account is held ) for {$630.00}. Called TEMP RELIEF DEPOSIT. 

I was unsure what this was exactly - I figured it had to do with stimulus bill. I did not contact the bank with questions. 

On XX/XX/21 {$630.00} was taken from my checking account by Suntrust - removing the deposit they put in on XX/XX/21. I call the bank customer service number a d was told a letter was sent and it was a TEMP LOAN so that I would have access to the entire {$1400.00} of stimulus payment and was going to be removed in 30 days. 

I never saw the letter - I have moved since then.. I called yesterday to my former landlord and asked if I had any mail. He said yes - he sent me a photo of the letter. It is dated XXXX the day of the deposit and the envelope has not postmark. Not sure when it arrived, but was after the deposit was already done. 

I was never given this as an option.. just was told we as a bank did this.

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 2021-03-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: 21ST MORTGAGE CORP.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recently fallen behind on my mortgage. I have made small payments in an attempt to catch up. My mortgage servicer which is 21st mortgage has at out refused to do anything or work with me. In fact anytime I call them all.they do is insult me. The insulted my XXXX husband saying he made poor choices in life by becoming XXXX. They also told me I was wrong for laying my electricity over them when my husband has a medical need for electricity. I have never been talked down to in a manner like this before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not 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 2020-10-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus Experian, XXXX  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Bread Financial 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: Old information reappears or never goes away

Complaint:
Comenity Bank/XX/XX/XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XX/XX/XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My Credit card company just reduced my avail credit by nearly 40 %, received letter dated XX/XX/XXXX after I made 2 large payments ( {$10000.00} XX/XX/XXXX and another for {$4500.00} on XX/XX/XXXX ) to cut my available credit from {$22000.00} to {$13000.00}. Their action significantly reduces my flexibility. Ive been with this card since XXXX nearly 20 years, have NEVER missed a payment and have maintained a mid XXXX credit score. Im furious with them. I would not have made those large payments if I knew they would cut my avail credit. When I called them, they stated the only way to even be considered for a credit line increase, would be to re-run my credit score. No way will I let them rerun my score, the letter they sent me stated XXXX had me at XXXX on XX/XX/XXXX, why rerun my score? Their letter and my conversation with customer no service stated " balances owed on accounts too high '' and " balances on accounts are too high compared to credit limits '' They just did that too me for sure by reducing my limit bringing balance and amount owed too close again. In addition, my credit file has an account on their that isn't even mine so I'm sure they listed that as an issue as well. I have no recourse on them, so frustrated and disappointed, again after 20 year customer even when my income has gone up steadily by more than than 125 % since I opened that card. All increases have also been on them voluntarily, not by my requesting them. They have made thousands in interest on me. I feel stuck, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I made a request for {$300.00} to be XXXX XXXX  to myself. On XX/XX/XXXX I recieved {$300.00}. I check my account after picking up the funds to find Bank of America deducted {$400.00} out of my account plus a {$15.00} transfer fee. I immediately called Bank of America to find out why and was put on hold for 2 hours then hung up on this repeated 3 times. When I finally reached someone who seemed to want to help they informed me XXXX was sent and I should have recieved XXXX. Since I didn't make a request for XXXX I informed her it was incorrect and requested the money be returned to my account. I was once again asked to hold in which an hour later was hung up on. 

It is now XX/XX/2020 and I have still not had access to my missing XXXX dollars. XXXX XXXX has no record of the XXXX request and Bank of America repeatedly tells me they will fix this issue but has done nothing. I demanded my phone calls be listened to so they know I never requested XXXX dollars so they had no right to change the amount. I am on unemployment which is lower money than I usually have access to. Having a large powerful rich bank steal XXXX dollars from me is financially destructive to my family 's wellbeing and livelihood. I am disgusted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am seeking resolutions to handling FCRA violations done against me by debt collection agency, NCB Management Services, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ). 

1. NCB Management Services is falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX that I owe them a debt in the amount of {$11000.00}. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which has also resulted in my XXXX score taking a major plunge recently because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. I have documentation showing that this debt collection agency was removed back in XX/XX/2017 to only learn they are still reporting to all 3 major credit reporting agencies. I am still baffled how! Please help me in what seems to be a never ending uphill battle with this debt collection agency who is practicing illegal debt collection activities. 

Kindest Regards, Frustrated Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Transaction for on XX/XX/20 XXXX XXXX in the amount of {$150.00}. Advised company transaction was not authorized. Representatives are extremely, rude, and unhelpful. Number called XXXX s/w XXXX at approx. XXXX XXXX  on XX/XX/20. Refused to provide a supervisor and the number to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NJ
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Companies and Loan Providers were inaccurate and indirect. I did my part of communication and they failed to keep me up to date. I have resourced my options and want to dispute my enrollment at 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 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX  XXXX not mine XXXX XXXX   XXXX not mine COLLECTIONS  09 XXXX XXXX XXXX   XXXX {$430.00} not mine 12 XXXX  XXXX XXXX XXXX XXXX  XXXX {$710.00} not mine 12 XXXX XXXX XXXX {$970.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2020-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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