BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I deposited {$100.00} through an ATM to my checking account at the Citizens bank located at XXXX XXXX XXXX XXXX in XXXX, PA. The ATM gave me a receipt but did not put the money in my account. I immediately noticed this while at the ATM and walked to the bank teller to ask for my money since I need it for diapers and food. The bank refused to give me the money despite my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: PA
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: Didn't receive services that were advertised

Complaint:
I was alerted by Experian that an account from another bank was opened in my name-I found out a few days before and reported to the company. Experians advice was to lock my account-the problem was my account was locked for inquires, so the service didnt work. I attempted to report the matter and asked for a refund due to the lock didnt work. The representative said I cant do thatits complicated. I told him I didnt want to talk to him anymore and needed to speak to a XXXX, he threatened to hang up with me, I told him I know who to call. So I came here to report them and request a refund for services Im paying to lock my report, which didnt work. I only want a refund for a month.

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 2017-12-27
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I requested withdrawal of my XXXX XXXX from Coinbase. They told me that I would receive an email to authorize the withdrawal in 48 hours. I have followed their directions and have yet to receive the email to initiate the authorization and withdrawal. XXXX ID : XXXX I have not received any correspondence back from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have attempted to get this issue resolved with TransUnion on several occurs dating back to XX/XX/2021 with no success. I have multiple unauthorized soft inquires and hard inquiries on my TransUnion credit report that I have brought to TransUnion attend and was notified there was nothing they could do, to contact each individual creditors listed to have them request the inquiry be removed. I made every attempt to contact all creditor 's listed with a phone number and was pretty much told, if they pulled my credit it was at my request ; that they could not contact the credit bureau to have the inquiry deleted/removed and was advised to contact TransUnion directly. I understand TransUnion encountered a Inquiry Issues/Breach, which I have information TransUnion on several different occurs since XXXX, via mail and phone that I am a victim of. TransUnion has been unwilling to assist in getting this matter resolved and has basically ignored my requests. As of today, XX/XX/2021 these inquiries remain listed on my TransUnion credit report. 

I have a physical copy of my credit report dated XX/XX/2021, where these inquires indeed have been removed and no longer appear on my credit report, but the credit report obtained on XX/XX/2021 shows these same unverified, unauthorized credit inquires. I contacted TransUnion again today, XX/XX/2021 in an effort to give them one more opportunity to correct this issue. After speaking with 2 Inquiry Issue/Breach and refusing to remove these inquiries which is confusing as I clearly have evidence these inquires were not on my credit report before XX/XX/2021. There inquires appear on my credit report in XXXX, they do not appear on my credit report in XXXX but appear back on my credit report again in XXXX, which is a clear indicator that this is a normal practice of TransUnion adding inaccurate/and unauthorized inquires to an individuals credit report purpose or as a result of a mishap within their organization. 

This complaint is being submitted to get your assistance in getting this unauthorized credit inquires removed from my credit report. 

Attached you will find a list of the inquiries in question :

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 2018-12-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received a call from Wells Fargo Student Loan Center stating i have a payment due and I told them that I never signed up with them. I asked how did they get my information and if anyone sold my loan to them and now they refuse to give me any information. They are stating that i have to give them all my personal information for them to research. I advised them that since i never signed up with them, they need to tell me how did they get my loan and who sold to them. They are refusing and threatening to credit report as my loan is now past due. I contacted the XXXX XXXX XXXX XXXX XXXX and don't see anywhere that Wells Fargo was my loan servicer. I feel something has been defrauded either my loan got sold without my knowledge or Wells Fargo got a hold of my information and abusing it.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My credit score dropped XXXX pts in 1 month from XXXX to the mid-600s on both Transunion and XXXX immediately after I successfully refinanced my home mortgage for {$570000.00} with XXXX XXXX XXXX. The average age of my credit accounts dropped from XXXX years to 2 years. XXXX??? I am XXXX XXXX XXXX. I have had credit since1XXXX with my first credit card being from XXXX so I could pay for aviation fuel while learning how to fly. I have not been late on a payment in over 15 years. I have no derogatory information in over 15 years. Please DIRECT XXXX and TRANSUNION to correct the scores immediately. I have filed a Small Claims Lawsuit against XXXX in New York, NY and will be filing a lawsuit against Transunion and the firm that prepares the XXXX XXXX score in Connecticut seeking {$10000.00} in damages and all other relief allowed by law. This is fraud pure and simple.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S. C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXX concern to hard inquiries from Idaho XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S. C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXXwith concern to hard inquiries from Idaho 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 2021-12-08
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Payment for XX/XX/2021, including late fees was sent as a personal check on XX/XX/2021 via USPS certified mail. Per USPS, the check was delivered to Mortgage Servicers XXXX XXXX  on the XXXX of XXXX. Servicer didn't apply payment by the XXXX of XXXX although it was delivered on the XXXX. Homeowner called and emailed servicer to inquire as to why payment wasn't applied as well as tracking number on envelope that was sent. Homeowners credit report was subsequently damaged due to servicer reporting it 30 days late although servicer received payment within 30 days of due date via confirmation from United States Postal Service tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the last 6+ months I have been trying to get Navient to process a recertification for an income based repayment plan on my student loans. First in XX/XX/XXXX then again in XX/XX/XXXX. In both instances I was given miss information by Navient customer service as well as told I did not complete the process ( which I have done for several years now ) incorrectly. In addition Navient applied a forbearance to my account when I expressed my desire to pay a past due amount. The representatives continually provide miss information and as result have cost me several thousands of dollars in accrued interest as well as severe hit to my credit report and score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accrdance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish am account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: General Motors Financial Company, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capitalone is harassment on my payment that is not due till XXXX of each month.Iam on fix income with social security, i get paid on 3rd week each month.Capitalone demanding payment on XXXX, by XXXX.My social security this month comes on XXXX, Capitalone sent this note yesterday to me : About your XXXX Card ending in XXXX XXXX, Dont forget, your online payment is due by XXXX XXXX ET on XX/XX/2021. 

If youre enrolled in AutoPay or already scheduled a paymentgreat! You can sign in to see your scheduled payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: DISCOVER BANK
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021, I made a reservation for XX/XX/XXXX at the local XXXX XXXXXXXX XXXX - Confirmation number XXXX for {$320.00} with my Discover card. Unfortunately due to circumstances beyond my control : ( post XXXX XXXX symptoms/illness and a five day ice storm with power outages city-wide ) I could not keep my reservation. 

I reached out to Discover XX/XX/2021 to let them know to remove the charges as I was not able to keep the reservation due to the reason ( s ) as listed above. 

Shortly thereafter, a credit of over {$750.00} appeared on-line on my Discover card with this notice from Discover : We're writing to inform you that XXXX XXXX  XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. 

What XXXX XXXX  had done was refund to Discover was the Reservation and the Hotel stay. Which I found most confusing, at any rate, XXXX XXXX  returned two transactions to Discover. And since I do not carry balance ( s ) on my credit cards, I always pay in full each month, I knew everyone was made whole. I did not owe any money to Discover as XXXX had reversed the charges. 

This is a record of my dispute with both companies. 

We're writing to inform you that XXXX XXXX  XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. 

Case Number:XXXX Merchant Name : XXXX XXXX  XXXX Dispute Amount : {$320.00} I've been fighting with Discover since XX/XX/2021, and I'm simply exhausted. Please help me!! 



Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-22
Company: Unifin Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several calls from Unifin during business hours while I was at my job, but never any voicemails. After receiving 5 calls on a XXXX afternoon from the same number, I called back and was greeted with " How may I direct your call? '' - I let them know that I had received several missed calls from this number and was calling back to see what it was in regards to. I was then directed to a gentleman by the name of XXXX XXXX who told me that I had just been put into collections for a hospital bill that  was over 5 years old. Long story short, ( over the course of a week ) I was told to call 4 different doctors offices and physicians groups to see where the unpaid debt had come from. I was under the impression that debt collectors had this information prior to contacting you, but because I was desperate to be taken out of collections, I called. After calling all 4 places, they all let me know that I was in good standing, and was never delinquent. I called XXXX back for 4 days where I was only able to leave messages. The following XXXX, I had called in again and had spoken to XXXX where he told me yet again to call another doctor to see where my debt had come from. I asked him why that number was n't provided to me originally? He put me on hold where another gentleman got on the line and let me know he was the manager. When I asked his name and the collections agency he and XXXX were with, there was silence on the other line. When I asked again, he very defensively let me know that he was just trying to help me settle my debt and that I was responsible to pay. I told him that I was happy to pay, but I needed to know this information. Again, silence on the other line. This went on for about 3 minutes before I began to get very nervous and started crying. Why are these people harassing me at work and then refusing to tell me who they are when I am trying to do right by my debts and pay them off? I hung up and called back into the main line, asked the man who picked up what the name of the company was. He told me Unifin and that was the only way I was able to find out who was calling me since the other Unifin employees refused to tell me any information. I ended up finding out that this information was false and I did not owe money for a medical debt. This is harassment and terrible business practice. Please beware and make sure to do your research if this company ever calls you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/21, I made a payment to my Synchrony bank credit account using my credit union checking account. For some reason, Synchrony decided to debit my personal checking account instead. Both accounts are on file with Synchrony bank 's online payment system. When I noticed the charge to my personal checking account on XX/XX/21, I immediately contacted Synchrony Bank. They claimed that payment was made from my personal checking account, but I am absolutely positive that I did not authorize my payment to be deducted from that account. I asked if they could correct the error and debit the correct bank account and I was told that they were not able to reverse the payment. In XXXX, when I attempted to pay my bill using my credit union account, the payment did not process. At that time, I reprocessed my payment using my personal checking personal account. Synchrony bank has decided that it is okay to debit my personal checking account with my authorization.

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 2021-12-09
Company: EQUIFAX, INC.
State: MI
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:
Nonpublic Information is being reported on my consumer report. This is a violation of federal law pursuant to 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a group of 5 student loans that were refinanced. The loans were overpaid by {$160.00}. XXXX XXXX  said that they issued a check on XX/XX/XXXX. Then in a separate correspondence they said they issued a refund check to the new servicer on XX/XX/XXXX. When the new servicer said they still hadn't received any payment, I asked again and XXXX said they issued a check on XX/XX/XXXX. The date of the supposed refund check keeps changing and the new servicer still says they haven't received any payment. This {$160.00} seems to have disappeared even though I am paying interest on this amount integrated into my new loan. I don't believe XXXX actually sent any refund check to the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Credit Karma, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I added {$100.00} to my credit karma spend account on the XXXX of XXXX. It was withdrawn from my checking bank account on the XXXX of XXXX. It was available to withdrawal from credit Karma on the XXXX of XXXX. I have yet been able to access the money at all. I have spoke to them several times and they keep telling me the account is under review and can't transfer me to the department that is doing the actual review and can't give me anymore I formation. Other than telling me someone will email me. I have not received one email from the review department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: A & E Futures LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received communication from XXXX XXXX associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement that shows a completely different amount from what is being reported to the credit bureau. The address listed is not my address and inaccurate information is being reported. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.

Company response to consumer: Closed with explanation