BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Social Finance, Inc.
State: NJ
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:
SoFi advertised 3 % cash back for SoFi XXXX members with direct deposit on their app. 
I applied by tapping on the promotion. I am qualified for the promotion according to the Terms and Condition of the promotion. ( Got and used the card before XX/XX/XXXX, have multiple direct deposits from my employer ) After a few transactions I notice it's showing 2 % cash back. 
I reached out to the SoFi credit card phone support, they didn't give me an answer. They said they will open a ticket. I already called them 3 times in a months for followup regarding the ticket they opened. They didn't give me any answers. 

It's been a month, it's still showing 2 % cash back. 

This is false advertisement and it should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian Credit on a fraudulent credit account has been open in my name and submitted documents, and the account is not minds, and they stated the collection agency " XXXX XXXX XXXX  '' stated they verified the account, I never received any Documentation that showed this account is minds,. And the credit bureau " Experian continued to report this account as delinquent as of XX/XX/2021, in the amount of {$1000.00} this is not my account. I have a Credit fraud alert on my account. All I received was an email alert stated they verified this account in a short amount of time within a week, I never received any collection letters from this company or documentation proof of validation

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 2018-03-14
Company: Real Time Group, 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: Account status incorrect

Complaint:
In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become Real Time Resolutions wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX  about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX advised that Real Time Resolutions continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and XXXX that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with Real Time Resolutions, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: NC
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 husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.

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 2021-10-12
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the XXXX I received a notice from coinbase saying my bank had reversed a transaction and that I needed to pay them. All ability to send or receive crypto was halted. I confirmed with my bank that no such transaction occurred, I also provided the bank statement to Coinbase. There is no such transaction in my coinbase account, the only mention is the banner across the top of my accounts page and emails stating such from coinbase support. I attempted multiple times to prove that no such transaction occurred with bank statement, image of most recent transactions and a request of proof from Coinbase. 
These facts do not support their claim, 1. no such transaction in my statement 2.no such transaction in my coinbase account XXXX. I mentioned that indeed on their end when I tried to make a purchase of a XXXX dollars it failed due to their side saying my bank XXXX canceled the transaction due to insufficient funds. I then attempted a lesser amount after confirming on the XXXX that I had sufficient funds. 
4. I was charged {$29.00} dollars by Coinbase for returns which were reversed when the bank sided with me on the fact there wasn't a reversal due to insufficient funds 5. I was able that same day to successfully conduct a transaction in the amount of {$780.00} on my ledger wallet account 6. After showing all this today I received an email stating they were having their account department look into it. 

With all this provided and an email from Coinbase making me aware, an investigation was finally being conducted, they went ahead and liquidated my assets later today. 
My complaint is they have provided no proof of the transaction, their very account does not show this and they violated policy for handling debt, by liquidating my assets while an investigation is being conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Volvo Car Financial Services U.S., LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I returned my XXXX XXXX XXXX to the Volvo dealership on XX/XX/XXXX. Volvo Car Financial Services ( " VCFS '' ) still hasn't acknowledged this and has sent letters saying that I am delinquent and is making false reports to the credit agencies that my lease balance is past due and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a Collections on my credit report dated XX/XX/XXXX form Credence Resource Management account # XXXX in the amount of {$4900.00} from XXXX. On XX/XX/XXXX I completed a police report for Identity Theft to the XXXX XXXX Police Department Case Number XXXX. I called XXXX and gave the police report case number regarding account XXXX in the amount of {$4900.00}. The account was opened from XX/XX/XXXX to XX/XX/XXXX from the address XXXX XXXX XXXX. I then filled out the Fraud Affidavit that was sent to me and mailed and faxed it back to XXXX in XX/XX/XXXX. It was removed from my credit report ; only to return on XX/XX/XXXX from another Collection Agency. I have been a loyal XXXX XXXX XXXX customer since XXXX. I have never ever lived at this address. I have been a home owner living at the same address for 17 years. I have never owned a business or have been a business partner with anyone. When I spoke to XXXX XXXX, the Supervisor at Credence Resource Management, he stated he couldn't do anything but take my information and send out another packet for me to fill out and send back in. This could take up to 30 days. The only way he received my information is from XXXX for a delinquent phone bill. This was supposed to be resolved. It is not. It keep reoccurring. I was also advised by Mr. XXXX  that XXXX has forwarded/sold this to three other Collection Agencies before his Agency got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was late on a payment because of the pandemic.. they lowered my credit availability by half .. Then they proceed to want the full amount ... Which was not much but its the struggle to keep a decent credit score..Nothing but problems with this card since i got approved..

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 2018-03-14
Company: Experian Information Solutions 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:
Inquiries that not authorized XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX 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 2021-10-12
Company: Experian Information Solutions Inc.
State: WI
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:
Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.

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 2018-03-14
Company: Northland Group 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: Account information incorrect

Complaint:
I had a car loan with XXXX XXXX XXXX, I was hit by a drunk driver XX/XX/XXXX. XXXX XXXX paid my loan off to XXXX XXXX XXXX and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get XXXX XXXX XXXX to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX . The accounts total balance was XXXX . PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Transunion has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

1. XXXX Inquiry XX/XX/XXXX 2.XXXX Inquiry XX/XX/XXXX 3.XXXX XXXX Inquiry XX/XX/XXXX 4. XXXX XXXX Inquiry XX/XX/XXXX 5. XXXX XXXX Inquiry XX/XX/XXXX 6. XXXX XXXX Inquiry XX/XX/XXXX 7. XXXX XXXX Inquiry XX/XX/XXXX 8. XXXX Inquiry - XX/XX/XXXX 9. XXXX XXXX Inquiry 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 2018-03-15
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,

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 2021-06-10
Company: EQUIFAX, 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 {$1600.00}. 
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 ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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:
XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX X I recently discovered that someone has used my name for a rental apartment and left a balnce of {$3700.00}. I was living at XXXX XXXX XXXX XXXX OH XXXX. THIS IS A FRAUDULENT ACCOUNT. I have contacted the XXXX Police and filed a Police report and file a FTC ID theft report as well. I am trying hard to protect the integrity of my credit profile. This is holding me up as I was looking to buy a home this month until we discovered this fraudulent 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 2018-09-11
Company: CITIBANK, N.A.
State: NJ
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:
CitiGroup/ Sears reduced my credit limit on my account without providing prior notification or explanation to approximately 10 % of my original limit. I have contacted Citi Card Services regarding this issue and was told that my limit could not be restored and the error could not be corrected. I asked why I was not informed prior to this action and was told that a letter was sent to my residence. This is unlikely as my account was designated as a paperless transaction/ notification/ statement account 9 years ago. I checked my electronic communications and do not have any notice that my account terms would change. Further, the only solicitations I have regarding my account are advertisements for new products or shopping promotions. No account notices have been sent via the terms we agreed many years ago. 
This modification to my account terms places me at a significant disadvantage both in terms of my credit standing and ability to purchase items to remodel our home. While we used this card to purchase appliances approximately 10 years ago, we are now in need to replace and upgrade many of these as well as aging utilities like our furnace and air conditioning system. This card was to assist in this series of purchases as we had done and paid in full 10 years prior. However, the elimination of this card, the negative impact to our credit due to Citi/ Sears decisions have created an additional burden upon us.

We have maintained this account in good standing. We have made regular payments and never have been in default or late. This was not becoming of a credit agency and we have not been treated with the respect that should be extended to clients who abide by their terms, while the lender refuses to reciprocate.

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 2021-03-12
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called and requested a debt validation letter and XXXX XXXX area manager stated that he can not provide a debt validation letter and that I must obtain the information from the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Bankruptcy showing on my report from 2015. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX We requested a payoff demand on XX/XX/15. We were told it would be a 4 business day turnaround. Its a week later and we still have not gotten it. We called and they basically said it would take as long as they wanted and they didn't care who was waiting for it. PHH is holding up being able to close this transaction due to their refusal to provide a payoff demand in a timely manner!!!! This is NOT acceptable!!!!!!!!!!! -- -- -- When is the Federal government going to put a stop to 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