BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-09-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, after I logged in my Citi bank account web portal with my personal credential, it popped up a window, and showed a message, which says if I apply to open a savings account and deposit certain amount of money, then I will get a sign-on bonus. The bonus amount varies depends on the balance. I followed the instruction and applied for a savings account, and transferred {$250000.00} to this account, and maintains the balance for 3 months, which was instructed by the promotion, and I expect {$1000.00} bonus as shown in the original promotional offer. 

On XX/XX/XXXX, I contacted Citi bank representative through their online chat, and they confirmed my eligibility, and told me the " promotional bonus will be credited to your account within 60 days ''. The screenshot of this conversation is attached. 

After 60 days, on XX/XX/XXXX, I haven't received the bonus as promised, so I contacted Citi customer service again, and they told me they will open a case to investigate the missing bonus. On XX/XX/XXXX, they sent me a message and notify me that I am not eligible for this promotion without detailed explanation. 
On XX/XX/XXXX, I contacted Citi again to try to get an explanation, the customer service representative won't explain.

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 2022-09-02
Company: CreditNinja Lending, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. The information is inaccurate. XXXX XXXX is unable to produce authentic proof for loan obained by me. Yet they are not correcting the issue. Nor is XXXX who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. Both parties ( Credit Ninja and XXXX ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied or received the debt. Both these companies have or made no effort to collect this debt from me. I challenged it to both of them so many times. Neither are they providing proof, nor collecting. Straight reported to credit beureo. If it is genuine debt, why are they not contacting me? XXXX is victimizing me. As a result, my applications for Credit card are being denied due to XXXX 's illegal reporting of debt on my account. I would like to amicably resolve this and get off my credit reports from 3 beureus. Otherwise I will have to exercise my right to sue XXXX and Credit Ninja at a court near to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
OneMain Financial continuously contacts me over 10 times a day. I have repeatedly asked for the communication to stop on several occasions. OneMain Financial is reporting an alleged debt in the amount of {$2700.00} on the credit reporting agencies. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the inaccurate information listed on my consumer credit report. OneMain Financial calls from XXXX several times a day nonstop. I have received letters from the company advising of an unknown debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
another inquiry on my report i didnt file XXXX XX/XX/2022

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 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2020-12-23
Company: Exeter Finance Corp.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, EXETER FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have had an account with coinbase.com for over a year. I have activated 2-step authentication on the account, which I 'm very familiar with and have used with many other services for many years. I have never had any problems with 2-step verification with any other services. 

With coinbase, my 2-step verification seems to break at random times, locking me out of my account. I even attempted to use the backup master/reset password provided by coinbase to reset my 2-step verification, but this also did not work. 

I 've attempted to contact coinbase support for weeks, with no response from coinbase support. I just want to close my account at this point, but without any help from coinbase, my money is just stuck there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had an account with Capital One since at least 2005. I have had money in CDs, XXXX XXXX, and XXXX Account. I have a very high balance currently with Capital One ( over $ XXXX ). Over the years they have steadily decreased the interest rates on their accounts, including CDs. I currently have 2 products with Capitol One -- '' XXXX Savings '' with 0.3 % APY and " XXXX Money Market '' with 0.8 % APY. I just found out today that both of those type of accounts are no longer offered. Now they have a product called " XXXX XXXX Savings Account '' which offers 1.75 % APY. No one in from the company every reached out to me to inform me the specific products offered to me years ago are now different with a significant better interest rate. There is nothing on the website once I log-in to provide me better products. When I am logged into my online account, I can see no other options, such as different accounts ( i.e. savings, CDs, etc ) that have a much better return on investment than my current holdings. When I click " Explore Other Products '' nothing pops-up as an option to increase my investment rate. I have unblocked all pop-up blockers and cleared all my browsing data and cleared my caches. However, when I log-out and do a google search for capital one products, all kinds of different products including the new type of savings account and CDs appear as options for investment. Most ethical and law-abiding banks, will offer or share with the consumer that the customers products are being retired and their are better products and inquire if the customer wants to rollover to the new account. Capital One purposefully did not offer or inform me new products because I was already a loyal customer with a high cash balance. They were not looking into the best interest of their client, but only to maximize their profit. The company is purposefully locking current/old/loyal customers to an inferior product by not allowing them to see new/better products once the customer is logged into his/her account. I have lost a lot money because of Capital One 's practice and have chosen to close my account and file this complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: DISCOVER BANK
State: TN
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 Discover, XXXX, and XXXX XXXX have violated my rights. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Discover ( acct ending XXXX ), XXXX  ( Account # XXXX ), XXXX XXXX< have reported as having a late payment my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 


I'm asking you to investigate these errors and remove any information that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2022 I received a notice from the county Sheriff indicating that I had been sued on the XXXX of XX/XX/2022 by a credit collection company in XXXX XXXX, South Dakota called Accounts Management Inc. No reason or verification was given. 

It continued to claim that I owed XXXX, not including additional interest and collection fee. As of XX/XX/2022, the paid balance is at XXXX in accordance with my most recently received paystub. XXXX dollars and/or approximately 2 pay periods beyond the assumed conclusion of said debt. 

I am the solely employed Parent/guardian of a family of 5 and am trying to survive on XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-08-29
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/2016 when I was finalizing the process of purchasing my car I conveyed to the sales representative that the interest rate was high. He said, after a few months to a year or so to go to a credit union to refinance the loan. I attempted to do that and was denied multiple times. One of the credit unions told me I didnt earn enough for a refinance yet it was the same amount ( SSDI ) as when I purchased my car. I purchased the car believing that I would be able to refinance the loan as advised by the car salesman to refinance the loan. When that didnt work I called the loan originator, Santander Consumer USA . I was denied a refinance because they dont refinance their loans. Im now beyond three years into the loan unable to take the misleading advice of the sales rep at XXXX XXXX XXXX and having failed at negotiating the APR with the lender as Ive had no late payments and paid on time. Im issuing this complaint today because both the car dealership and the bank ( XXXX, # XXXX ) gave the same misleading and deceptive advice. I believe this is a deceptive tactic which is misleading consumers into believing they can do something they may t be unable to do if theyre or on a fixed income. These practices are discriminating against the XXXX such as myself and imprisoning these consumers due to their misrepresentation in marketing the loans with deceptive business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to get Experian to provide me with the method of verification on two accounts listed on my credit file. Each time I submit the request, Experian starts another dispute investigation and avoids the request. My most recent communication from them was to contact the data furnisher directly to resolve this matter. I have done so and this data furnisher has failed to provide me with the documentation requested. Due to their failure to supply the data requested and Experian refusal to provide proof of the method of verification, the accounts for XXXX XXXX, Account Numbers XXXX XXXX and XXXX need to be removed from my credit file immediately.

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 2023-05-26
Company: DISCOVER BANK
State: MD
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 am writing because I am a victim of Identity theft. I have disputed the following account several times and it has come back verified every time. 

XXXX 's reporting a negative account on my credit report and I have reported the account to them directly and the buerers and they are claiming that its my account. I am requesting that the item be removed ( or request another specific change ) to correct the information. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( XXXX ). The copies of the records can be mailed to me at the my address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Klarna AB
State: WI
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:
I subscribed to a service called Klarna. They issued me a XXXX card to use to make a purchase on XXXX. The purchase amount and date were {$240.00} on XX/XX/2022. The last 4 digits of the XXXX Card are XXXX. 

I received defective merchandise. XXXX and the seller would not refund my money. 

I called Klarna to initiate a XXXX  chargeback as can be done with any XXXX  labeled card. 

Klarna refused to do a chargeback. Here is what they said : Our apologies for delayed reply. My name is XXXX and Im a Resolutions Specialist here at Klarna. Were contacting you regarding your order XXXX with XXXX. 

As per the screenshot provided by you, it shows that the store has denied to issue you any refund of this order even they are not willing to accept the return of this order due to their policies. Being a payment processor we are unable to overrule the terms and conditions or policies of any merchant. Please be advised to contact the store if there is any option available for you with them. Therefore, we have already closed this dispute. You don't have any outstanding balance left to pay on this order. 

Klarna issued a XXXX  card and claims they can not overrule the terms and conditions or policies of any merchant. This is not true. Any bank or credit card company that issues a XXXX  card has the ability to charge back a purchase from any merchant. 

Klarna is issuing XXXX cards and not giving customers the ability to dispute charges. 

Please look into this matter so that Klarna can be investigated.

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