BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This item was disputed with TransUnion. I received a letter from them on XXXX/XXXX/2016, stating that the investigation was complete and that this collection was no longer on my file. I had applied for a loan on XXXX/XXXX/2016 and received a very high interest rate on my new loan. I asked my lender why the rate was so high and they stated that there was an open collection on my TransUnion account that was affecting my new interest rate. So I obtained my report on XXXX/XXXX/2016 and it still shows the collection that they stated ( on XXXX/XXXX/2016 ) was no longer on my file. I want this removed!!!

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 2021-12-28
Company: ACIMA CREDIT, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX consumer, natural person, and original creditor to an open end credit plan was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima. I was informed of this trespassing of my rights specifically 15 USC 1601- Truth In Lending Act by XXXX  XXXX XXXX XXXX XXXX XXXX d/b/a Acima on XX/XX/2021. According to 15 USC 1602 definitions of the Truth In Lending Act, i as a natural person possessing an open end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up too ( {$5000.00} ). XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX d/b/a Acima is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX XXXX, 2016 I mailed a " certified mail receipt '' letter to the Annual Credit Report Services, XXXX. XXXX XXXX, XXXX, GA XXXX. In this letter I requested each of my credit reports, and provided documentation of denials of credit that I received after attempting to purchase a vehicle for my grandson. My letter was explicit and there should not have been any problems with my request. I provided all of my contact information. 
As of today, XXXX XXXX, 2016 I have not received a response from this agency and I am concerned about identity theft. I gave them so much information as a means to identify the validity of my request. 
This morning, using the tracking number of my certified mail receipt, I was alerted that my letter was delivered at XXXX., XXXX XXXX, 2016. This is unprofessional, to say the least. 
I have in the past had similar issues with them. It makes me extremely suspicious, because I am disclosing so much personal information that can be used to steal my identity. 
AUTHORIZATION : I have checked the box below. However, I DO NOT WANT MY NAME published. Thank you.

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 2017-08-15
Company: CITIBANK, N.A.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, I disputed a incorrect charge on my UNIVERSAL/CITI credit card with ASAP rental. Unvl/Citi opened an investigation, in which they did refunded {$250.00} during the course of this investigation to my credit card. ASAP disputed my dispute and Unvl/Citi placed this amount back on my card resulting in my card at that point being over the credit limit and reported it to the credit bureaus, XX/XX/XXXX. At which point Unvl/ Citi alerted me to provide additional proof of my dispute after said amount was reported to the credit bureaus. I immediately provided CITI with legitimate proof that ASAP rental was indeed paid by XXXX and their claim was invalid. CITI again placed the {$250.00} back in my account and a manager told me they would have their internal department which handles credit reporting correct the error of the Over the credit limit reported. This was never done. They were contacted twice. XX/XX/XXXX I received a email from Unvl/ City regarding ASAP dispute still in investigation.
I was told XX/XX/XXXX this matter was closed. This matter has been in dispute since XX/XX/XXXX. I spoke with a representative that told me that they do not have a end date for  investigations and could not give me one and this matter was still open. I was also told that no request was made on my behalf to the credit bureaus to remove the negative reporting which lowered my credit scores on all 3 bureaus. XXXX XXXX points, XXXX  XXXX points and XXXX XXXX points XX/XX/XXXX. I was in addition told that if I wanted anything corrected on my credit report I had to send a additional Letter making the request to have corrected and that the supervisor who told me they would take care of it several months ago did not. This error has largely been to my detriment in any loans I try to apply for and credit card approvals.

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 2021-12-28
Company: Klarna AB
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I wanted to submit a complaint on the company, Klarna. I recently purchased two monitors from XXXX and used Klarna 's XXXX product during check out. Klarna advertised their service as " no impact to credit '' and no interest payments for my purchase. 

I liked this option because I knew in the next few months I would be purchasing a new home. I didn't want to use a form of credit that could potentially impact my score when the mortgage lender did their underwriting. Klarna 's seemed like a perfect fit. 

My mortgage lender is currently in their underwriting process and pulled a copy of my credit report. A " hard '' inquiry is showing from Klarna XXXX XXXX for the purchase. 

In chatting with an agent, they are stating that the " no impact to credit '' does not cover the monthly payment option that I choose. However, their website here clearly says differently ( not to mention its all over their website ) : https : //www.klarna.com/us/customer-service/does-klarna-affect-my-credit-score/ If this information would have been clear to me in the beginning, I would have chosen a different payment product or option that did not impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I Paid a debt off with XXXX. XXXX other credit reporting agencies removed the debt, but trans union has not. I called XXXX and they said they have reported it paid, it is trans unions problem now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: PA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is with PennyMac Loan Services. I am a XXXX veteran and also exempt from paying property taxes in my county and state. PennyMac advertises many loan services to veterans and their families. PennyMac is not veteran friendly in my experience in dealing with them. The problem I am having with PennyMac getting my property tax escrows refunded and my monthly escrow payments reduced to reflect the exemption. I was approved by my county for the exemption XXXX/XXXX/2016 and after speaking to PennyMac representative I was told to submit the exemption letter and a Demand letter for my property tax escrows to be returned to me, which I completed on XXXX/XXXX/2016. After submitting these documents I received a reply telling me that these documents are not sufficient and that they need a tax bill from the county. After going back and forth with PennyMac I sent in the tax bill showing that I had a zero tax bill and also I was receiving a tax refund from the county. The response from Penny Mac is that a Tax agent from their company was working on it and a representative would be in touch. After two weeks and of nothing I decided to give PennyMac a call. The representative on the phone was very helpful and basically told me that nothing had been done regarding my exemption and no tax research was completed. This representative also called the county and verified that i have a zero tax balance and I have been approved for the exemption. The representative also advised me that PennyMac sent a property tax payment to my county on XXXX/XXXX/2016. This was weeks after PennyMac received a tax bill that I sent to PennyMac showing a zero balance.The representative also told me that PennyMac would have to wait to receive the payment back from the county before they could refund it to me, which is their mistake for making the payment in the first place. Why did PennyMac pay a tax bill that I did n't have if they supposedly did a tax research and contacted my county.The reason is because they did n't do anything regarding my exemption. I dont understand why PennyMac does not want to release my escrow to me when by law they had 30 days to return my escrow after receiving the documentation that I had a zero tax bill. The other problem is as the months go forward without a resolution and I am still making property tax escrow payments to PennyMac because they have not adjusted my account. I also have email documentation showing the responses from PennyMac regarding this case. I am also trying to do a VA streamline refinance with XXXX XXXX to get as far as I can away from PennyMac. The state and federal government agencies have extended many benefits and exemptions to XXXX veterans and their families and I do n't understand how these banking institutions feel like they are above the law and take these benefits from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i requested proof because i never used XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I asked XXXX for proof and it 's been over 90 days and they never responded to me. These are not my charges and will not provide me with proof with either of these debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
transunion does not give any information about collections in the free credit report, it is unclear if there are any or they are withdrawing information to be provided after a fee ( and maybe available publicly without an individual 's knowledge )

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 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2016 my XXXX accounts were compromised. At that time I was using my XXXX checking account to pay bills online. XXXX of these was my XXXX account. While the XXXX account was frozen, the XXXX payment I had made was denied, but I did n't know that until receiving my next XXXX statement with a late charge. I called XXXX to explain, they mistakingly understood my XXXX account had been compromised and closed that account and issued a new credit card. The balance was transferred to the new account. I reissued the payment, but XXXX did not remove the late fee. I called again and they confirmed they received my payment and agreed to remove the late fee since the situation causing the late charges were not in my control. However the next statement showed a credit of the previous late fee, but there was a new late fee on the earlier late fee, and the battle continued and explaining continued. Each month they credited the previous late fees, but did so after the closing date so new late fees were incurred. My daughter got involved and after numerous calls, endless explanations, and dealing with an extremely rude XXXX customer service rep, she was able to convince XXXX that the original, very small balance, had been paid in good faith and the late charges were in error. All fees were reversed and the account was brought to XXXX balance. There should be no negative credit reporting from XXXX on this account. It has caused my credit score to drop over XXXX points in the last few months and I was just denied a XXXX XXXX credit card because of this. As you can see I have very good credit scores on my other accounts. Please rectify the XXXX erroneous 30 day late entries on the XXXX report. Thank you.

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 2021-12-28
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Company : Coinbase Issue : After creating a brand new account and following the directions provided by Coinbase, I received a notice that my 'buying ', 'selling ', and ability to transfer money were all disabled. It's strange because I have no debt, plenty of funds in my checking account, and a clean financial record. I asked Coinbase support for an explanation and was told that- they can not provide an explanation and can not elaborate on internal decision making. 

Luckily, I have no funds in Coinbase - but I can't imagine this happening if I had actual funds linked to a Coinbase account. Coinbase needs to provide some level of transparency. I would like Consumer Finance to review Coinbase 's user agreement and suggest recommendations on how to protect users from Coinbase 's ability to shut down accounts at random.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX leased a XXXX from XXXX XXXX XXXX in XXXX, NJ. Ally Bank financed the lease. XXXX turned the car in to XXXX XXXX XXXX in XXXX XXXX, NJ because I leased another car. Sales person checked the old car out for damage and called Ally for payout figure. I agreed to damages totaling XXXX for the front bumper and on XXXX/XXXX/14 my daughter sent a check for that amount to Ally Bank. Ally is looking for an additional XXXX for damage to the left front fender that was not there when I turned the car in. My daughter, XXXX XXXX, has made numerous attempts to resolve this issue but Ally refuses to speak with her. I am hard of hearing so I sent Ally a letter giving them permission to speak to XXXX but they refuse to talk to her.

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 2021-12-28
Company: Consolidated Recovery Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good afternoon we have attached the fraudulent account number it is XXXX When were first contacted Consolidated RCVY GRP in early XXXX we told them that the customer that we did work for committed fraud and a other felonies by having us to do the work and not paying us and then this same customer contacted XXXX XXXX XXXX the ( Original ) Debt Collector that they never received the services that we provided which is a lie XXXX XXXX XXXX attempted to collect {$8100.00} but however the original amount was {$6500.00} they received a cease and desist order prior to all of this from collections and reporting it on our personal and buisness reports for all of the 3 major credit bureaus and they still disregarded the law and the Original Cease and Desist Order that was emailed and mailed to them and yet Consolidated RCVY GRP still illegally put it on my credit report this company even made it look like it was a new debt that was being collected in XXXX of XXXX and this account is more than 3 years old and fradulant something needs to be done about this it was perpetrated by a customer so that they would not pay a debt that they legally owed to XXXX XXXX and we feel that Consolidated RCVY GRY and XXXX XXXX XXXX are equally responsible for illegally trying to collect money that this customer rightfully owes to our company Cosolidated Recovery Group XXXX XXXX XXXX XXXX allowed a customer to fraudulently say that they never received services and they did we even went as far as to send proof that work was done to XXXX XXXX XXXX but no avail Consolidated RCVY GROUP needs to be fined and or jailed and sactioned by the United States Government from doing any form of collections or collection referrals this company does not follow the law at all and people need to held accountable because they are committing fraud against me and my company.We have have attached the legal and binding Cease & Desist Order for Conslidated Solutions GRP please reference the date of the order they are violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
i made several purchases over the last few months using Amazon credit card. I used the promotional financing option of 6 months no interest. I received a statement last month that had several of the purchases and a list telling me when the offer expired. This month i have interest fees because not all my purchase " qualified '' for the promotional financing. No where on the bill does it say what qualifies and what does n't. Additionally if a pay the unqualified portion i have to log in and adjust the payment because it will be spread out over the total balance rather than the non deferred interest ones first. I believe this is deceptive and predatory lending. I call and complained but got no satisfactory reply other than we are sorry you are confused.

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 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation