BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: Winklevoss Exchange LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have had multiple trades get stuck in a pending status in stop limit. One of them was triggered way after I tried to cancel it and has since rebounded which cost me thousands of dollars. I have another one pending for XXXX XXXX at XXXX which should not trigger and I've wanted to cancel it for 24 hours now and can not. If it triggers and I wasn't able to sell it at the current price I wanted to today, XXXX, it will cost me {$7000.00}. Please just release my XXXX to me so I can trade it. This is so scary and frightening as a consumer to be held hostage by a company like yours with customer support that is not sufficient to handle the volume of requests. Please fix this and don't hold my assets hostage. My email is XXXX to locate my account. I can be reached at XXXX. Please fix this ASAP and email me that it is cancelled. If I need to provide any information, please let me know! This is just unacceptable. 

Unlock my assets stuck in a stop limit order and consider reimbursing my trading fees for the past week as you've already cost me thousands of dollars with your site failures. Please just make this right. I'm the little guy and this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, XXXX. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.

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 2022-11-21
Company: EQUIFAX, INC.
State: KY
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, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX  XXXX XXXX # XXXX, XXXX, XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXXr # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX - Direct Loans # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: MI
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:
Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
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:
I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-05-20
Company: Comerica
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
they have had it listed as a charge off for over 4 years per Texas state law it should be removed they are not doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Point of Grievance : Bad faith business, and seeming " bait and switch ''. AmEx XXXX XXXX promo offered XXXX XXXX XXXX points with a {$2000.00} spend within the first 3 months of signing up. This was *not* honored. 

XX/XX/XXXX - I called American Express with interest in signing up for the XXXX XXXX card. I wanted to know whether I'd a. ) be able to receive the bonus and b. ) if, when I sign up I'd be able to receive the card number to make a purchase immediately. I was told a. ) yes and b. ) they can't guarantee whether I would receive a card number immediately as it's system generated. They asked if I'd like to sign-up over the phone and I told them no, that I would do so online. 

I signed up -- there were no pop ups stating I was not eligible for this promo. Immediately after signing up I signed up for a XXXX XXXX number and after, receiving the card number, on XX/XX/XXXX I booked a weekend at the hilton for over {$2000.00}. 

The card was paid off in full after receiving the first statement. I only have three cards with American Express. I don't " game '' the system and all cards are active and used base on the situation. 

It has been numerous phone calls with AmEx with no resolution. If I was ineligible for the promo I should have been told before my credit was pulled and before I spent any money on the card or hotel. Further -- I should be told exactly why I can not receive the promo. The best I've received is that " it is declined ''. 

This is bad business. It's business done in bad faith if AmEx can not be transparent. And it borders on fraud if it's a " baith and switch '' which is very much seems to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt belongs to someone who lives in North Carolina. In fact, a North Carolina address is now showing up on my credit report. I have never lived in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NJ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have an account with Binance.us, it's the USA version of Binance.com for US based customers and have over XXXX in there. 

I tried logging in almost 2 months ago but got a message saying my account was locked with no explanation as to why it was locked. Opened a ticket to get it resolved but it's nearly 2 months later and still nothing. 

They did respond to me a month ago but only said it was being looked at and no communication since. Here 's a screenshot : https : XXXX XXXX case number is XXXX. 

TONS of people are having the exact same issue of being locked out of their account, many even longer than me. I've tweeted at their CEO and on their official XXXX account, have brought up my issue on their XXXXXXXX sub like many others have and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Public record information inaccurate

Complaint:
All three Credit Bureaus Equifax, XXXX XXXX, and XXXX are violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. They are also violation my right to privacy under 15 US Code 1681 Section ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: PA
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:
Today, XX/XX/XXXX I contacted XXXX Credit Card Customer Service and supplied my social security number to them to investigate the issue that appeared on my credit report saying that I have had a balance of {$440.00} on a XXXX Credit Card through XXXX since XXXX. The problem with that being in XXXX I was only XXXX XXXX XXXX and I opened no such card and have never had a XXXX Credit Card my entire adult life. So the fact that this has been plaguing my credit report and causing me serious problems with my credit score was something I only recently found out and decided to further investigate. I contacted Equifax and the informed me that for them to resolve this matter and remove the incorrect account from my credit report I would need to file an FTC report. Which I am assuming is what I am filling out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/23 4 phone calls and they would only say this was for XXXX XXXX XXXX and no other info. It was for a location in Colorado and we are in Arizona

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 2020-04-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing this due to non-compliance with FAIR COLLECTIONS & OUTSOURCING. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a call on XX/XX/XXXX but it went to my voicemail. I decided to listen to the voicemail today XX/XX/XXXX. So, I called the company back not knowing any details besides a threat was left. I wanted to know what it was regarding. The man at first hesitated in telling me any information. He then verified the last 4 of my ss # and my old address. He rattles on and tells me that he is with HSBC ( collections for credit card ). He told me that since I did not respond litigation had been pursued against me. I advised him that I never received a letter because I no longer live at that address so I dont know how this is possible. I havent lived there since XX/XX/XXXX. He began to become very rude and said,, Well, Our attorney will see you in court. We can seize your car anything else. I informed him I have not worked since XX/XX/XXXX due to me having a XXXX XXXX XXXX XXXX and XXXX XXXX. I advised him that I was trying to get social security. He didnt care, no empathy, no compassion just rude and threatening to take my car which I dont pay the note. I dont even drive it due to me staring to have XXXX. I deal with XXXX, XXXX and XXXX. I have Medical documentation of my diagnosis. I told him I dont have a job and you can not get blood from a turnip. When I was working I paid all my bills, but Im not in a position to do so. Threatening me caused my XXXX to kick in and triggered a XXXX XXXX which I see 2 XXXX for. XXXX  is a trigger. I have nothing. The amount could not be any more than 600.00. Just lie they want to sue me ; I want to sue them for harassment, emotional, mental abuse and threatening me. Its a way to talk to anyone. I have XXXX  so I could not drive if I wanted to which is documented in my medical records. I dont have a one to bring me to court over 600.00 when Im fighting to survive the issues Im going through. So now they expect me to jeopardize my life and others never knowing when a seizure may come on. I take med daily that knock me out for the XXXX XXXX. I have them daily ( night, middle of the night and when I wake up. The agent was just really rude and hung up in my face. He said they were a credited with the credit bureaus which is a lie. I have nothing no money on the bank ... .NOTHING. If O could steal work I would and pay this debt but I cant. I wonder if he could feel what I feel would he treat me differently?

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate This account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX Balance : {$0.00}

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to XXXX, Transunion, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When attempting to close my account due to avoid credit reporting XXXX stated that using their services does not affect your credit report therefore I continue to use them. Nevertheless, due to an unavoidable crisis, I was late and XXXX reported every account on my credit report which in total XXXX accounts significantly dropped my score to below XXXX. I contacted an agent who stated to me that after I caught up with the payment XXXX would remove it from my credit report. I caught up with my payment and XXXX did not remove them from my credit report. I called again and the agent stated that they do not have control of the accounts as reported it was the credit bureau. XXXX falsely advertised having an account with them does not affect your credit score to prevent people from closing their 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 2023-02-03
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XXXX XXXX XXXX  to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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