BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had opened and funded a new online choice checking account with HSBC in XX/XX/2019, following a link on their main page that qualified you to earn a bonus of {$200.00} if you used a link on their landing page and maintained a deposit of {$1500.00} or more for 3 consecutive months. 
The bonus amount was to be credited to my checking account within 8 weeks of the 3 month threshold. When I checked in late XXXX after I had satisfied the bank 's requirements fully, I didn't see the bonus amount credited. I chatted with their online chat rep and she confirmed after reviewing and researching my account details and history that I had met the requirements and should have received the bonus. She told me she's logging a ticket to get this issue resolved and I should see the bonus deposited in 5-7 business days. I again checked after 10 days and still didn't get my bonus amount. I called their call center in mid XXXX and the rep logged another ticket and told me we should have an answer in 3 days or less. I checked after 5 days and still no change. I called their call center again on XX/XX/XXXX and they advised me they don't know what has happened and the rep who opened the ticket will be the only person who can provide the status. After long wait, I got a call that I will not be getting the bonus because I didn't use the " right link '' from their landing page. 
I think this is a flimsy excuse with no backing facts to deny the bonus, when all this while over 6 months I wasn't made aware that I would not qualify. I feel like HSBC was not transparent, they cheated and defrauded me while holding on to my funds for over 6 months. I am sure, I am not the only consumer who is facing this situation, there might be 100s or even 1000s more who fell in this trip where HSBC can conveniently deny the bonus amount on flimsy grounds leaving consumers stranded while holding on the free capital in hundreds and thousands of dollars, i.e., free money. I have initiated withdrawal of all my funds and will be closing my account in the next 1-2 days. 
This amounts to a fraud in my opinion and HSBC should be investigated to see the depth of financial crimes in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: National Credit Adjusters, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am diligently checking my consumer report and I have found reportings that are violating my rights as a consumer. I need this item to be updated as paid on time as it is hurting my good name. The account XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | XXXX / XXXX XXXX XXXX 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am filing this complaint against Capital One Bank for taking adverse action against me damaging my credit worthiness after I made contact expressing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: SC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 reached out to XXXX several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.

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 2022-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Take NOTICE ... This is my final request to have these deleted 2. Account Name : XXXX XXXX  XXXX Account Number : XXXX off my consumer reports and credit reports... .Each response in this portal will show your ignorance and negligence to the law as not one response addressed the complaint. Each complaint in this portal will be used as record for proceedings that this was to be resolved before you will need to accrue attorney fees for your company. .Delete it or i will be contacting an attorney to sue your company in 10 days or i will file a federal law suit myself. 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began recieving calls from a company claiming to be a debt collection agency. They claimed that I had an unpaid medical bill from a hospital that I had been to, but I had never received any such bill or communication from the hospital itself and thought I had already paid all of the bills incurred during my visit. Further, the debt collection agency said they had sent written letters/bills to me, but they did not have my correct address. When I provided my correct address I began receiving bills but never received evidence of the original hospital bill or what the charge was for. Further, the letters were not printed on letterhead, were never in the same format, listed different amounts due within the same bill, and the only payment option listed was to mail in a check. They then called me again asking me to pay, and only then gave an online payment option, which had no login information, account information, or way to confirm the amount owed, and I was expected to just enter an amount to pay without any security or confirmation that this information was correct. They have continued to call me regularly to collect the debt, which at this point I don't even think is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a previous complaint about Convergent Outsourcing back in XXXX of 2021 because they were attempting to collect a debt that was already paid and should have NEVER been in collections. CFPB erroneously closed that complaint and since then I have received horrible and illegal treatment by Convergent Outsourcing. After confirming that my debt was paid, Convergent Outsourcing is now attempting to extort me for {$110.00}. 

Convergent Outsourcing is claiming that if I pay this amount then they will recall the debt and remove it from Credit Bureaus. I would like to note that Convergent Outsourcing themselves claimed in my previous complaint with the CFPB that this debt was PAID IN FULL to the original creditor. Therefore, they should have never reported it to credit bureaus since they do not, and have never, owned the account. Now, even though the balance I owed the original creditor was PAID IN FULL, they are attempting to extort me to get it removed from my credit report. This is illegal and my rights are directly being violated by Convergent Outsourcing. I have consulted with legal counsel and I intend of pursuing legal action to the fullest extent of the law if the CFPB does not rectify this 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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-09-30
Company: CL Holdings LLC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Either the day before or on XX/XX/XXXX I was scared and tailgated by a XXXX  man with XXXX  hair all black sunglasses viciously tailgating me in my hometown. He had out of state Colorado License plates. That same day a collection suit was filed against me by a Jefferson Capitol Company. The Lawyer lives in Colorado. He did not put HIS OFFICE number on Court Documents. I filed an Answer to the suit. It is from a different company over 2 years old and they charged off the debt. I had paid them regularly on time for a long time. Getting a hold of this Attorney from Jefferson Capital was nearly impossible. They  fought/argued/were mean at the XXXX # he gave the Court as his #. They told me they would not let me talk to him. Demanded a ton of private personal information including my ENTIRE SS #. I finally did talk to the Colorado Lawyer who is suing me for a Minnesota Company-he did not care that I am XXXX  and have no income. I  have to do a Hearing and have been terrified all Summer. He Picked the Exact Day that I usually get my check on. Plus the EXACT MORNING HEARING TIME that I go outside to walk my XXXX  dog. I can hardly walk early mornings due to my XXXX. I believe he has stalked me and knows that. I asked XXXX XXXX of Nebraska for help they are ZERO help. This has scared me ALL Summer long. I pay my bills on time. This was an instance where they jacked up the payments to $ XXXXplus a  month and I tried to offer {$35.00} and they wouldn't take it. I feel this Lawyer who apparently does have a phone number was DECEPTIVE because it was never given on ANY COURT DOCUMENTS EVER. The Credit card charged off the debt already. He bought it. He is trying to get money from me that I do not owe Him. He had me Served on a Sunday. A Religious Day. ALL his Court documents " PRAY TO THE COURT FOR JUDGMENT AGAINST ME. '' Lawyer " PRAYS '' Against ME, I am a XXXX. This has been personal and terrifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 paid off several accounts and the credit reporting agencies TransUnion and XXXX  will not update or remove the derogatory information. The accounts XXXX  and XXXX  XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.

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 2022-04-05
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 non-monetary relief
Consumer complaint received 2022-07-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2022-12-12
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2020-09-30
Company: VW Credit
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I am contacting you with a complaint of unfair business practices and discrimination against VW Credit. 
I am scheduled to XXXX  to XXXX as a XXXX  XXXX  XXXX XXXX   employee with the XXXX XXXX on XX/XX/XXXX under military orders. 
VW Credit wont authorize me to ship my car which is ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Hawaii License # XXXX with the following XXXX # XXXX According to VW Credit the only vehicle owners authorized to ship their POV are XXXX XXXX  military. As an XXXX XXXX Veteran with ( 4 ) XXXX XXXX, I feel highly discriminated against. I have tried to refinance my vehicle and found the following issues : 1. XXXX will not ship to XXXX 2. XXXX XXXX XXXX denied my loan request 3. I can not use XXXX XXXX 4. I can not sell the vehicle as the balance on the car is more than the car is worth. I bought the vehicle in XXXX XXXX from XXXX XXXX. The dealership can not help me in this situation. 
5. Due to the car being upside down, it is almost impossible to sell the car to a private individual. 
6. At this short period of time, it looks like I must surrender the vehicle to the dealership I purchased it with and that becomes a repo. This will affect my career with the federal government and my secret security clearance status.

7. I have contacted a law firm and was told to contact your company regarding this issue. 
I am appalled that after several attempts to reason with VW Credit, they refuse to help resolve this issue. My XXXX XXXX is the second XXXX  I have had with VW Credit. I can no longer trust VW Credit as a veteran friendly company, not only for me, but other veterans, federal government civilian employees in the same predicament. Is there anything you can do on my behalf? 

XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions 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:
I was going over my credit file when I saw accounts and utilities that I have never opened. I found collections accounts from companies that I have never done business with. I have moved back from XXXX to XXXX a few times in the past 4 years. I am here in XXXX now. I do not know who has used my identity. I do not recognize the following accounts : 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****. who ever it is I believe they are still using my name and my name is even misspelled XXXX XXXX XXXX my correct spelling is XXXX XXXX. I have filed a report to the FTC as well as XXXX Police Dept.

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