BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: PA
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:
credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. 31 usc 3123 payments of obligations and interest on the public debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for XXXX. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is Sessoms & Rogers PA. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My credit card was blocked by HSBC while i was having my vacation in XXXX. I have made a complaint regarding this issue and CFPB has closed the case after the company responded. However, I am very disappointed and dissatisfied with the respond and answer given by HSBC.The previous complaint case is XXXX. 
I have received the HSBC replied letter on XX/XX/2018 and followed their instruction by signing and sending back the document on XX/XX/2018. On XX/XX/2018 I finally received a call from HSBC which mentioned that their call was to unblocked my card. The staff verified me by asking me some questions and i got transferred again and put on hold on the line for more than half an hour. They're really treating their customer as XXXX by transferring here and there. Finally, my card was unblocked after i made a call on XX/XX/XXXX again which i have to gone through another round of verification. 
I totally dissatisfied with services and treatments that HSBC ( who claimed they're world class bank ) treating me. Firstly, before HSBC approve my card, isn't the company has done all the necessary verification and checking? As a huge and world class bank, i have doubt their policy and compliance. Secondly, If i did not made a complaint through CFPB, I think my card still is under status blocked which nobody from HSBC cares. Consumer like me is totally disappointed with this kind of treatment. Thirdly, from the letter that HSBC replied that they mentioned they unable to compensate me the bonus points as it is still under the promotion period which ends XX/XX/2018. This is totally unfair to me as the promotion period supposedly to be three months. However, HSBC has blocked my card and do not care to take up my case for more than two months. Yet they replied me that my card is still under promotion which is from XX/XX/XXXX where my card was finally got activated until XX/XX/2018. How ridiculous is this. Last but not least, I was unable to shop and buy the items i wanted during my vacation in XXXX. It was really a very negative memory and disappointed two weeks vacation which i have to kept calling the so called word class bank and spent on my limited cash on hand. 
In addition, if the HSBC has done their checking and compliance properly, on XX/XX/2018 I could have spent more than XXXX dollar at the XXXX outlet. Which means, I have qualified for the bonus points on XX/XX/2018 and I have the evidence that I got rejected due to my card was blocked. It was so embarrassed that I kept trying and got rejected in the jewelry shop where everyone looking at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-01-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian has nothing on my credit report so my credit from them is the lowest than XXXX or XXXX. XXXX doesn't have anything on my credit report. The only credit report company that has updated information is XXXX. Due to Experian and XXXX, I get denied for even a small loan of {$500.00}. I can't even get an apartment due to Experian and XXXX being incorrect.

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 2022-03-17
Company: Exeter Finance Corp.
State: GA
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:
Hi bought a car financed it through Exeter financial via XXXX. I later found out that XXXX has an ownership interest in Exeter and they did not even try to find me a lower interest rate. My interest rate was 28 % I was able to refinance my auto loan through upstart for 12 %. XXXX mailed a check to Exeter on XX/XX/XXXX to pay off my account. There was an overpayment of {$140.00}. I have not received the check back for the overpayment when Exeter reported to the credit bureau instead of reporting it as a paid off loan they reported it as a delinquent of {$20000.00}. I have tried on several occasions to get Exeter to get it corrected or to even respond to me. With no luck. My complaint is my credit score dropped XXXX points when they did that. I also need my overpayment check and I would like an explanation as to why Exeter and XXXX put me at a 28 % interest rate rather than a company that had lower interest rates that I qualified for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to dispute information on my credit report that is definitely inaccurate and should be removed. This information is incorrect and should not be included in my credit report : XXXX XXXX XXXXXXXX

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 2023-06-19
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.

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 2023-02-16
Company: ERC
State: TX
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:
After sending several correspondence beginning on XX/XX/2022 to this company in regards to the incorrect data placed on my credit report. I know it is my right as a consumer to request this company to validate this debt. I never received the information requested, I only received correspondence stating that this account was verified. I requested the method of verification and an audit trail and still nothing was presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
WE OPENED A RESTAURANT IN XXXX OF XXXX. IN XXXX OF XXXX WE SHUT THE RESTAURANT, BECAUSE IT WAS FAILING, AND WE THOUGHT THE CHEF WAS STEALING. WE MADE TD BANK USA AWARE OF OUR CONCERNS. ORIGINALLY WE OPENED A CREDIT CARD IN MY NAME, AND XXXX CARD WENT TO ME, ANOTHER TO THE XXXX. WHEN WE CLOSED THE BUSINESS, WE TOLD THEM WE NEED TO PROTECT AGAINST THE XXXX. THEY INSTRUCTED US TO LOCK THE CARD, AND REMOVE HIS ENTITLEMENTS TO BANK ACCOUNTS, WHICH WE DID. 3-4 MONTHS LATER, AFTER THE XXXX HAD GONE HIS SEPARATE WAY, WE STARTED GETTING HIT WITH ANNUAL RENEWAL FEES ( NEGATIVE CONSENT ; UNLESS YOU CANCEL, IT KEEPS CHARGING ANNUALLY ) FROM XXXX XXXX XXXX, AND WHATEVER SERVICES THE XXXX  HAD SIGNED UP FOR. I EXPLAINED TO THE BANK THE BUSINESS WAS CLOSED, AND WE WERE NOT RECEIVING ANY PRODUCTS OR SERVICES, AND THEY SHOULD NOT HONOR ANY CHARGES. AFTER MONTHS OF BACK AND FORTHS THEY TOLD ME THEY NOW FIRST SHUT DOWN THE TOKENS???, AND THERE WOULD NOT BE ADDITIONAL CHARGES ( WHAT THEY SHOULD HAVE DONE FROM THE BEGINNING ) BUT THAT I NEEDED TO PAY THE CHARGES THAT ALREADY EXISTED. I REACHED OUT TO THE XXXX XXXX  OFFICE TO TRY AND SPEAK TO XXXX XXXX, WHO HAS IGNORED A DOZEN EMAILS FROM ME TO DISCUSS. IN SUMMARY, THE LOWER LEVEL EMPLOYEES WERE NOT TRAINED PROPERLY, AND THEIR CUSTOMER SERVICE IS UNRESPONSIVE. PLEASE HELP!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX In : 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 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 : XXXX XXXX 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give XXXX XXXX XXXX permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the XXXX XXXX XXXX XXXX XXXX Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXX XXXX  and I also submitted another complaint ( after sending XXXX via email and speaking to two representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , XXXX XXXX XXXX  at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.

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 2022-03-17
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On the XXXX of XXXX, I had deposited XXXX into my XXXX wallet which is in my Gemini account. I then proceeded to purchase the crypto currency XXXX and tried to withdraw the funds to an external wallet. As I try to wirhdraw it an error message comes up saying Withdrawal not available : Temporary security period. I emailed Gemini the same day to sort the issue and received a reply stating I should upload a selfie holding a piece of paper and my ID. This task was very difficult as they was asking to be able to read the information on my ID. After multiple tries, they finally accepted the selfie and told me that this case will be escalated so I can withdraw. However for 2 days I didnt receive any response or update. I had to chase them up on XXXX with no reply. I then went to XXXX where I had to create multiple threads in order to receive a reply. I was then emailed by Gemini again and this time was asked to upload further documentation. I uploaded my bank statement and all till now I have not received a reply nor have had access to my funds. While Gemini has the right to close any account for any reason they do not have the right to freeze and hold your assets without a legal reason. I have not been provided a reason as to why my account is frozen and I have a lot of bills to pay. My money being held is putting me at distress. It has been more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed incorrect information and requested these inquiries be removed immediately, or provide validation for these inquiries which was not provided, and they were not removed. I have expressed having an identity theft report and have tried endlessly to get these removed. They have violated law 15 U.S.C 1691 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2023-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The account that you must remove is listed below : XXXX XXXX {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: REGIONS FINANCIAL CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX I took out a loan with Regions Bank for the purchase of a personal vehicle. Over the course of the loan there has been a couple issues with payments not being applied correctly or in a timely manner. 

On XX/XX/XXXX I submitted vehicle loan payment to Regions Bank for the amount of {$800.00}. Approximately one week later Regions Collections dept called and advised that they have not received payment and needed payment to be submitted at once to keep the account from going to collections. At this time I contacted my bank ( XXXX ) and received a proof of payment AND a copy of the check that was sent to Regions. This copy of the check was endorsed/signed. This info was provided to the collections department ( XXXX ) on XX/XX/XXXX. XXXX advised that she was going to have to escalate this issue and have it investigated by Regions. XXXX also advised that Regions would contact me and let me know the status of this issue. On XX/XX/XXXX I contacted the collections dept again and was told that they still did not have any resolution and I should speak to a supervisor. I was given the name of XXXX and spoke to him on Monday XX/XX/XXXX. He also advised that this was going to need to be investigated by the Region team and to call back on XX/XX/XXXX. At this time XX/XX/XXXX I also submitted a copy of the proof of payment and a copy of the endorsed check to XXXX. On XX/XX/XXXX I contacted XXXX regarding the issue with this account. He stated that Regions did look into the account even after reviewing the XXXX supplied Proof of Payment and copies of the check Regions will not apply the money to my account. Regions stated that it is up to me " XXXX '' to prove to Regions that the check has been cashed. 

Regions has provided no assistance in correcting this issue other than advising me that they supposedly do not have they money and I need to prove to them that they have the money before they will apply the payment to my 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 monetary relief
Consumer complaint received 2017-04-06
Company: CITIBANK, N.A.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I do n't have a Sears card anymore, I did n't Renew it. XXXX was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : 1. XXXX XXXX : Account number XXXX  ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$370.00}. 
2. XXXX XXXX : Account Number XXXX   ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$9800.00}. 
3. XXXX XXXX XXXX XXXX ; Account Number XXXX  ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$1100.00}. 
4. XXXX XXXX XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$910.00}. 
5. XXXX XXXXXXXX XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXXXXXX   ; Highest Balance {$840.00} 6. XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXXXXXX   ; Highest Balance {$51000.00}. 
7. XXXX  : XXXX ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$720.00}.

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 non-monetary relief