BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened an HSBC Advance Checking account with a bonus promotion code of XXXX. This bonus promotion code stipulates that I would receive {$350.00} after meeting some conditions which include : Deposit {$10000.00} within 30 days of account opening and maintain {$10000.00} for 90 days. Also included in terms is that HSBC customers who held an account between XX/XX/XXXX and XX/XX/XXXX would not be eligible for this promotion. I can confirm that my previous HSBC checking account ( Choice Checking ) was closed on XX/XX/XXXX, which makes me eligible for this offer. I can also confirm that the initial {$10000.00} deposit was completed on XX/XX/XXXX and was kept for 90 days, well past XX/XX/XXXX. I have not yet received this {$350.00} bonus promotion. I have attached the terms of the offer. 

After contacting HSBC, they can not determine why I have not yet received the promotion. I have contacted them multiple times and each time no representative will escalate the call and constantly say " They have opened a ticket and will follow up '' with no follow up calls. Extremely poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
OM XX/XX/XXXX WE BECAME AWARE OF A FRAUDULANT CREDIT CARD OPENED IN OUR NAME. WE WROTE AN EMAIL TO XXXX WITH NO RESPONSE.

XX/XX/XXXX - MADE XXXX AWARE OF THE ISSUE BY EMAIL ON THEIR WEBSITE XX/XX/XXXX - CALLED BANK AND TOLD THEM IT WAS FRAUD - THEY ARE INVESTIGATING XX/XX/XXXX - FILED IDENTITY THEFT LETTER WITH FTC XX/XX/XXXX - MAILED LETTER TO XXXX XXXX XX/XX/XXXX - IT APPEARED ON CREDIT REPORT AS NEGATIVE XX/XX/XXXX - XXXX TALKED TO BANK AND " THEY ARE INVESTIGATING '' XX/XX/XXXX - RECEIVED PHONE CALL FROM COLLECTIONS XX/XX/XXXX - RE-WROTE LETTER FROM FTC FOR IDENTITY THEFT

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 2020-07-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX  XXXX  XXXX, 11 XXXX  XXXX  XXXX, 11 XXXX XXXX, 14 XXXX  XXXX  XXXX  I, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Was not notified of investigation status or results

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX  XXXX  XXXX, 11 XXXX  XXXX  XXXX, 11 XXXX XXXX, 14 XXXX  XXXX  XXXX  I, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a previous complaint about this discrepancy and issue and credit score drop and I found the discrepancy. When the update was made ; I see that the credit card closed date was changed from XXXX to XXXX. Please see the attachments This is what caused my decrease in my score on XXXX and what caused me to lose my home. What was the reason for the card closure date. 

Please reference complaints XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: ID
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:
I did not file this ch XXXX bankruptcy, nor are these medical bills mine. There are addresses and names listed that I do not recognize. Someone must have my information. Please remove it from my credit profile.

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 2017-06-21
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Moved shortly after purchasing new single wide and sold house back to company. Company even sent a check for the difference. Now on my credit report as a voluntary repossession which is not correct. No amount should be owed especially if company sent check after moving the trailer. Vanderbilt mortgage gave us no issue during transaction yet when checked credit report it 's now down as a collection which is terribly impacting my credit report inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Bread Financial Holdings, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
am XXXX, onn a recent trip to XXXX to visit my family I tried to check my balances on Coinbase. When I returned to the United States, I was surprised to find out that Coinbase had locked my access to my own account. They requested documents to show that I live in the US and I sent the same day my back account statements as they required. However, even after I resubmitted all documents requested I haven't heard from them in more than 12 days. It is impossible to get a person on the phone to discuss this issue. They only have email communication available but the response is obviously automated.I don't have access to about {$9000.00} dollars value in cryptocurrency. I contacted them several times and not resolution at this time, is not the first time I filled a complaint against them, last year they locked my account and was almost 1 month to gain access again. I need them to unlock account asap. Thank You for helping us on this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from 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 2018-10-17
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We received a notice at our rental property in XXXX, North Carolina that we were late on our loan and needed to call immediately to address the situation. The notice stated that they were the Mortgage company Mr. Cooper ( or NStar ). I called the number and they have set up a false answering service that mimics the actual Mr. Cooper phone service exactly. Our loan is through a different company, so that is what tipped us off that this was a scam. The phone number they left us is XXXX. The fake loan number they gave to me when I called is # XXXX. I contacted the actual Mr. Cooper and they verified that it was a fake loan number and that the number was not their customer service number. The scammers have clearly put some time into this fraud and Im hoping someone can investigate and stop them from hurting anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, 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:
XXXX XXXX is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX report & XXXX XXXX letter to me. Dates not matching, XXXX and Equifax states account was open XXXX but XXXX XXXX clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to resolve issues regarding a debt on my credit report that does not belong to me. My first letter to the credit bureau was in early XXXX I have asked to be sent copies of original documents signed by me stating these are in fact my debts but neither the original creditor or debt collection agency has provided these to me. All they have repeatedly sent to me is a notice stating the debt was confirmed but nothing was provided to me as asked. I have copies of all the letters I have sent to them XXXX original creditor and debt collection agency ) trying to get this resolved since XXXX with no avail. I have tried to resolve this with them before making a complaint but I now feel like I have no other choice. The companies I am referring to are listed below. I hope I can get this resolved quickly. 

Sequium Asset Solutions ( XXXX ) Acct # XXXX debt {$440.00} " Not mine '' I have a current account with XXXX since XXXX and I am still with them and my account is in good standing. I have asked for copies of original documents and none have been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX debt {$280.00} and Acct # XXXX debt {$370.00} " Not mine '', " Not mine '' It's from XXXX. No verification of debt has been sent to me. I have asked for copies of original documents and none have been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: MA
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 XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items below and update or remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: NY
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 the following XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I will be mailing the documentation to you. I have one and I keep deleting tons of complaints. This complaint is regarding Experian Credit Bureau. I did everything and they are only one I'm having problems. The person that stole my identity, has a account on Experian, under my social security, I told them in the later wrote on XX/XX/2021, I told them in letter because I could not log in their website because that email. 
I have XXXX XXXX and on XX/XX/2021 while in my backing acct their was link to Experian to check XXXX score. I clicked on link, and discovered Experian still that email under my social security number on my bank account. I told XXXX, because of Experian incompetence my bank acct has been blocked for 9 days!

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 2023-03-29
Company: EQUIFAX, INC.
State: MO
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:
I've been working on repairing my credit for the past month or so. I've asked to update my personal information due the fact that they have all of my old addresses and misspelling of my names on my personal report. I would like for these to be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-06-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following accounts are all fraudulent, has previously been deleted from my credit report by XXXX countless times and keep reappearing on my credit report : XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$19.00}, XXXX, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX/XXXX, {$1700.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$22000.00}, XXXX  XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$29000.00} and XXXX XXXX XXXX XXXX, {$370.00}

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
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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:
I am a Victim of Identity Theft. someone Use My Personal Information Without My Authorization. Plesae block and Removed these accounts From My Credit

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 2019-06-23
Company: EQUIFAX, 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:
This is for the Consumer Financial Protection Bureau and the credit bureaus. My husband passed away and I want to get his credit reports marked as deceased. This is harder than it should be. This is important to do to prevent people from using it. It would be nice to send the info to one credit bureau and they propagate it to the others. As it stands now, I have to send info and death certificates to all of them. Ideally, it would be nice if funeral parlors could notify the credit bureaus if the family wants them too. They notifiy social security, so why not credit bureaus too.

Company response to consumer: Closed with explanation