BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: CA
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 there a accounts attached that have 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 a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 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 604 A Section 2 : 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 explanation
Consumer complaint received 2022-04-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I filed a complaint with the case number XXXX. However I received a response letter from the business for another case XXXX for someone else. I attached the response letter to this complaint. I can not believe this is the way HSBC treat their customers. 

Here is my original complaint : My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

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 2022-04-08
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2021, I sent Chase Card member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXXh Chase Card member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). Chase card Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX which i am not able to make payments online, through mail, or phone. Chase has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX  ( violation 15 USC 1692 ( f ). attached are sent threats by Chase of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing Chase Card member service still attempting communication of account XXXX  by stating that its 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: MoneyLion Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I noticed an alert notice from XXXX. It said My credit score had dropped 14 points and I was very concerned. 
I realized it was a company called Money Lion, it says it's a secured loan I've never received any funds from them I've never opened the account and it says it was opened XX/XX/2021, And now it's reporting me 3 months late and it's not and it's not my account. I tried reaching out to the company via the phone number. This is the phone number that they have listed XXXX. When I have tried to call to see what was supposed to have gotten or purchased, it says the number is no longer in service. I'm very frustrated and I have no where else to turn I did a dispute via XXXX on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
Experian has failed to remove this inaccurate account from my credit report. I do NOT owe XXXX XXXX any money nor was I ever late. My insurance company settled the balance, and this account was NEVER LATE. Delete this account from your database because it is harming my credit worthiness and preventing me from obtaining new 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 2017-06-03
Company: Credit Protection Association, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX ,    2017  I was mislead into paying a past debt for  XXXX   XXXX   XXXX . I was told by the collection representative if the account is paid in full it would be deleted from my credit report with in 30days. I have called several times and was treated rude and disrespectful and was told they could not remove this for 7yrs. This company refused to remove this paid debt from my credit report. I also spoke w ith the manger at  XXXX   XXXX  company who stated she would submit a reques t to Credit protection to have this debt removed from my credit report. I have contacted both   companies several times and nothing has been done.

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 2021-11-15
Company: EQUIFAX, INC.
State: MA
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX application was turn down due few false things they claimed they saw on my XXXX credit report and I dont have a high amounts on my credit cards and I dont have large amount of inquiries reported on my credit file. And my balances on my credit cards are not too high .. this is discrimination and I want to voice my opinion how America express is treating customers based on there skin of XXXX .. and i no longer interested in applying for America express Im asking them to remove my inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: CA
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 contacted XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: CT
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 have paid off my mortage with XXXX. XXXX sent a letter confirming that it is paid off. However Equifax refuses to update the record. They scripted the site so that I can't send them any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This complaint is regarding the cryptocurrency exchange Gemini and i have been using this exchange from XXXX XXXX XXXX. 

On XX/XX/21 and XX/XX/21 I used the exchange to buy {$1000.00} of the crypto token BarnBridge ( Ticker : BOND ). Both transactions were for {$500.00} each. 

The average price of the token ( blended rate for both transactions ) was {$27.00} per token. 

On XX/XX/21, the price of the token rose to > {$40.00} per token, reaching as high as {$55.00} per token. During this time, i made multiple attempts to sell my tokens and was unable to due to some arbitrary limit set by the exchange on my sell order ( please see picture evidence attached ). Surprisingly, while the price was fluctuating, it seems like i was unable to sell when the price was > {$40.00} but able to sell it mins later when the price was < {$40.00}! 

I am attaching 3 imagines here : - Picture 1 shows inability to sell at XXXX EST when the price was {$48.00}. 
- Picture 2 shows ability to sell at XXXX EST when the price was XXXX {$37.00}. 
- XXXX XXXX shows inability to sell at XXXX EST when the price rose to {$45.00}. 

The error i kept getting when the price was high was that i can only sell a minuscule amount, amounting to ~10 $! However when the price was low ( {$37.00} ) it was allowing me to sell my entire position. 

This seems like a breach of contract that the company has engaged in when not allowing me to access the market! Please look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
They are reporting wrong information about name and address

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 2019-12-10
Company: ALLY FINANCIAL INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am the co-signer for 3 commercial vehicles through ALLY. The company that the vehicles were financed through filled for bankruptcy in early XXXX, and Ally closed our account and removed access from their payment portal shortly thereafter we must assume. When we tried to make the XXXX payment, we encountered the account closed and portal access removed. We immediately called Ally and were given a set of instructions to mail three separate payments to a PO Box , which we did. 31 days after or so in XXXX, we received a notification from my credit monitoring service that I had three late payments. ALLY claims that they never received a payment, while I spoke to the customer service person, before transferring me to the bankruptcy department, and she said that it was never processed as the account was closed. We never received any communication from Ally that our payment wasn't received or a process for payment, as the co-signer, while the bankruptcy was taking place. ALLY reported it to my personal credit as the co-signer without any communication to me. As soon as we found out that the payment wasn't processed, we immediately made a double payment through the bankruptcy department and set up a bank auto pay, to keep tabs of any future activity.

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 2017-06-03
Company: Action Financial Services, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The US dept of education have garnished two months of my SSI ( XXXX ) without my knowledge, I am a XXXX XXXX person, I have tried to reach out and the Dept sent me to a collection agency and for obvious reason I got nowhere with them, I tried to explain that this is for my XXXX meds and my car payment and they did not seen to give a XXXX XXXX XXXX XXXX I even looked on my ss website and it 's not showing up as a garnishment, like I mentioned no contacted me to even make payment arrangement, and according to the rules if you 're XXXX XXXX you 're forgiven for the loan and I 've been XXXX since 2008. Please help because I need these meds and I need a car to get to my doctors. Thank you kindle. 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 2019-12-10
Company: Santander Consumer USA 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 information incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and Santander Consumer USA have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
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: Account status incorrect

Complaint:
Here we go again with Equifax. 
They are showing my mortgage as late in XX/XX/2020 and I am not. They were directed to change this mistake by XXXX XXXXXX/XX/XXXX earlier this year and they did not. 
I have attached a letter from XXXX explaining this. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: FREEDOM FINANCIAL NETWORK
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Resolved debt through XXXX XXXX XXXX selected by debt reduction company Freedom Debt Relief in XX/XX/2019 for {$11000.00}. The precedings were held in XXXX, NC. The law firm as well as XXXX have filed documents concluding the debt collection. Freedom Debt Relief has not acknowledged the resolution and they have not adjusted my account. I have called and emailed several times but they have not performed their duties in accounting for the debt resolution. They wish to continue drafting my account monthly and collecting fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have been a long time Customer with XXXX. I have their store credit card XXXX account # XXXX XXXX. Last year I suddenly received a debit collection call and got called at my job in a XX/XX/2017. The call caught me off guard and honestly I was very embarrassed to get the call at my job. The person on the phone was extremely rude and aggressive with the call the purpose. They harassed me over the phone to make a payment option so i did. I told them I had NO idea I was late on my XXXX payment so to know I am in collections is a shock. The person couldnt careless they went on with their written script and put me on a payment plan. Since then Ive tried to call XXXX ( XXXX ) and have been told my account is no longer with them. The repsentative referred me to XXXX creditor telling me that XXXX was the creditor for XXXX. I called the number provided by the rep ( XXXX ) and it routes me back to the debit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased a ticket for {$61.00} from a vendor called XXXX for a performance on XXXX, XXXX, 2021 at the XXXX XXXX In Washington , DC. 

On the night of the show, I went to the theatre to find it closed. I believe the city forced the concert to be canceled. I never received any communication from XXXX. The next day, I emailed them to request a refund of the ticket price. I have yet to hear from the vendor and phone calls always get a taped message that says call back later. 

The following week, I filed a dispute with the issuer of the credit card, Capitol One and they immediately, refunded the {$61.00} back to my card. 

On XXXX XXXX, 2021, Capitol One took the {$61.00} back from my card. When I called to inquire about this about face, I received a response that did not make any sense. Please help me to get my money back from Capitol One. I have attached a document to help you with your inquiry. The last four digits of my credit card number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-03
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
NOTICE OF ERROR ;  XXXX   XXXX  HOLDS VOID ASSIGNMENT THEREFORE HAS NO RIGHT OR STANDING TO FORECLOSE ( WRONGFUL FORECLOSURE ) The Supreme Court of California held that a borrower on a home loan secured by a deed of trust has standing to base an action for wrongful foreclosure on allegations that defects in the purported assignment of the note and deed of trust renders the assignment void.  XXXX  v  XXXX   XXXX   XXXX   XXXX ,  XXXX .  XXXX  (  XXXX .  XXXX ,  2016  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation