BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a {$200.00} MasterCard gift card in California ( Card # XXXX ) at a XXXX store on XX/XX/XXXX. When I called to check the balance of the card, I was told that the card was not registered under my name and was told to open a stolen replacement card request. This card seems to have been fraudulently registered and used by another person since I have the physical card with me the whole time and never used it. I submitted all the info they requested on XX/XX/XXXX but never got a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, I applied for a cash back American Express card with the terms to spend {$2000.00} in 90 days and you'll receive a {$200.00} cash bonus. After I spent the {$2000.00} within the 90 days, I did not receive the bonus. 

I contacted customer service and this is what I was told : " Welcome offer was denied on your account. Your welcome offer eligibility depends on whether you have had the card which you are applying for in the past as well as other factors. 
I'm sorry for the inconvenience. There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. '' In the approved application, as well as the approval letter I received, it was not mentioned once that the card was approved but the bonus was denied. 

This is false advertising and a deceptive practice from American Express. While I was using the card thinking I was getting my welcome offer, American Express knew they were never giving it to me but they were happy that I was utilizing the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company 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 2022-11-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company 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 2023-10-27
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 I am a victim of identity theft please remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Following the FCRA, XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 - section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XX/XX/2023, Citizens Bank changed the mailing address on my HELOC without my consent, as I missed a payment, they never called me once and continued to send statements ( and I'm assuming demand letters ) to the wrong address for 8 months letting me fall further delinquent. While the address change was small ( removing the XXXX XXXX  ) my town does not deliver mail, and thus no letters were received. 

My credit has suffered due to the delinquent history to the tune of approximately XXXX points. 

No one is available at the bank to answer my questions, have tried several times to reach out through customer service and i keep getting bounced around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SANTANDER HOLDINGS USA, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting XX/XX/2022, my Santander checking account debit card was utilized by individual ( s ) in Florida who had no permission to do so. Santander, or merchants, reversed these transactions. I thought I was protected for future occurrences. Instead, transactions amounting to {$2100.00} were made, but no reversals were executed. 

Calls to the bank indicated that I should not worry. An investigation would be conducted. The results were that NO ERROR OCCURED. I questioned this, to no avail. The bank representative indicated that only new evidence would restart the investigation, and she stated that my PIN had been used. It seemed she blamed me for this. 

I have photo records of transactions, supplied by the bank, as well as photos of my bank account during these transaction. I am seeking reversals of all transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I believe MoneyGram is starting to profile my transactions or profile me personally. 

I have been sending money to the country of XXXX to my sister. I have been sending money for years using their service. I send her money last week, but suddenly they cancel the order. I resend it the same way I have been sending it for years, and they cancel it again. I called in to see what is the problem and they refused to tell me what she has done wrong completely. They kept reading the same script : the transaction is deemed unusual. I called MoneyGram again and request an assistance from a manager. He said your sister was banned permanently. I asked why? and he keep reading the same script. I asked how can fix the issue she is my sister and I have been sending money for years using your service. He said your sister is banned permanently. you may send to another person. I got her son info and added him as a receiver. I sent him money through MoneyGram and they take the money and cancel the order again with the same lame script. unusual transaction. I honestly believe this is a discrimination case or fraud financial transaction. MoneyGram is holding consumers money in every canceled transaction and they are profiting from it. 

Another explanation would be fraudulent business practice. If XXXX customers canceled per day and each one of them money is held for 10 days with an average of {$500.00} per transaction, that is a total of {$2.00} XXXX dollars held and MoneyGram is profiting from the interest they are collecting by all of these canceled transactions with very lame excuses.There is no transparency here, and MoneyGram is refusing to fix the problem. The government needs to look into this fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: UT
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:
A Franchise tax board lien was filed for the tax year XX/XX/XXXX in error against me when: 1. I actually had nothing owed to the state for that tax year.  2. My requirements to file were null since I moved out of the state of California in 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 2023-05-06
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTEXXXX 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 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

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 2019-09-19
Company: Coastal Credit, LLC
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: Investigation took more than 30 days

Complaint:
I opened a loan with Coastal Credit in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old.  There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX WHAT I WROTE TO DISCOVER CARD AFTER I WAS DENIED OF MY UNLIMITED CREDIT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX Discover card XXXX XXXX XXXX XXXX, DE XXXX Subject : Denial of Credit Violation of Equal Credit Opportunity Act and Consumer Credit Protection Act Dear Sir/Madam, I write to bring to your attention a serious matter regarding the denial of my access to credit, which I believe constitutes an act of discrimination under the provisions of the Equal Credit Opportunity Act. As an attorney in fact for XXXX XXXX, I am compelled to address this issue on his behalf. 

Regardless of the reasons for the denial of credit, it is important to note that under the Equal Credit Opportunity Act, individuals have the right to receive fair and equal access to credit. By withholding XXXX XXXX 's access to his securities, it appears to be a violation of both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

I hereby request that you rectify this situation by retracting XXXX XXXX 's credit application, as it is evident that his rights under the aforementioned acts have been violated. It is imperative that Discover card, as a reputable financial institution, upholds its legal obligations and ensures equal treatment and opportunities for all consumers. 

I trust that you will promptly address this matter and provide a written confirmation of the retraction of the credit application to avoid any further legal action. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX Attorney in Fact for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: NEW YORK COMMUNITY BANCORP INC
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have a HELOC loan with Flagstar Bank. The payments for this loan are made via draft from a checking account I have opened with Flagstar. My primary bank is XXXX. Over the last six months I have missed making the transfer to the Flagstar Checking account in time for the draft on three separate occasions. The transfer did go through and the payment was made within days after each occasion. 
The incidents are as follows : XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$300.00} ( This was returned ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$320.00} ( Payment was made with late fee ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$310.00} ( This was returned ) XXXXExternal Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$430.00} ( Payment was made with late fee ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$320.00} ( This was returned ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$340.00} ( Payment was made with late fee ) As a result of these three occurrences, Flagstar Bank has issued a letter stating that " for the next six ( 6 ) months, until XX/XX/XXXX, loan payments must be made using one of the methods below. '' ( Cashier 's Check or Money Order ) This places a great logistical and financial burden on me to get payments to them on time. Because neither of my banks have a branch in Utah where I live. I called them and asked what the legal grounds for requiring a specific form of payment were? The only answer provided by " XXXX at Flagstar Bank ( XXXX ) '' was that they do not have to provide me a means of making payment electronically. I asked if I sent them a physical check in the mail if that would be honored? XXXX said it would be treated as an electronic form of payment and sent back. 

My question is do they have legal standing to require me to send a specific form of payment that is going to place an additional financial burden on myself?

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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