BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: SYNCHRONY FINANCIAL
State: TN
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:
The Fair Credit Reporting Act ( 15 USC 1681, section 602a ) requires agencies like XXXX and XXXX to operate fairly, respecting consumers ' privacy. 
I am asserting my right to privacy, as outlined in 15 USC 6801. This law states that financial institutions, like those supplying data to credit agencies, must respect and protect their customers ' private information. I haven't given XXXX, XXXX, or any data provider explicit written permission to share my details, so any previous consent I might have given is now withdrawn. 

Additionally, 15 USC 6802 ( b ) ( c ) specifies that financial institutions can not share personal data with third parties without informing the consumer how they can prevent such sharing. I wasn't given this information. Also, 15 USC 1681C ( a ) ( 5 ) restricts agencies from reporting certain negative details that are more than XXXX years old. This hasn't been followed in my case. 

Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) from 1974 protects students ' education records. As outlined in 20 USC 1232g ( b ), it applies to all educational institutions, from elementary to post-secondary, whether public or private.

Lastly, 15 U.S. Code sections 1681s2 ( A ) ( 1 ) A and 1681e require that institutions don't share incorrect consumer data and that agencies like XXXX and XXXX have measures to avoid breaches. I believe these measures aren't being followed. According to 12 CFR 1016.7, I can opt out of reporting services at any time, and I'm choosing to do so now.

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 2018-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I had a XXXX XXXX XXXX XXXX from Capital One, which was opened in XX/XX/XXXX. Capital One closed my account after having one delinquent payment in late summer of XX/XX/XXXX, which was paid only a few days late. The Bank did not close the account until approximately two months later and did not provide me with a written correspondence either USPS nor email. I learned of the closure by attempting to use my account. Before the closure of the account, I had responded to a GM/Capital One email advertisement that I did not want to receive promotional advertisements from XXXX XXXX XXXX in XXXX, LA because the dealer had been caught rolling back the odometers on used vehicles and I would never purchase anything from that dealership. I telephoned customer service inquiring the problems making a purchase and that was when I was notified the account had been closed. According to the XXXX XXXX XXXX allowed 5 % of all purchases to be credited to a rewards account in dollars to be used towards the purchase of a XXXX vehicle or service. Upon closure of the account, the consumer has up to 90 days to use the accumulated rewards at a XXXX vendor ; otherwise, the reward amount collected is forfeited. Keep in mind that the account was closed in good condition and current status. During the customer service phone call, I complained that since Capital One had closed the account without any formal notification and without cause since it was in current status along with my other three Capital Once accounts, Capital One was basically attempting to force me in to the purchase a new GM vehicle or lose the accumulated reward dollars that was just over {$290.00} & change. I demanded to speak with Executive Level Management because I was not in any financial position to purchase a new GM vehicle and since Capital One closed my account without proper legal notification, I demanded that the accumulated reward dollars be sent to me in the form of a check or credited to the balance of the account. My name and number was taken by the representative and informed me that I would be receiving a telephone call from an Executive Member within 48 hours ; however, that call never came and I have since stopped paying on the account because Capital One had committed consumer fraud and theft of a the accumulated reward dollars, as far as I was concerned. Since then, my financial status has fallen on extremely hard times and I am in the process of filing for bankruptcy still with an unsettled claim for XXXX XXXX XXXX Rewards paid to me. As far as I am concerned, Capital One has intentionally stolen my Rewards of just over {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BARCLAYS BANK DELAWARE
State: OK
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:
my information was disposed in a data breach, i have unauthorized and unverified inquiries.

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 2023-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
1. On or around XX/XX/2019, I visited the US Bank website to request a quote for opening a new card with a balance transfer. 
2. After submitting my information for the quote, I was presented an offer that did not meet my needs and I declined by closing out of my web browser after the offer was presented. I did not accept the offer or indicate my acceptance. 
3. On XX/XX/XXXX, I received an email from US Bank welcoming me as a new credit card customer, along with the last 4 digits of a new card assigned to me. 
4. On XX/XX/XXXX, I received a new US Bank credit card in the US Mail, along with the standard new customer information. 

My concern is that I did not authorize this new card or accept the offer provided. US Bank should have never opened it in my name without my explicit consent and I did not authorize the hit against my credit report to open this line of credit. I want this corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: AMA Advisors, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my mortgage on XX/XX/XXXX. I paid the new mortgage company ( XXXX ) on XX/XX/XXXX. However somewhere during the month of XX/XX/XXXX the new mortgage company XXXX XXXX took over. I never received the notice. XXXX XXXX is stating they didnt receive my XX/XX/XXXX payment and because my XXXX loan is closed they say the didnt receive the payment. I have proof of payment from XXXX, yet they cant get my money back. I am now out {$1300.00} and no one is getting the money returned to me. What can I do? XXXX prompts tell me the loan is closed and hang up. I have faxed them and sent a letter providing my proof is payment. Please tell me how I get my money back so I can pay XXXX XXXX. 

Thank you XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2019-12-05
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:
For over 10 years, Transunion has had my credit account listed to another individual who has a terrible credit record. So because they think I'm she, I'm the one that gets harassed and threatened by the collection agencies that are trying to collect on her bad debt. I even moved to try to escape it and it has followed me here. I have spoken to Transunion multiple times over the past and sent letters ( my bad, they were not certified ). All correspondence I get from them continues to be under her name. I have no debt. I owe no one, yet this woman and Transunion who is totally complicit in this, are ruining my credit. It is truly an astounding story of mis-identification which is too long to go into here. I just want my name back and separated from hers. I have frozen my credit with XXXX and XXXX  but can not do so with Transunion as her name is on my credit record. The mental anguish this has caused is unbelievable. Please help me if you can.

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 2023-03-23
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: The Judgment Group
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was twice the garnishment order put on to the same employer at XXXX ; with these two incidents, I vacated the judgment. I have lost tremendous money and effort to fix this issue ; the judgment group, XXXX MD, have used the social channel to make things not accurate they failed twice ; on top of that, they are still misleading my employer after the judgment vacated, they do not follow the rules, fail information to collect a small debt, with enforcement, small to them but significant to me I have XXXX kids and survive on this challenging time. I would like this not to happen again and collect some of my losses as penalties. And stop identity thieves and the way they process ; I guess there is no rule they follow after two mounts of trying ; they just send my money back as they took from garnishment, right now that money is a little bit for me, I borrow money to pay my mortgage until I vacated the judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2018 someone stole my identify and opened a revolving credit line with XXXX. 
They ordered a {$930.00} product in my name. When I was notified on XX/XX/2018 I reported to XXXX, that this was Fraud, I froze all my credit lines, made a police report and reported it to the FTC. They are still claiming it is mine and trying to collect on it. Meanwhile they fraudulently opened a line of credit in my name, without doing the proper due diligence and were neglectful with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Shellpoint Partners, LLC
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
NewRez is egaged in fruaglent lending practice. 
They NewRez discrimination by not allowing all of my income to be disclosed. 
NewRez saud my XXXX XXXX could not be counted when the Federal Government allows it on my taxes. 
I would like an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 ( {$3000.00} ) was withdrawn from my Savings Account at Citi Bank. 
I was called by my mom to tell me that she went to my Bank and took money out. She had my card was only allowed to use my card for small amounts like gas or ect. She wanted to give my nephew some money for his Closing Cost and was able to go into my Bank and sit down with a Customer Rep and withdraw and send a wire without anyone at this Bank asking her to identify who she was. She was never asked for ID and when she filled out the paperwork with her name and address, they asked her to scratch out her name and to put my name on it.

When she called me later that day to tell me what happened. I asked her did they try to call me and did they ask her to show ID. She said no. I was upset. I called the Bank and ask to speak to the Manager and they said he was not there. 

I went into the Bank XX/XX/XXXX, XXXX speak with the Manager / XXXX XXXX XXXX Prior to this happening on XX/XX/2023 I filed a Fraud Claim because someone had charged {$500.00} from my account and the case was to take 90 days to be investigated. My mother was in the Bank during this 90 day period.

Citi Bank should have had that information appear on their system when me or her cam e into their office.

When my account was charged the {$500.00} I had to get a new Debit Card. I went into the Bank to get some funds due to my new card being sent overnight to me and was asked for my ID. 

Why was this women who they had no clue who she was able to go inside sit down and draw money out of my and never asked to identify herself. 

XXXX XXXX did ask me to send a email to say that I approved the transaction. I told him that I did not approve the process but was ok with the money once it was taken and my mom notified me because it was for his Closing. What I should had done was stop everything with the money and not let it go through. I should have taken the money and sent it properly but it was the next day of closing. I was and still am very much upset that this was even allowed to take place. 

I want some action taken against Citi Bank.

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 2021-04-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had a XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and XXXX XXXX picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with XXXX response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from Comenity with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had XXXX help from the CRAs with having this line removed from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Chase never sent satisfaction of payment to county. This should have been done within 90 days sixteen years ago. We did not find out until we tried to get a home equity loan. This is the only thing keeping us from closing. We have called daily, sent emails and have been lied to. We have been dealing with this since XX/XX/2017. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America decided to closure my platinum credit card which I have had for over 16 years. Even though I have made payments on the card, kept the balance low and I completely paid off the balance of {$2100.00} they still closed my account instead of rewarding my good credit card usage. They claimed that I missed payments however after calling the bank several times to fix the technical issues with the scheduled payments not coming out they did not help me fix the technical issues and about 3 payments were late but they were eventually paid and I paid late fees as well. Bank of America has not resolved the issue with scheduled payments coming out of my checking account and into the credit card account even tho online it says the payments are scheduled. I believe that Bank of America manipulated my current financial situation because I lost my job and instead of closing my other credit card which Carries a higher balance of about {$7000.00} and which had a much higher interest rate, they decided to use predatory business practices by closing the credit card account with a much lower interest rate. Its also important to know that Bank of America no longer offers the platinum credit card and over the years they have tried to close this credit card account on me which I believe is because is has a low interest rate which they do not profit off of as much as my other credit card. I am requesting to file a complaint so that Bank of America reopens my credit card and if they wish they can close the reward credit card which has a higher interest rate.

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 2021-01-29
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
NACA took me work through the stressful process of qualifying for a home loan. It stated in the paper work that I qualified for Down payment assistance as a XXXX. On the day I was supposed to close on my home, I was informed that I no longer qualified for the home I was purchasing. I spent money for inspection, re inspection, NACA fees, etc. I also have XXXX XXXX  XXXX contacting me about the loan I was approved for. NACA was negligent and owes me money and an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : 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 and XXXX XXXX XXXX

Company response to consumer: Closed with explanation