BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 regarding a consumer credit transaction with your company. I demand that you Cease and Desist from disclosing/reporting any of my old/new " nonpublic personal information '' with all " nonaffiliated third parties '', which includes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 6801 ( a ) XXXX states : " ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Please be advised that you have a legal obligation to protect and not share my nonpublic personal information. 

" Nonaffiliated Third Party '' Defined : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, '' Furthermore, I Do not and have never given your company consent to share my nonpublic personal information, and should there be an " Non-disclosure '' clause in your agreement/contract giving you the option to share my nonpublic personal information, I am demanding that your company provide me with the original unaltered agreement/contract with said clause included so that I can opt-out of your sharing of my nonpublic personal information. 

Per 15 USC 6802 - Obligations with respect to disclosures of personal information Before you shared my nonpublic personal information with nonaffiliated third parties, you were obligated to A ) provide me with a physical or electronic notice informing me that my nonpublic personal information may be shared with nonaffiliated third parties, B ) Give me an opportunity, BEFORE such information was shared to direct that such information not be shared AND C ) Provide me with an explanation on how I can exercise such nondisclosure option. 

With that being said, you infringed upon my privacy, violated several federal laws and took advantage of me by not informing me of my rights. Due to your negligence and furnishing/reporting of my nonpublic personal information to nonaffiliated third parties such as XXXX, XXXX and XXXX, I have been damaged, embarrassed and forced to miss out on personal and business opportunities. I hereby demand that all negative information ( E.g. Late payments, payment status, status, remarks ) regarding the account referenced below be removed and updated to Paid on time, Paid as agreed etc. 
account number " XXXX ''. Should you accept my demand, I will not escalate this matter further to a federal complaint and or suit. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In Accordance with the fair credit reporting act XXXX  XXXX XXXX  has violated my rights. I simply went in to apply for an apartment now months later I have a inquiry on my credit saying I owe {$1500.00} dollars!! THIS IS COMPLETE FRAUD I NEVER SIGNED A LEASE AND I HAVE DOCUMENTATION OF THE COMMUNION BETWEEN XXXX AND XXXX XXXX XXXX XXXX STATING THAT I DID NOT WISH TO GO THROUGH WITH THE PROCESS BECAUSE I CHOSE ANOTHER APARTMENT WHICH I RESIDE NOW I AM TRYING TO GET A HOME LOAN AND THIS POPS UP I WILL BE FILING A LAWSUIT THIS IS COMPLETE FRAUD AND THE FACE TGAT MY INFORMATION IS THIS ACCESSIBLE BY YOUR EMPLOYEES IS UNACCEPTABLE 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Westlake Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX Account Number : 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 2022-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing a complaint against Equifax and XXXX credit agency for not allowing me as a consumer to dispute unauthorized inquiries that are on my credit report. Both bureaus told me to file a police report with the police department, I did and call back they still would not accept nor allow me to file a dispute. It is my understanding that anything inaccurate on your credit report you have the right to dispute. 
You go to one dealer to purchase a car next thing you know you have multiple inquiries, if you have only authorized one and have 2,3 ,4, and more that is unauthorized if you did not give permission or had no knowledge the same thing with mortgage. Please help me in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
-Months have gone by asking for validation of debt. I have yet to receive any written letters providing proof of XXXX legally obtaining my signature to release any of my medical information under my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: MD
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 I tried to use my USAA debit card but the payment was declined. I looked at my account info through the mobile app and it was account info unavailable which i thought could have been due to a system error. I checked again on the morning of XX/XX/22 and when it still said the same thing, I called and was informed that due to me not sending them requested documents that they were closing my account and started the process on XX/XX/22. I was only ever informed one time in late XXXX through a mailed letter and an email. I receive hundreds of emails a day and rarely go to my mailbox, so its very easy for me to miss a single letter. Yet USAA never reached out to call about the documents, which if they had I would have sent it to them on time, or to even tell me that my account was being closed. A representative informed me that the only way to resolve this issue is to open a new account with them. After this experience, I decided to no longer use their services as my trust in them is gone. If USAA would have properly communicated this with me, this issue would have never occurred. It is very unprofessional for a financial institution who services thousands of people to treat their customers this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
The following companies are closed accounts that are paid in full. On XXXX XXXX I disputed all companies that were over 7 years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- XXXX XXXX XXXX {$500.00} 2XXXX Macys/citibank, XXXX {$600.00} 3- Macys/citibank, XXXX {$100.00} 4XXXX XXXX XXXX XXXX {$24000.00}

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 2022-08-23
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:
In accordance with the fair credit reporting act : 1XXXX XXXX : XXXX 2. XXXX XXXX XXXX : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX  XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX0 8.dept of Ed/XXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX : XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX XXXX : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX XXXX XXXX XXXX 19. XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, XXXX and Equifax to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: SANTANDER HOLDINGS USA, INC.
State: LA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish account without my written instructions.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I was looking for a consolidation loan so I could payoff my credit card debt before I retired. I called many banks. Although my repayment history was good, I had too much debt. I kept on hearing that there was a way to payoff my dept at a much lower amount. The salesperson told me that it was a government created program and that I would be out of debt in three years. They said I would pay into an account and they would payoff my credit cards. They disclosed that I would pay two monthly service fees -- one for the  service and one for an attorney -- about {$12.00} each. I never had a paper copy of the contract before signing it. They had me review it with them on the phone while I Iooked at the screen on my computer and I signed it electronically at that time. I never had a paper copy to review before I signed the contract. 

I paid each month into an account and assumed that my debts were being taken care of. I started getting calls from debt collectors and I told them that they would now be paid by Freedom Debt Relief. I called up Freedom Debt Relief and they said that the calls would stop soon -- settlements took time. They never stopped. Nor did the collection letters. 

They then told me of two settlements with two of my credit cards. The amounts of the settlement was much lower than what I originally owed. However, I found out that they add a fee of 21 percent on the original dept ( which in most cases was higher than my original interest rate ). They said that I had a agreed to that fee when I electronically signed the contract. 

After a while, they called me up and said I could pay off my debts with a loan from them. This is what I wanted to do in the first place. Then they started pressuring me into taking the loan. The loan was for {$50000.00} at 22 %. I said the percentage rate was too high and they said I could not get a lower rate because I had so many delinquencies. I said that I had been paying all my cards on time until they got involved. I did not take the loan. That would have been a worse mistake than signing up in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 my credit report showed I had a negative report. Upon looking at what meant I found a utility company trying to collect a debt from an address I have never lived. I am disputing this negative mark on my credit report because I believe it to be fruad.

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 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I was tricked by someone posing as my bank to send money to someone via XXXX. They told me about a possible fraudulent XXXX transfer, then walked me through the steps to prevent the fraud. All the while, they were planning to take the money. Bank of America is aware of this scam. I was given no warning that " Bank of America will never ask you to send money, '' not even a " don't send money to people you don't know '' when attempting the transaction. This is a KNOWN scam, and other banks have sent warning emails about this exact scam. No warnings from Bank of America. 
Now, Bank of America is refusing to return the money from the fraud. They KNOW about this exact scam, again. XXXX bank is refusing to return the stolen money, saying that the account is closed ( of course it is ). But why don't they have any record of the owner of an entire bank account? 
I don't know what to do. This is shameful and horrific. I'm doing my due diligence and contacting all the regulatory bodies, filing a police report, talking to local news outlets, and contacting a lawyer. 
Thank you for any help you can provide.

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 2022-07-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Completed a Right of Rescission dated XX/XX/2022 and received by Allly Financial on XX/XX/2022 in XXXX XXXX XXXX of my vehicle. My vehicle was taken in the middle of the night on XX/XX/2022 and I never received an authentication notice of illegal repossession.

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 2022-08-23
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX lied to us and induced us to make an over {$11000.00} payment under the basis that we needed to reduce our principal to value ratio to 75 % to have our PMI removed. However, upon further examination, they failed to adhere to XXXX XXXXXXXX XXXX XXXX regulations ( excerpt attached ). Section 8203.2 ( b ) of the XXXX XXXX XXXX  guide states that : " The minimum two-year seasoning requirement is waived if the Servicer determines the increased market value of the Mortgaged Premises since the Origination Date of the Mortgage is due to substantial improvements, the LTV ratio must be 80 % or less. '' Their own appraisal notes on Page 2, attached, that there was a contributory price of {$60000.00} with updated flooring, water heater, all new appliances, and new fixtures. We repeatedly, in multiple emails and correspondences mentioned that we were having the PMI removed due to substantial improvements. We even specifically noted on the signed authorization that we were doing so because of " substantial improvements ''. There is no reasonable basis to find that completely changing the flooring, appliances, water heater, etc. of a condominium does not constitute a substantial improvement. 

This servicer fails to adhere to the regulations of XXXX XXXX.

Company response to consumer: Closed with explanation