BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: SANTANDER HOLDINGS USA, INC.
State: KY
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:
please see attachement santander has contuined to report false, misleading and decepitive acts and violation even after serval attemtes to correct the matter. this company has done this time and time again please see attached civil action and CFPB lawsuits where santander ADMITS to this wrong doing and yet contuies to violte my consumer rights and distroy my finical well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
See CFPB complaint number XXXX. This was NOT addressed by US Bank. They falsely stated I was informed the account closing process would take 10 business days. I am demanding the initial call recording be pulled where I was informed it would take five to 10 days to handle. My intial call was Monday XXXX XX/XX/2021. I detrimentally relied upon what I was told by US Bank ... they do not address that in their response. They DO admit, as they have to because the call is on record and I have proof of the same, I call to close an account on said date. The state I was told it could take up to 10 days. Let 's assume for a moment that is true ( which it is not ) then the account should have been closed and check mailed by XXXX XXXX ... it was NOT. US Bank correctly states the check was cashed on XXXX XX/XX/2021. In fact that is the day the check was received. So by US Bank 's own admission, they failed. They do not address this in their 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 explanation
Consumer complaint received 2019-07-17
Company: Independent Dealers' Advantage, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a car from a company in XXXX of XXXX In XXXX of XXXX that company transferred my contract to another company. Ever since the transfer I have had phone calls telling me that I am late on my payments. And every time I call in to make my payments I am harassed about being late. The truth of the matter is that I have been paying a week ahead since I got the vehicle. I called the company and spoke with one of the managers and went through my original contract along with my bank statements showing the dates on which I have made payments. My first payment was due on XX/XX/XXXX I made my first payment on XX/XX/XXXX other then a week period when I have no idea that my contract had been transferred to a new company because the old one did not answer the phone I have paid every week. Once I found out who the new company was I made a two week payment to catch myself back up. The two week payment was made on XX/XX/XXXX My final payment to the old car company was made on XX/XX/XXXX. The payment on XX/XX/XXXX would have been for the Friday the following week XX/XX/XXXX. I did not make a payment the week of the XX/XX/XXXX because I did not know my contract had been transferred. When I did find out I made the payment for two weeks on XX/XX/XXXX. The new car company IDA refuses to change this in their system. They are also charging me XXXX fee to pay my bill that I can not avoid. The old car company ( XXXX ) charged no fee and was located fifteen miles from my residence. IDA is located over four hours from my residence and refuses to drop that credit processing fee. The processing fee is listed no where in my original contract. My over all experience with IDA has been lees then positive and their business practices are very underhanded. I plan on suing this company for breach of contract. As well as not informing me within the legally aloud time frame of ten days of the transfer i had to investigate myself to figure out who had my contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I filed a dispute against Walmart for a large purchase because it was delivered to my neighbors house. They rejected this and claimed I violated their return policy and can no longer make online purchases. However, even though trying to reason with them and explain the situation, they didnt fix it. And they prevented me and other relatives who live with me from ordering online through their services. This is unfair, especially since Ive been a customer with them for more than 6 years and I have a card I can only use with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: VA
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:
After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to XXXX, XXXX, and Experian. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Thank you for your timely response to this matter.

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 2022-11-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX XXXXXXXX XXXX started withdrawing almost XXXX dollars from each of my paychecks starting XX/XX/2022 which made it really hard my family and I to survive and pay bills. 

I traveled from Hawaii to XXXX XXXX and was authorized to use the XXXX XXXX XXXX XXXX XXXX  ). What happened is that they forgot to process my XXXX paper work from my last command in Hawaii. So for months ( while on deployment ) I was waiting for the money to be reimburse to me so I can pay off my XXXX. Unfortunately, that never happened and they started taking that amount from me each paycheck. So with this going on I'm behind in credit card bills, car notes, phone bills etc etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EdFinancial Services
State: WI
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:
I called Edfinancial on XX/XX/XXXX requesting a student loan refund. I made the payments when my account was with XXXX XXXX XXXX. ( ~ {$13000.00} in early XXXX ). XXXX XXXX transferred their accounts to Edfinancinal, and neither company notified me. Edfinancial said I owed nothing and that I would be getting a refund in 6-12 weeks. I called back 6 weeks later on XX/XX/XXXX and was told that I owed {$7500.00} and that the 6-12 week time period was for them to send me an application to apply through the studentaid.gov website. 

I was originally told my balance was XXXX and I would be getting a refund in 6-12 weeks. Now I am being told my balance is {$7500.00} and I have to wait longer to just receive the application to apply for aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX***-Balance {$0.00} XXXX****Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$890.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXXBalance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$690.00} US DEPT ED-XXXXBalance {$2100.00} XXXXBalance {$0.00} XXXX XXXX-Balance {$610.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$610.00}

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 2021-06-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like Experian advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied Experian is reporting and experian needs to remove the following inquires XXXX-XX/XX/21 IXXXX XXXX Comp XX/XX/XXXX Factual Data/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : I have disputed the following inquires with XXXX  and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have disputed the following inquires with XXXX and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Informative XX/XX/XXXX XXXX XX/XX/XXXX Datafacts XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of 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 2021-12-07
Company: Payward Ventures Inc. dba Kraken
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021, I sent 2 transfer requests each of around 30 Solana ( each Solana was about {$230.00} at that point in time ) from my Kraken account to another exchange. A few minutes later, only 1 transaction of 30 Solana reached my other account. I then immediately launched a help request to clarify what happened. Customer service replied and acknowledged that it was a bug on Kraken 's side and that developers were on it to try and fix and correct this mistake. 

Ever since then, I have been following up with the Kraken team. However, I have been told the same thing for the past 2 weeks : their developers are still working on it with no ETA. They have not provided me with the reason or cause and have only mentioned that their developers are working on it. I have had to ask for an update 4 times in the last 14 days and up until now, all I have been told is that they will provide updates when they are available. This is extremely unacceptable as all updates have only come after prodding Kraken for more information. Additionally, with the volatility of Solana in recent weeks, missing 30 Solana has resulted in me losing money as I have been unable to liquidate that 30 Solana. 

Kraken has said that my account will be credited with 5,000 Kraken fee credits ( KFEE ). This means that the next 50 USD in trading and margin fees will be paid by them. This is not useful to me at this moment because I can not trade these credits and turn them into cash like I had intended to with the Solana that had gone missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Law Office of Michael J. Scott, PC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a summons and complaint about a debt that I owed to XXXX XXXX  on a XXXX credit card. I called them and they didnt negotiate so I agreed to a payment agreement. Less than a week later, I get another summons and complaint stating they are going to try to sue me for a different acct owed to XXXX XXXX for an unpaid loan. How many times can I get sued by the same attorney, Scott and associates and same attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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:
I went to buy the car and drove off the lot and XXXX minutes later I was stuck in a intersection unable to go because the transmission had went out, the dealership towed the car back to the dealership and I signed a contract to cease the autoloan and possession of the car and received a check same day with the money I put down, and this loan is still on my credit report as if I still own the car and make payments when I dont. There is also missed payments reported when this is not true.

Company response to consumer: In progress
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
See the attached documents.

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 2023-07-13
Company: EQUIFAX, INC.
State: IL
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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:
It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
XXXX XXXX XXXX XXXX XXXXXXXX I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. 
However, their lack of response or assistance has further compounded this issue. 
The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. 
I want to make it abundantly clear that I will not tolerate any further delay or negligence in addressing this matter. Failure to take immediate action to rectify this situation will leave me with no alternative but to pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) to protect my rights and seek damages for the harm inflicted on my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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. ( IVE SENT OUT LETTERS TO ALL XXXX CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : 1.XXXX XXXX  XXXX Account number XXXX 2. XXXX XXXX  XXXX Account number XXXX 3. DIVERSIFIED ADJUSTME Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Sometimes the banks charges me a over draft fee.

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