BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm Is a small woman own business That banks with santander bank. On XX/XX/XXXX I made a deposit of {$160000.00} And the check came from eastern bank. On the deposit slipped that they gave me did not say there was going to be a hold or an extended hold on the check. On XXXX XXXX  they deposited XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX dollars into my account. At this time I made out my payroll checks and I submitted payment to my vendors. On XXXX XXXX  I received calls from my employees let me know that all the checks have bounced. When I contacted santander bank they told me that they took the money out of the account and did an extended hold. When signing up for this account in their checkpolicy it does state that they have the right to do an extended hold but it does not state that they have. The right to deposit money into someone's account take the money out of the account not notify the customer and remove it from the ledger. I have made an official complaint with santander bank on XX/XX/XXXX and someone? Is supposed to give me a call. Back within twenty four hours and it is now going on a week and I have not returned my call. Also when I've requested from XXXX the supervisor in the fraud department a copy of the policy. He's telling me that it's internal only. What are my rights as a customer? Recently. Santander removed external notary from their services and never informed us as customers. I'm a XXXX XXXXXXXX. And I need to have lean waivers notarized for me to get paid. I would like to know what are my rights as a customer Because every time I call santander bank and speak with someone new like XXXX or XXXX or XXXX or XXXX. They all have a different answer for me and no one wants to answer my question directly. I need to know what my rights are as a small woman own business that operates out of XXXX massachusetts. Is it just the inner city people being treated this way or is this custom across the board.

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX, XXXX and TransUnion are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX, XXXX, and TransUnion to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 : # XXXX, XXXX XXXX XXXX Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$540.00} Balance updated XX/XX/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 2023-10-01
Company: EQUIFAX, INC.
State: NV
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:
i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 Chime Bank sent me an email saying that they needed additional info for my account. They sent an email requesting my drivers license and a bill with my current address on it. They also locked my account that same day until I would send them that info. The following day I sent them the info via email. It has been 3 weeks and I have not been able to get a hold of anyone to help with unlocking my account. I have no access to my money and when I call customer support they tell me to email the chime support and I emailed them 4x times with no replies. I tried to reach out via XXXX and was told that someone would reach out to me to review my account an no one has. Not sure what next steps to take to get a hold of my money or at least transfer it to another account as it is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. 

I further reminded them that they were not in compliance as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

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 2022-11-02
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund of student loan payments of ~ {$19000.00} made during the COVID-19 CARES act period from Aidvantage on XX/XX/22. Aidvantage has not issued any refund related to my request and has not provided any update as to why that is the case. I have attempted to contact them on five separate occasions to no avail and have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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:
Failure to report accurate and factual information. 
Also failed to investigate ( even though they stated ) it verified. 
Violated my consumer rights via FCRA 623 ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: AL
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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-08-05
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When applying for a new credit card on XX/XX/XXXX, I was declined and advised of a recent collections entry on my XXXX and XXXX   credit reports. There is a collection showing for {$650.00} from Ability Recovery Services referencing XXXX XXXX XXXX on XX/XX/XXXX. This was the first I had heard from either company. I contacted Ability Recovery Services via the XXXX, since I was afraid this was some sort of scam and didn't want to contact them directly. I advised them on XX/XX/XXXX that I would like some sort of proof regarding this alleged debt and that I had not received anything from them via writing or phone call as is required under federal law under the FDCPA. 

Ability Recovery Services sent me a letter on XX/XX/XXXX with a copy of a non-itemized statement from XXXX XXXX XXXX showing a balance of {$650.00} as past due with a different date of service, XX/XX/XXXX. This does not serve as verification of the debt as there is no indication as to what services were rendered or that I have agreed to pay any such services. They did not send this within the 5 day timeframe as required by FDCPA 809. 

This is not my debt. I received no services from XXXX XXXX XXXX on either XX/XX/XXXX or XX/XX/XXXX and I am concerned that the company has provided differing dates to different organizations. Ability Recovery Services has not only failed to provide the required notice prior to placing collections activity on my credit report, but they have failed to provide itemized debt validation as well as failed to respond within the 5 day period required by law. This needs to be removed from my credit report immediately or I will be seeking legal remedy up to the maximum allowed by law.

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 2022-08-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i have like XXXX Navy Federal accounts on my XXXX XXXX XXXX which is Fraudulent with incorrect information that's not even my information wrong ss number and wrong driver license number and wrong address i never lived at. But the crazy part the ss number does not mine which i will attached and copy of my driver license and ss card for proof. Please remove from my profile and any of profile that this incorrect information reporting to. 
Here is the accounts thats not mines and wring incorrect. Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX As you can see that social number wrong and it should've never been added to my profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2023-04-12
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
1. Open account with comerica in XXXX. Called rep said had no record of account have to go to bank. 
2. Open account at XXXX bank with teller XXXX. Checking and saving XXXX dollars was placed in each account 3. Recieve a debit card went to use it saying that cant access checking or saving. 

4. Call rep on phone comerica saying that i have to go into bank 5. Went into the Comerica. Say that comerica had no knowledge of the account and can not prove my identity- provide license and w2 form and valid license - asked rep to close account. Provided a number 6. Talk to fraud rep. I asked to closed account and wanted money back. No longer need the account. He shared we just trying to protect you. He said i could get XXXX dollars return to me.that i would be c 7. The rep called. Said i could not get XXXX back. They could only pay 20. Ask me to come in the bank to get check or send by mail. I told rep by mail. 


8 rep falsely wrote that comerica closed account be cause of fraud. Account was closed by me. 

Now all account are closing. I wanted it corrected immediatey.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage company PENNY MAC agreed to the short sell of my property. After two months of going back and forth with my realtor and the buyers title company the short sell went through, PENNY MAC still maintains that they have the right to keep insurance claim 2 party checks that they held in an escrow account. They have no legal right to that money, they agreed to the short sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Our VA mortgage is was purchased by Amerihome since we closed with XXXX XXXX. We are now in the process of selling our house and will be allowing the buyers to assume the loan. 

Amerihome has refused to let us speak to anyone regarding the assumption process. We are now unable to check on the status of the assumption or relay to the buyers any information about the expected waiting time for the assumption process to be complete. I acknowledge that the process can be lengthy, however, we can't even get anyone from Amerihome to talk with us regarding the matter. We have made multiple calls to the customer service line asking to be put through to the " XXXX XXXX '' and every time we are told it is not possible and that there is no one to speak to for assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I have been trying to get my car registered since XXXX. Bridgecrest sent me a letter stating that my application for Title and Registration was rejected because the Vin Inspection was over 60 days old. It wasnt when I sent it in which means they waited at least 2 months before they submitted all the paperwork they made me send them. Theyre now threatening to take my car unless I go a purchase another VIN Inspection and send it to them. I requested that they send my title to the DMV AND THEY REFUSED. Theyd already told me at the end of XXXX they were sending the title to DMV AND I HAD TO GO AND REGISTER THE CAR MYSELF. I have all conversations with them recorded. This is fraud. The DMV said they havent rejected anything because they havent received anything regarding my car. No title. No application for title nothing. I spoke with the DMV in person and they looked it up they have nothing on my car. They are purposely making me pay for a car I can not drive and refusing to allow me to title or register the vehicle myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and How were these accounts verified by virture of proper documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: PA
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 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 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