BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX, I was reviewing my credit report and had noticed that there was a Santander account that I had not authorized to be opened. I had called Santander about the account, and I had explained the issue to the representative that had answered the phone, and I had expressed multiple times that this account was not opened by me. The representative that had answered the phone had asked me to provide my personal information such as my Social Security Number and my name and Date of Birth. When I was asked to provide my address, I did so, and was then told that it did not match what was on  the account. I reminded her that I didn't open this account, so it shouldn't match, she then proceeded to put me on hold, and updated my correct address on the account that was not mine. I asked about more info on the account and was told that since I claimed it wasn't me, I was not entitled to know anything, even though it was under my personal info. I asked her why she updated my address if this was the case, and she repeatedly avoided the question. She said that the only thing that she could tell me was that it had a negative balance, due to check related activity but wouldn't specify exactly what. She had told me that the account was scheduled to be sent to collections, but again would not tell me when. I called again in XX/XX/XXXX, and when they collected my personal information just as before, they this time told me that based on the info I provided such as my address, that they deemed the account as mine, and that I will be held responsible. I told them about how the previous woman updated my address when she shouldn't have, and they insisted that they would never do this. I then asked out of curiosity, if they had anything on file that they could prove that this was me, since they insisted that I opened the account, and they told me that they are not required to provide me with this information via phone. I visited a local branch and was told to call customer service which provided no assistance before. I have recently noticed this account on my XXXX report as having an outstanding balance due, and this account being on my consumer report has prevented me from being able to open an account elsewhere. I tried to fax a statement and make a dispute about this account with XXXX, but when they communicate with Santander, I get told that this account will be retained in my report, and I am having trouble getting this matter resolved.

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 2023-10-13
Company: SUNRISE CREDIT SERVICES, INC
State: NC
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:
XXXX XXXX XXXX XXXX- Account Current Balance : $ XXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- -- XXXX  Account 's Date Opened : -- -- XX/XX/XXXX SUNRISE CREDIT SERVICES- Account Current Balance : XXXX XXXX XXXX XXXXXXXXAccount 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXAccount Current Balance : {$130.00} {$130.00} $ XXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.

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 2023-03-20
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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: DISCOVER BANK
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Discover personal loans does not maintain accurate financial information if accounts. 

The also employ deceptive practices to sell loans to customers which in reality appear to be credit accounts or credit cards with no fixes amortization schedule. The payoff changes with, extending the monies due and term without notification or authorization. 

Numerous payments ahead or on schedule does not reduce the principle balance. Numerous times have occurred where no principe or interest applied to the payoff balance. They are unwilling to account for the discrepancy or respond in writing for forms request. 

Agents have stated that customers who paid up to a year in advance are charged additional daily interset as common practice. 

No response from the company and lack of any responses, let alone valid information about accounts leads me to believe that have an unethical culture and are intentionally hiding fraudulent and unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I created an account with chase in order to deposit a portion of my settlement check of {$18000.00}. The next day XX/XX/23 I was able to withdrawal {$5000.00}. On XX/XX/23 I was told that my account was closed due to chase not being able to verify my check. My check has been cleared and technically cashed already. This is how I was able to withdraw {$5000.00}. On XX/XX/23 chase sent out a check after closing account, that got sent back to them. Now they refuse to release anything at all. For 4 months I've been going back and forth with my attorneys, chase, and issuer of check. The conclusion chase is the only one at fault and who holds the key to my funds. Chase refuses to release the money to me or back to the issuer because they " can not verify with the issuer of the check '', who happens to bank with chase. Chase refuses to call any numbers I forward them from the XXXX XXXX or the number printed right on the cashed check. They only verify through " their '' system. It been 4 months and I've been homeless for 2, due to the eviction I received stemming from this situation. This whole ordeal has taking a toll on my XXXX XXXX. Lastly, I can never open a chase account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: CENTRAL BANCOMPANY, INC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I opened an account on XX/XX/XXXX ( Checking + savings ) with Central Bank in person at the XXXX, MO branch. The girl who signed me up said she was new and she had XXXX XXXX who I believe is the assistant branch manager ) behind her coaching her what to do to open my account. As part of a new customer promotion with Central Bank, I was offered a sign a sign up bonus of {$400.00} after meeting certain requirements ( {$300.00} checking bonus + {$100.00} savings bonus ). To receive these bonuses, I was told I needed to make at least 2 direct deposits and have the account open for 90 days to receive the {$300.00} bonus in my checking account. I was also told I would receive {$100.00} extra bonus if I also opened a savings account and put {$500.00} in it. I funded the account with a XXXX payment of {$550.00} and moved {$500.00} into savings to get the extra {$100.00} bonus. 

On XX/XX/XXXX, I called Central Bank to inquire about a fee that was charged to my account on XX/XX/XXXX which resulted in my checking account now reporting a - {$0.00} balance. I spoke to XXXX who explained it was a maintenance fee to me that was being charged because I did not have a direct deposit during the previous statement cycle ( unlike the firs/previous two months ). I asked since I was unaware if he could provide a one time fee waiver and he said it was not possible. I then asked if there was anything I needed to do to avoid getting extra fees and he said no as there are no extra fees added when a negative balance is result of a maintenance fee. I also asked him if he could provide me with an expected date of when my bonuses would be deposited as he confirmed I met the requirements and he said that it could take up to 21 days for the bonuses to report as accounts are manually reviewed. 

As the bonuses still had not reported, I called to inquire about the status and was told Central Bank was disqualifying me from both bonuses because their maintenance fee put me at a negative XXXX cents balance on day 91 of my account being opened. I tried to explain and spoke to XXXX and she also directed me to to talk to the branch manager XXXX to which I left a voicemail. On Tuesday XXXXXX/XX/XXXX, branch manager XXXX returned my call and already knew the details of my account and why I was calling before apprising her of why I was calling. She said there was nothing I could do to get either bonus and was also denying me the extra {$100.00} in my savings account. I asked about escalating and she said there was nothing she/I could do so I asked about filing a CFPB complaint and she suggested I try that route to get my expected resolution though it didn't seem like she knew what the CFPB is.

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 monetary relief
Consumer complaint received 2023-08-19
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:
I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 
I have previously disputed this information and received a response that the creditor verified the information. However, this verification was inadequate and violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the accuracy and completeness of consumer credit reports. The creditor and credit reporting agency did not provide me with the name of the person who verified the information or any evidence that the creditor conducted a proper verification. The creditor and credit reporting agency did not update the balance or the date of the account as required by the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, you failed to conduct a reasonable investigation within 30 days ( or 45 days in some cases ) of receiving my notice and report the results of the investigation to me as required by the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Please investigate this matter and update my credit report accordingly using the XXXX XXXX format and in compliance with the consumer law from the USC, Title 15, Chapter 41, XXXX XXXX, which protects consumers from unfair or deceptive acts or practices in connection with credit transactions. 

I have enclosed a copy of my identity theft report as proof of identity theft, a copy of my ID, Social security card.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with Capital One without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, Ally Bank sent a cashiers check for {$13000.00} to the wrong address. On XX/XX/XXXX and XX/XX/XXXX, Ally Bank advised they would not return the money without a legal document which I am unable to provide due to an approximate cost of {$500.00}. I am requesting my {$13000.00} refunded to me without fees as Ally Bank has admitted fault in sending the check to the wrong address.

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 monetary relief
Consumer complaint received 2022-08-18
Company: AES/PHEAA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please Look at the attachment below. I have an affidavit attached from the Federal Trade Commision to this report below. Please Review attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-04-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX ( I Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: U.S. BANCORP
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Earlier in XXXX I called the number on the back of my credit card to close my account ( that had been inactive for XXXX months ). Earlier this week I received a new credit card from US Bank that I did not request, which I assume is fraudulent activity.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX have not gotten an update report since XX/XX/XXXX. 
I also notice on my report that there is inaccurate information on there not needs to be fixed ASAP. I have even the credit agencies notice and they have not fixed anything. 
this is effecting my job status as well as my home buying progress. I need help ASAP. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX ACCOUNTS : XXXX AND XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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