BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This bank is very unreliable and has poor customer service and awful unprofessional staff I guess they was never trained not to argue with the customers since the customers always right customer service 101, unfortunately for this bank this customer is highly connected in the legal field and won't tolerate it. 

On XX/XX/XXXX i was charged once again by the merchant XXXX for {$20.00} after I told Santander to do a stop pay and I told the merchant the same thing both parties agreed because I don't use this account until time to pay bills because I cant take a direct deposit off of it, I noticed there was not one but 2 over draft fees for {$35.00} which I refuse to pay now messing my daughters money up. This isn't the first time approaching the bank about this charge when I called XX/XX/2020 the rep was very inappropriate and tried to tell me that I never called about the matter which frustrated me and now I am reporting the company to CFPB

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 2023-05-14
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A person that I am certain I met online logged into my XXXX account and successfully deposited a check with my mobile account for {$10000.00} ( Endorsed/signed by XXXX. XXXX ) as if it were a check from the IRS write to me with my name and address. The bank cleared {$5000.00} of that check and a few days later it was returned as " altered ''. Next, he transferred funds from my XXXX account and performed a Cash App transaction with the user name XXXX XXXX ( XXXX XXXX ) from my personal Cash App account. He could not transfer more than {$1500.00}. I filed a fraud complaint with my bank and Cash App. Cash App did not investigate and told me basically that because the transaction had cleared, that I was out of luck. They did very little to help and I couldnt contact them in time to dispute the transaction before it cleared since it was out of business hours. If they have the persons cash app account and name with a bank or card to transfer to, why can it not be traced and why is there no protection for these financial institutions? They did nothing. I have filed with the FBI but I would also like to file with cash app for doing nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
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:
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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union reported 3 criminal records on me. ALL 3 ARE BOGUS. 

1-they reported a routine civil traffic violation as a XXXX XXXX  FL criminal complaint and settlement. Totally bogus. 
2-they reported a XXXX XXXX XXXX XXXX XXXXn XXXX XXXX  FL . I lived in XXXX  until XXXX and NEVER have had a XXXX XXXX complaint. 
3-they reported ANOTHER bad check incident in XXXX XXXX  FL in XXXX ( or XXXX... hard to tell ). I lived in XXXX  until XXXX and have NEVER had a XXXX XXXX complaint or charge. 

This has affected my immediate urgency to get a rental home. 

Shockingly bad behavior from a crucial company in this process. 

I have an occupation that would have revoked my license if I had such complaints. None of the above happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
I set these student loan Accounts on auto paid and thinking that is in auto paid. I got car accident and I was in and out of the hospital. I wasnt aware that the account was late. The company didnt call or send me a letter to inform me. I call them up explain the situation. I called the lender up explain the situation. They stated it was still my responsibility to call. I told them how can I Call if I didnt know ; also I was in out of drugs and was in multiple XXXX. When I was Partially recover I made may payment and contact the lender right away when I saw my credit score down due to the late on the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a bank of america credit card. In XX/XX/XXXX the minimum payment changed. I was enrolled in an automatic bill pay. The automatic payment amount was not changed to reflect the higher minimum. The payment was credited as late, and a late charge applied. This happened until XXXX of XXXX. At such time i became aware of this. ( no attempt to contact me about his problem was made ). In XXXX i believed this was taken care of. I spoke to them, they adjusted my account and the guy told me my payment was straitened out. 

today,XX/XX/2018 i find out that in fact the exact same thing has been happening since XXXX of last year. The guy i spoke to in fact did not fix my payment methods and although the minimum at the time was lower so that the amount my account was set to pay was sufficient for XXXX, it then back higher and again i began accruing late fees. I contacted them and they refunded some ( but not all ) of the fee, but they then told me i had make changes to my account via web page in order to get the account to where it would make a minimum payment every month, regardless of amount. 

The process is unnecessarily onerous and complicated. As someone with experience designing and creating websites and bill payment systems theirs is overly convoluted. After 18 months and 2 lengthy attempts at contacting them, my account is still not set up to make a recurring minimum payment every month. However only after my second interaction am I left with the knowledge this is not the case. 

As a credit card consumer, their process is so vastly different and outside the normal experience ( regarding setting up a payment for the minimum amount every month, i can only conclude that this is deliberately difficult in order to confuse consumers about the state of their account. 

These practices are at best indicative of inapt user experience planning, but more like a result of deliberate and intentionally deceptive design.

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I heard on XXXX, XX/XX/2020, that America First Credit Union would be charging $ XXXX monthly for their premium checking. 

Everyone of their account holders will be moved to that premium checking account. They stated you can call a number to opt out of the premium checking and have the normal checking, which is free. 

I haven't received an email or notification about this. 
So without XXXX I would have been left clueless as they took money. 

I feel its completely disgusting that they would force people to opt out of a paid service. Rather than encourage everyone to opt in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: TN
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:
At the initiation of me surrendering my property back to the mortgage provider, I sent paperwork, legal documents and other pertinent information due to the home being sold illegally by a builder who was not licensed to build a home. Inevitably, the home 's foundation failed. The home sold at auction in XXXX. The mortgage account was closed with the correct payment statuses listed in my report. There is no foreclosure listed, and that is correct. In XX/XX/XXXX, I received a 1099C with and identifiable code of G which is identified as decision or policy to discontinue collection. Not identifiable code D, which is foreclosure. Which is correct. I have repeatedly requested the loan company update my credit report to reflect this and remove any remarks listed. Nothing has been done although my XXXX  report has been updated as of XX/XX/XXXX to reflect a foreclosure code. My XXXX  report is correct. My Equifax report still states foreclosure. 

The mortgage company has failed to remove this information from my credit bureau reports after multiple attempts. Either I need an updated tax form or they need to remove all remarks and statues stating foreclosure from my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2021-05-21
Company: FIRST ADVANTAGE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was offered a job working for XXXX store in XXXX XXXX, Louisiana which I accepted the job offer. I submitted to a background check that was performed by a background company called " First Advantage '' They reported unfair and false information on my background check saying that I was convicted of an XXXX XXXX XXXX XXXX XXXX ; which was completely false! I have never in my life been convicted of a XXXX XXXX XXXX in my life. Because of this false unfair error that was reported I didnt get the job. I have contested the report ; however, the damage has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: WA
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 disputed a way someone reported me on my credit report. I did this on XX/XX/XX/XX/XXXX Within hours they said it was " updated '' However they marked me as a collection for XXXX XXXX and XXXX ofXX/XX/XXXX 
-This account was paid and closed in late XXXX. 
-The company was supposed to waive any lates or charges In XXXX, XXXX, and XXXX of XXXX which is what I was reporting. 
-How can Experian just " update '' what they assume without looking into it and then I am the one that suffers. This is ridiculous. 

-TAKE THESE WRONG MARKS OFF OF MY CREDIT. I AM TIRED OF THEM SCREWING THINGS UP WHEN I NEED IT FIXED!

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the 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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Name is XXXX XXXX Todays Date is XXXX XXXX And Im The Only One Involved in this CFPB complaint and FTC Report Number Is XXXX TransUnion Block Me From Viewing My Report Online, I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called TransUnion Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With TransUnion..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called TransUnion Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way TransUnion Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report XXXX XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquiries reported wrong on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX. My student loan was being serviced by XXXX soon after moving to XXXX I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX XXXX XXXX this is around XX/XX/XXXX. I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX  is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME 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 2020-11-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
ally auto finance gave me a 14.2 % loan inhumane rate then covid came and law allowed for 3 month extension. after making 7 payments of XXXX $ they took it all as interest almost 7,000 and XXXX to principal. this should be illegal. it is inhumane, cruel, and not possible to manage specially in hard times

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 2020-07-15
Company: TD BANK US HOLDING COMPANY
State: NC
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 was listed as an authorized user on an account, ( TD Bank credit card ), in order to help a woman who was physically unable to do her own shopping or fill her prescriptions. Now, years later, I find {$21000.00} in charge-offs for that card showing up on my credit report and damaging my business credit. 

I was never an account holder, simply an authorized user. 

Disputed with no results.

Company response to consumer: Closed with non-monetary relief