BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a fraud report with my bank ( Santander ) due to some unauthorized activity that took place. The bank took action by freezing all of my accounts. Since this is the second instance of fraud involving this institution I decided to open a new account with a different institution XXXX XXXX XXXX XXXX XXXX. I was told by the representative with the fraud team at Santander that I could write a check on my existing account to fund the new account with the new institution XXXX XXXX XXXX. The reason they would allow for this exception is because I live four hours from the closet Santander branch. I was told that I just need to call the fraud team, give them the check number, amount, and the name of the depositing bank, which I did. A few days later I was notified by my new institution ( XXXX  ) that the check I wrote to fund the new account was rejected by my old bank ( Santander ). I have been calling for two days trying to speak with a supervisor and to get someone to authorize a wire transfer so I can move my funds from the old bank ( Santander ) to the new institution XXXX XXXX XXXX. I have spoken with at least three different reps an no one has been able to assist. I am being left on hold for hours on end only to be told that someone will call me back and then I do not get a call. Santader is has $ XXXX of my money and is now allowing me to access it.

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 2021-12-01
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXI-Date of inquiry XX/XX/XXXX XXXXL-Date of inquiry XX/XX/XXXX XXXX FI-Date of inquiry XX/XX/XXXX CXXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I XXXX XXXX, was contact by someone named XXXX XXXX, who didnt leave the name of the company she is with, she left the claim number XXXX. Stating she is calling regarding my account with check into cash. The phone number she left for me to call her back is XXXX. XXXX XXXX also stated if this matter wasnt taken care of today XX/XX/2022, she would be sending an officer to my location to have me arrested. 

I have contacted Check into cash myself, and was informed by a customer care representative that after checking all three of their systems, I do not have an outstanding account with them. She informed to make a police report regarding the fraud. I contacted my local police department and they advised to submit the information here.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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.

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 2019-07-09
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
From XXXX XXXX I was contacted by FBC Mortgage , LLC Underwriter XXXX XXXX and she was disrespectful and Call me to verify a credit card that was paid off and was at a XXXX balance. She had me call XXXX on the phone with her on the line to verify that it was a XXXX balance. I had to state my password and other personal information and once I completed the call I called XXXX and changed my information. I submitted documentation showing my credit card had XXXX balance and credit in my favor. I also submit the document for my XXXX XXXX as well. She went on to ask me why I purchase grocery at the military base and why did I withdraw {$140.00} from the ATM. She stated are you sure that was your XXXX XXXX  money and that is when I stop speaking to her. When I requested FBC mortgage for her information and that I will like to file a formal complaint against her for her unethical and disrespectful behavior. I feel she was discriminatory towards me because of my veteran status. FBC gave me only an email to file the complaint and no one has contacted me. FBC refused to give me her information or reprimand her or even apologize for your behavior. This is no way to treat a veteran and a XX/XX/11 survivor. This underwriter is biased towards veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Performant Financial Corporation
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Performant Recovery has very rude reps. They argue about your loan. They hang up the phone on you. It's almost as if they are a scam.

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 2017-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One sent my credit card statements to my old office despite the fact that I sent them a change of address showing my new office suite number. 
I got a call from their collection Department after several months and I explained what happened. They reversed the late charges and penalties, but reported my account to the credit agencies as delinquent and in collection. My credit score has been significantly lowered and Capital One refuses to correct the information they gave the credit agencies. ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
SINCE YESTERDAY XX/XX/XXXX I AM TRYING TO TRANSFER MONEY TO MY ORIGIN COUNTRY ( XXXX ). I ENTER ALL DATA TO SEND USD XXXX TO MY COMPANY IN XXXX BUT CITIBANK ASK ME TO MAKE A PHONE CALL FOR SECURITY REASON ( DESPITE ) I HAVE ENTER ALL SECURITY PASSWORDS AND QUESTIONS. 
IS NOT THE FIRST TIME I HAVE PROBLEMS WITH THIS BANK. 
ITS SO MEDIOCRE. I M GETTING OUT OF THAT BANK BUT I NEED TO MAKE THE TRANSFER. ITS SO FRSUTRATING TO HAVING YOUR MONEY WHEN YOU NEED TO.

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 2019-07-09
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: Information belongs to someone else

Complaint:
I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX US DEP ED, XXXX and some account that only have an account number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions 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:
I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX US DEP ED, XXXX and some account that only have an account number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Transunion has this account listed incorrectly. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2017-12-26
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX purchased my account from XXXX on XXXX XXXX 2017 and did n't contact me once and then XXXX XXXX 2017 I received a notification from my credit report that my score had fallen due to a debt collector. I had never heard from them nor received any warnings. 

XXXX XXXX XXXX showed up on my credit report one day without any notification. I called in to see what the problem was and was told that they had not attempted to contact me due to an address error? So instead of looking into this, they notified the credit bureaus with a negative file. 

I attempted to contact them multiple times and without fail the women on the phone told me there was nothing I could do and that even if the amount was disputed, they still would n't contact the credit bureau to notify them of wrongdoing on their part. I 'm aware that there needs to be a notification of at least 30 days before this happens, which I never received a single one. The folks on the phone were incredibly rude and refused to help me with the incorrect negative marks on my credit file. 

I have also read that they practice debt collection in states that they are not licensed in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Rocket Mortgage, LLC
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:
On XXXX/XXXX/XXXX I received a call from Quicken loans ( XXXX ) stating that they could help me look for the right mortgage. The rep asked for my social security number in order to confirm my identity, so I gave it to him. I asked if he planned to run my credit and he said 'yes ', I immediately told him that I did not consent or give him permission to do so. He then said that it was too late. According to him and his supervisor he said he would fix the inquiry, but they never did as it shows up in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a victim of identity theft yet the company has decided against me to keep my account open. I have been trying to fight this case for the past 2 months and I have now had enough of trying to fix this with them. I will be attaching a letter in detail describing my situation and the laws they violated as well. I have legal representation prepared incase the outcome is not satisfactory to my desired outcome of this situation. They are violating my rights as a consumer and denying me an account that I did not commit fraud under which is a major violation under these laws : 1. 15 U.S Code 5 1642 2. 15 U.S Code 6 1681M 3. 12 CFR 1002 I have previously submitted a complaint via CFPB, XXXX  and the Attorney General of California yet I was still denied. This will be my final attempt before I seek monetary compensation and pursue in litigation for defamation of character and mental anguish/trauma under 15 USC Section 1692d.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Phoenix Financial Services LLC
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: Old information reappears or never goes away

Complaint:
In the beginning of XXXX I called the company phonetic financial services and was told that this debt was from XXXX  I was not living in Florida in XXXX so I have no idea what this bill is from. I have absolutely no knowledge of this account and would appreciate it being moved. Im addition I feel it is a hippa violation and embarrassing to have this on my credit report. 
I have no idea what the charges are for and was never notified. I fear this may be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX should be removed from all 3 credit Bureaus. The dealership XXXX XXXX falsified the credit application to get me financed. My income is XXXX a month the dealership reported XXXX a month. We submitted this information to the finance company and have not heard back from them. We want all 3 credit bureaus to investigate by requesting documents, not just a signed falsified application. But submit proof of income provided to finance company.

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 2017-10-03
Company: URS Holding, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On the last week of XXXX this dept collection agency work for the Credit Card company, contacted my work and as to give a note to me to call them with different number than the one I have spoke to on the phone earlier in the month. I referred them to my dept consolidation company and they said they did not with their way of doing business. So I got home and called this number on note and found out who it was, I was okay to clear this up till my job said who is this and had to spell my personal life to my job, which in turn they said they should have never called here and had us contact you. I was furious and told this dept collection company I was not abide by the settlement, even though I just sent them a payment, i will not send anymore cause of this action at my job. They informed me I had not told them directly about not calling my job, only the Credit Card company new not to call, but this company works for them and I guess they do not communicate with them on what I had sent to cease communication to me and my job. Feel my rights were violated and they still said they did not violate them and got tired of them repeating themselves to me that they are here to settle the dept is all for this credit card company and all they would give me. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reached out to company and tried to get information about this account as well as a validation letter company had none of my information correct wasnt trying to help me file a fraud claim wanted me to give them my address an attempt to collect a debt asked for XXXX. A copy of the original contract bearing my signature that I actually sign on for this debt XXXX. I want a payment history from the original creditor that shows my payment of whatever i did with them

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 2022-04-06
Company: EQUIFAX, INC.
State: TX
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 to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
follow up to complaint number XXXX submitted XXXX/XXXX/XXXX TransUnion did not provide a responsive reply. The letter I sent to the company specifically stated " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 2 ), you are required by federal law to disclose the sources of information in a consumer credit file ... ..Pursuant to FCRA 609 ( a ) ( 2 ) : include the names and contact information of who you spoke to that verified the bankruptcy records ( furnisher of information ) and copies of documents they provided ''. 

Transunion has not provided the name of the person or persons spoken to nor the records used to verify. It is interesting how Transunion verified considering that I used the voice system to verify myself and the information is incorrect. Therefore I am very interested in knowing how Transunion lawfully verified BOTH bankruptcy public records since they are not verifiable and have incomplete and incorrect information. In which case they must be removed according to the laws previously cited. 

Therefore, because verification of the account can not be determined, the credit reporting agencies are obligated by law to delete in this case, an item, or entry, from all credit reports and 3rd party reporting agencies. The bankruptcies must be removed pursuant to Section 611 ( a ) ( 5 ) ( 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 explanation