BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i opened an account with santander bank in XXXX, nj on XXXX XXXX, 2016 with a promotional bonus of XXXX dollars within 30 days after having my account open for 90 days and meeting XXXX in direct deposits. I have met all these requirments and we are on day XXXX and i still have not recieved my credit. I have emailed the cs of santander with a ref of XXXX and still have yet to receive a response. I have also called account services and was given a ref num of XXXX on XXXX XXXX, 2016 and my credit has not been issued. When i opened my account on XXXX XXXX i brought with me a coupon which i had emailed and gave to the women who opened my account. I get direct deposit from my employer every 2 weeks and have met the XXXX total a long time ago. I dont feel i should have to fight for money which was promised and is still being promoted on their site as of today

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
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander Consumer USA.XXXX 
It has the wrong account balance. The report balance on my credit reports shows {$11000.00}. The online portal shows {$10000.00}. The information that is reported on my credit report inaccurate. CFPD and the credit bureau has claimed that the validated the balance which was not true. The is a federal violation. I demand this debt to be removed. Otherwise, I will have to legal actions with my attorney to get a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have payed my ( on time ) mortgage for my home since XXXX, XXXX XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a VA refinance loan. I applied for a XXXX XXXX Loan at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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 sent a letter on 10/15/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} ; 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 2016-01-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out a private loan while attending XXXX in XXXX PA with XXXX XXXX after being told I had to or go home that night, I was told it was my only option. I signed the documents not knowing or understanding the terms of the loan, i feared i was going to lose everything I had worked for up to that point. When I found out the loans were being charged over 20 % interest after I left school I tried to get them at a lower rate but no banks wanted to touch them. I finally got XXXX XXXX to reduce the rates to 13.5 % but it still was n't enough. I continued to struggle and for 31 months I was unemployed and my only option provided by them was forbearance. When I went back to work I continued to struggle to pay the loan. Fast forward to now and recently I spoke with a manager at the new branch of XXXX XXXX, Navient, name XXXX XXXX. He told me info for the first time that was denied to me for the entire time I was struggling with payments, my original loan amount being the {$21000.00} and that I had paid {$43000.00} on the loan while I was making the payments. He also informed that I currently owed " a little more than {$26000.00} '', after the initial rep said {$28000.00}, and that I was scheduled to pay {$350.00} a month until XXXX of 2029, this totaled {$100000.00} on the original {$21000.00} loan. I then told him I 'd like to settle but he said I 'd have to make a payment of whatever amount I committed before it would be accepted. I told him I 'd have to see what I could make available and after number crunching the loan amounts the payout on the loan, it would have been a total of {$46000.00} by the initial rates had I been on time and rated at the 10 years I thought it was. I thought I would then offer the difference of ehat i paid and the original loan, was informed it was actually 15 years and it 's been XXXX so I was confused why it was still so high if 6 years from now is the pay off but I 've already paid almost everything? I tried for several days to reach XXXX XXXX but he was unreachable, he called back once after I had left a message saying I 'd be unavailable after a certain time, coincidentally it was during that time. I decided to call the main center they have set up and was continuously told he 'd be on the line soon when a woman named XXXX XXXX picked up. She was n't interested in numbers nor my offer to pay the remainder of the original note citing the forbearance as the reason it once again inflated to XXXX. I was told I could set myself up again in a program to pay it off but I ca n't continue to struggle and get no where in this loan, i need help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 2021-03-18
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I authorized a balance transfer from my Apple Card to my XXXX card, for the amount of {$1000.00} plus {$50.00} transfer fee. On XXXX XXXX, XXXX, I realized that the transfer had not yet gone through on my Apple account, so I messaged XXXX. They told me to wait another 14 days. I waited and contacted them again on XX/XX/XXXX by phone, and they told me to contact Apple because the transaction had gone through on XXXX 's end. I called Apple, and they informed me that they do not accept balance transfers ; therefore, the money. had been sent back to XXXX. I called XXXX to inform them of this. I was told that a senior account specialist was looking into my complaint, but then I never received followup on the issue. On XX/XX/XXXX, I called XXXX again, and they told me they could not help me. On XX/XX/XXXX, I filed a complaint with the BBB. The {$1000.00} was temporarily credited to my account, until XX/XX/XXXX, when XXXX decided that the issue was " resolved, '' and they sent me a letter stating that I would have to take up the issue with Apple. I then sent Apple/Goldman Sachs a letter by mail, explaining the situation and requesting that they work with XXXX to resolve the situation. Nothing ever came of that request. I still owe {$1000.00} to both XXXX and Apple.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had sent Navient a letter requesting the removal of 3 late payments that occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As with any loan I have had in past for school once you graduate you have 6 months to start to repay. I was still in the grace period those months except possibly XX/XX/XXXX. I mailed a certified letter to Navient XX/XX/XXXX requesting the removal of the late payments due to being in the grace period and that particular loan was consolidated among XXXX other loans on XX/XX/XXXX. I even sent them a letter from University of XXXX. Navient responded that they are reporting correctly, in which I do not agree with. I never recieved anything from them stating that I was to start repaying the loan. I only noticed this error when I checked my credit report. The loan was from XX/XX/XXXX and I was attending XXXX. This loan was paid in full on XX/XX/XXXX due to consolidating my loans. Not once did Navient send me a letter stating about repaying the loan or start date to repay it. The loan was for {$2200.00} which was paid!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. 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 non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: IN
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2015-06-02
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Other

Complaint:
USBank has eliminated and changed the benefits of their XXXX co-branded credit card. When I submitted my credit card application, XXXX of the benefits was a XXXX night when redeeming points for XXXX night. This benefit has been removed effective XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
The account has been re_aged by portfolio recovery agency. Same account number different dates. This is highly illegal and I request it to be removed immediately. A letter is to be sent following removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: IN
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-11-01
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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2016-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a Hardest Hit Fund Principal Reduction Permanent Loan Modification after being in a trial loan modification in XXXX XXXX through XXXX XXXX. The permanent loan modification was mailed to my house via XXXX on XXXX XXXX, XXXX and requested that the documents be reviewed and sent back by XXXX XXXX, XXXX. The documents required a notary as well. My health has been delicate over the last few years due to a medical hardship and sometimes my memory fades. I inadvertently lost the paperwork that I wanted to give to my attorney to review as well a notary. I requested that Bank of America send another loan modification package to me but they refused. Bank of America mailed me a letter dated XXXX XXXX, XXXX advising me that I was no longer in consideration for a loan modification because I did n't return the permanent modification documents. I appealed the decision but Bank of America denied me the appeal. During this time, I 've made every scheduled mortgage payment and Bank of America recently returned my XXXX XXXX payment and put my property in foreclosure.

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 2016-07-02
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Central Financial Control.

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 2022-11-01
Company: EQUIFAX, 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:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
well some time in XXXX I called the mortgage which is wells fargo to ask how much would it be to add taxes and home owner insurance to the mortgage and they said they would check and see and get back with but when they got with me it was a statement with the new payment amount with taxes and insurance added in so they never got back with me to see if I wanted to take it so they added it with out permission and now they are saying they can not remove it and not adding my payments to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation