BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
Santander Consumer USA was ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ), the CFPB said in a press release. 

According to the release, Santander allegedly knew that it provided incorrect consumer data to the three major credit reporting agencies ( CRAs ). 

Santander is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release. 

Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent, according to a consent order. During that time frame, Santander reportedly sent incorrect information on millions of accounts to the CRAs. 

Aside from the {$4.00} XXXX civil penalty, the ruling requires that Santander must correct all inaccuracies and errors and implement measures to improve and ensure the accuracy of the consumer information it provides to CRAs, the release stated. 

The CFPB also alleged in the order that the internally inconsistent errors should have been readily apparent to Santander. The agency said the lender knew something was wrong as early as XX/XX/XXXX. 

The order indicated that Santander must submit a detailed compliance plan to the CFPB within 45 days. 

The shift to digital brought on by the pandemic has disrupted many industries, including the car buying and loan industries. XXXX XXXX research indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer. The research noted that roughly one-third of car buyers are now doing the loan process online, and XXXX percent said they prefer it that way. 

British banks including Santander, XXXX XXXX, XXXX and XXXX are reportedly planning internal investigations to ensure fairness in lending during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CITIBANK, N.A.
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 with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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:
The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received two notifications that Navy Federal Credit Union had ran my credit. It was strange to me since my credit was locked. How is a credit union able to manage this? On XX/XX/XXXX I received another notification via XXXX that another hard inquiry was submitted. As perplexed as I was I reached out to the company and received no resolution. On XX/XX/XXXX I received a notification that a credit card had been opened in my name. I reached out to the company and we confirmed that the date of birth was incorrect as well as other facts- such as the addresses being incorrect. I have never lived in XXXX XXXX or in North Carolina. However, there were the addresses. At this time, my credit was also locked. I reached out to the company and still- have not received a resolution. I am now being hindered as my credit score is being affected by these three inquiries and a now delinquent account for which I am not responsible for. How is it that this credit union was able to not only submit inquiries but also open an account while my credit was locked?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
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 noticed a few accounts on my report I do not recognize

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 2022-07-28
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: Account status incorrect

Complaint:
there was an update on XXXX XXXX XXXXXXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge off

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 2023-03-11
Company: Experian Information Solutions Inc.
State: PA
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:
In XX/XX/2022 I requested that 3 collections be investigated and removed from my credit report after requesting the accounts be investigated. I have not heard anything regarding these accounts and they continue to hurt my credit worthiness.The accounts are below. 

XXXXXXXX XXXX XXXX XXXX XXXX AND 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 2023-03-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm trying to get my free annual credit report from Equifax. 
I tired their online system, but there is a point at which it sends an email with a one-time verification code. The email arrived, but there was just a blank space where the code should be. I will attach a screenshot of the email so you can see there is no verification code in it. 
I tried getting by their phone system. The Equifax operator I spoke to had me open a mobile app that takes pictures of my driver 's license and my face. The app took pictures of my driver 's license, but it would not take a picture of my face. 
I tried their mail system. I got no response at all. 

Please make EQUIFAX send me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/19, I submitted two gift cards sales to XXXX, which advertises that payments are turned around in 1-3 business days. It's now been close to a month and all effort to reach said company have been fruitless. The amount of each transaction is {$15.00} and {$38.00}. I have called numerous times, left voicemails that go unreturned, and sent emails that are never answered. For business practices like these, they deserve to go out of business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: IL
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:
I sent a letter off on XX/XX/2022. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financil instutuion is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my Wells Fargo checking and savings accounts were illegally accessed without my providing any bank information. Without my consent, {$25000.00} was transferred out of my savings account. 

Wells Fargo never notified me of this " oddity '' which had never occurred in any of my accounts in 23 years of being a banking customer. 

When Wells Fargo investigated the claim, they did not address the illegal transfer from my secure accounts. Instead, they attempted to reclaim the money from the checking account that had been immediately closed after the fraud. When they discovered the account was closed, they took no further action and closed the claim. 

They never took responsibility for account having been hacked from the outside without any of my consent and the money illegally transferred out of my savings account. The total loss was {$24000.00}. 

There was no disclosure to me of the fraud committed against my accounts and Wells Fargo claimed no responsibility for the fraudulent and unauthorized transfer of the {$25000.00} from my savings 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: Bread Financial Holdings, Inc.
State: NC
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:
Hard inquiry appeared on my credit XXXX  report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax claims to offer an online dispute tool that hasnt functioned properly between XXXX and XXXX of 2022. I have used multiple file extensions from PDF to JPEG to PNG and nothing will upload in this tool even though on my end it sometimes says it has. After multiple disputes and multiple calls I came to find out nothing has even uploaded or been submitted at a supporting document for my disputes. Additionally one of the disputes has taken well over 30 days to complete and is still showing as being investigated. I have received no help from Equifax. Additionally they are now asking to have government IDs and proof of address mailed to them as proof of who I am in a dispute when they have had me verify who I am a number of different ways and claim to be mailing me information to the correct address. It doesnt seem they are able to carry out the functions of a credit reporting organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 with the fair credit reporting Act XXXX  XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX, XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: GA
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:
With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # 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 2022-12-02
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have included XXXX XXXX in my bankruptcy filing over 2 years years ago. They came about out of no where recently sending me emails about debt collection and just recently reported 2 separate debt collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Rocket Mortgage ( Loan ID # XXXX ) in XX/XX/XXXX to purchase a property. The set closing date was XX/XX/XXXX, however, the appraisal report from them came at XXXX PM XX/XX/XXXX. I could not close that property on time and lost the earnest money. They emailed me on XX/XX/XXXX informing me about the problem with the appraisal being delayed, and promised to refund me the appraisal fee if they can not close my loan on time ( see attached file ). 

Now it has been 6 months, and I have not received any refund from them. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-01
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX works for ( PRMG ) program residential program Group Inc. Under XXXX XXXX was our lender REALTOR XXXX XXXX XXXX I were trying to buy a condo or home through these two people. The first excuse was the person who put the ccondo on the market at XXXX XXXX. Was told FHA. Problems and a lot deal from both ends. The on PUT on market wrong was not on market for 90 days. THEN XXXX income was to low. If XXXX good at numbers THEN how did he miss that. XXXX was told XXXX was a XXXX  before contract was sign. He told both he was going back FULL time in the fall to schoool. XXXX at XXXX said she had talk to XXXX. I lost {$1100.00}. reach out to XXXX boss and I got back {$320.00} was told GO after the lender he ran the numbers. Was in from was a breach of contract.XXXX Legal advise report them all should known I want my appraisal fee back from XXXX company. Both agree pay for our next fees. I told I don't like taken money like that. She called I told both I want my money back XXXX XXXX XXXX {$500.00} more XXXX from both then she took it back. Said was there fault didn't like how bad she talk of other people and theXXXX said his XXXX look over it and boils down to XXXX income..wife had no business looking at our paperwork She not our lender.. XXXX said I was connecting fraud by not having XXXX move in with me but his name was on the contract. I was informed by my lawyer doesn't matter who's on the contract as long as the house note is getting big. They're a ton of people that buy houses and they don't live in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and my information was found on dark web and Equifax data breach. I demand this XXXX XXXX XXXX account be removed from my credit report its fraud the law prohibits fraudulent items from being placed on my credit report. I'm in the middle of purchasing i need to have this removed immediately. This is a violation of my consumer right to privacy and defamation of character lawsuit will be assessed if this account is not removed 1,000 per violation. 

I have attached my FTC REPORT FOR YOUR REVIEW THIS ACCOUNT SHOULD NEVER SHOW UP AGAIN ON MY CREDIT REPORT. FAILURE TO REMOVE WILL COST {$1000.00} PER VIOLATION 15USC 1681 A, B, D

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CCF Intermediate Holdings LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Never applied for loan I was cyberly hacked where I ended up leaving one bank for another. I told this company not to harass me, and they continue to do so through email, and regular mail as you can tell this has been over XXXX years. They threatened me with warrants, jail, and other form of intimidations. I responded very brutally with all kinds of XXXX  words, and innuendos. I want these types of people to stop emailing me nor are they going to get any money from me I do not owe nor have I dealt with these people cause someone is obviously using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES : XXXX, XXXX, XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYERS : XXXX XXXX XXXX XXXX, AZ PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX COLLECTIONS : CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX SC XXXX XXXX 'S XXXX XXXX XXXX XXXXXXXX EQUIFAX EMPLOYERS : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation