vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Complaint Regarding Deceptive Practices by Santander Bank Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Santander Bank regarding what I believe to be deceptive and unethical practices. As a customer of Santander Bank, I have encountered several troubling issues that I feel warrant your immediate attention. 

Summary of Issues : Misleading Information About Loan Terms : I was provided unclear and misleading information about the terms of my personal loan product. Despite repeated inquiries, the representatives at Santander failed to explain crucial aspects, such as interest rates, hidden fees, and early payoff penalties that was not in my initial contract upon taking out a personal loan of {$25000.00} on XX/XX/XXXX. I was told there is a {$0.00} I will have to pay to close out this loan and also was told that the same goes for credit card accounts, which doesn't make sense Improper Billing and Payment Handling : I have experienced numerous instances where Santander improperly applied interest payments, even though payments were made on time and in full to close the loan on XX/XX/XXXX. When I contacted customer service to resolve these issues, they were unhelpful and dismissive, failing to rectify the mistakes after I told them my contract stated there is no penalties for paying off the loan in full early. 

Unjustified Account Fees : I have been charged excessive and unwarranted fees that were never disclosed to me when I opened my account. These fees were applied in a manner that contradicts the terms initially agreed upon. As of XX/XX/XXXX the loan amount was {$22000.00} was the reflecting balance and a payment in the said amount was made on XX/XX/XXXX to close out the loan. withing 20 days after the full payment was made Santander started charging additional interest of {$220.00} instead of closing the loan, I was told by a representative that they took out XXXX payment which was not due in XXXX when they received XXXX payments. 

Failure to Provide Accurate Account Information : Despite requesting detailed statements and records to clarify the confusion around fees and payments, Santander failed to provide transparent or accurate information. The customer service agents consistently gave conflicting responses, making it difficult to resolve my concerns. 

Impact on Me : These deceptive practices have not only caused me financial strain but also significant stress and frustration. The lack of transparency and accountability from Santander Bank makes it impossible to trust the institution with my finances, and I believe other customers XXXX be facing similar issues.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX IS AWARE OF MY IDENTITY BEING STOLEN I PROVIDED PROOF THEY REQUESTED IN XX/XX/year>. These are STILL on my credit report AFTER providing PROOF OF IDENTITY THEFT!!! 
They know that the email address AND the physical address used NEVER WAS MINE!!! 
My credit report is destroyed due to their fraudulent negligence!!!!

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX IS AWARE OF MY IDENTITY BEING STOLEN I PROVIDED PROOF THEY REQUESTED IN XX/XX/year>. These are STILL on my credit report AFTER providing PROOF OF IDENTITY THEFT!!! 
They know that the email address AND the physical address used NEVER WAS MINE!!! 
My credit report is destroyed due to their fraudulent negligence!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX IS AWARE OF MY IDENTITY BEING STOLEN I PROVIDED PROOF THEY REQUESTED IN XX/XX/year>. These are STILL on my credit report AFTER providing PROOF OF IDENTITY THEFT!!! 
They know that the email address AND the physical address used NEVER WAS MINE!!! 
My credit report is destroyed due to their fraudulent negligence!!!!

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 2024-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
someone opened account in my name fraudulently MACYS/CITIBANK, N.A.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I send experian a letter on XX/XX/year> and another on XX/XX/year> they are stalling saying i'm a 3 party

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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX XXXX  Rule 1002.142 ( b ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 
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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern about several discrepancies on my credit report. Upon reviewing it, I discovered inaccuracies such as incorrect account listings, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently require your help in addressing 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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my serious concern about several discrepancies on my credit report. Upon reviewing it, I discovered inaccuracies such as incorrect account listings, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently require your help in addressing 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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Hello, On XX/XX/XXXX, I received an alert that my XXXX XXXX changed, so when I logged into my XXXX XXXX account, I saw that my score had dropped XXXX points. I thought that was strange, so when I looked at what happened, it said that I had a change in debt. I looked at all my " debt '' and it had nearly doubled. I thought that was extremely strange and the worst possibility was that I potentially had identity theft. I checked to see the debt I had and quickly realized that nearly all of my student loans had been listed on my TransUnion report twice. My other XXXX XXXX for XXXX was unchanged. XXXX XXXX lists XXXX new XXXX  accounts detected. I've had the same student loans since XXXX when I graduated, but my account says there are XXXX new accounts open since XX/XX/XXXX. I know there are issues with the litigations going on, but my loans were placed in forbearance and are still in forbearance. I'm complaining because XXXX has been difficult to work with in the past, and I'd like to start a formal XXXX XXXX for this occurrence. I'm also not sure if the issue is TransUnion, but I want to get to the bottom of this. 

Checking my XXXX XXXX XXXX account, I owe {$24000.00} in student loans, which is accurate. I took out the maximum federal loans for my XXXX degree. I earned an XXXX award in XXXX and paid off a little over {$6000.00} on a XXXX XXXX. XXXX loan was paid off ( about {$1800.00} ) before I graduated college in XXXX. My TransUnion credit report now says I owe {$49000.00}. That's nearly double my actual student loan amount. I have not taken out any other student loans, nor have my loans had enough time to double in interest, as it is only XXXX and they've been at XXXX XXXX interest for a few years since XXXX. Also, they're XXXX  loans, so the rates were already around only XXXX XXXX. ( I'm just stating the obvious ). I am going to work on disputing the duplicity, but again, I want to document this egregious and ridiculous 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On multiple occasions, I have expressed to TransUnion that the alleged accounts they're reporting is in violation of my federally protected rights. TransUnion is directly ignoring my expressions. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I, a great deal of injury.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
.On XX/XX/year> it's been 60 days and they haven't responded, this affects according to the law section XXXX they must remove evrything that is not verified from my credit and i am a victim of equifax data breach. on XXXX XX/XX/year> i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section XXXX I surely was a victim of the XXXX date breach

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, NY XXXX XXXX : XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - This account was charged off on the following date ( XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - The date of the last activity, the highest balance and the date opened 3. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - A lot of items inaccurate check the report on the picture Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
After my bank was notified of the garnishment, it did not follow the court order. The Consumer Financial Protection Bureau ( CFPB ) finalized an enforcement action against Bank of America for processing illegal garnishment orders against its customers bank accounts. Bank of America unlawfully froze my accounts, charged garnishment fees, garnished funds, and sent payments to creditors. The court order should have been processed under the laws and protections of the states where I live. Bank of America also violated the law by inserting unfair and unenforceable language that purported to limit my rights to challenge the garnishments. The CFPBs order requires Bank of America to refund or cancel imposed fees from unlawful garnishments. 

Most garnishments occur following court orders. State laws have limits or exemptions that apply to bank account and paycheck garnishments that are designed to make sure people have money left to live on following garnishment. XXXX  state laws have a limit on types and amounts of funds can be taken from a consumers bank account. 

Bank of America engaged in unfair and deceptive acts and practices that resulted in money from my bank accounts being frozen or taken when the garnishments were not permissible under the state laws where the accounts were located. Bank of America attempted to deceive me about my rights. Bank of America falsely represented to me that my rights to have certain funds exempted from garnishment were governed by the law of the issuing courts state. 

Bank of America misrepresented to me that my rights to have certain funds exempted from garnishment orders were governed by the laws of the issuing states when, actually, in most states, customers own state laws apply. Furthermore, imposing unenforceable clauses. Bank of America prevented me from pursuing legal claims against the company liable for improperly responding to garnishment notices ; however, account holders have the right to challenge garnishments despite any language in their account agreements to the contrary. 

Failing to adhere to consumer protections laws Bank of America acted on garnishment orders without disclosing the garnishment order and not those of the state where the individual lived. As a result, it improperly held, froze, and eventually turned over its customers funds to judgment creditors.

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