BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: TX
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:
FTC VIOLATIONS he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: NEW YORK COMMUNITY BANCORP INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced the mortgage on my home in XX/XX/XXXX. PMI was automatically scheduled to fall off the loan in XX/XX/XXXX. It is still being charged on my current statement for payment due on XX/XX/XXXX. Further, I pay additional principal every month and I am 20 payments ahead of schedule. I am at payment 51 as to amount of principal left and PMI was scheduled to come off at payment 31. Meaning, my loan balance dropped below 78 % - when PMI should automatically terminate - over a year ago and has yet to be removed. I called Flagstar Mortgage about it in XXXX and again today to no avail.

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 2023-04-21
Company: BANCO POPULAR DE PUERTO RICO
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home in XXXX in 2013 from XXXX XXXX. A few months later Popular Bank purchased the loan. Now 10 years later, I moved to VA and found a buyer for the house. I XXXX  with the federal government. Popular Bank failed to complete the necessary documents and there are multiple lines in the title, which I have been made responsible to fix because Popular Bank went out of compliance with the laws by failing to complete that transaction 10 years ago. Now I cant sell my house and this could have negative impacts to my credit and life because they did not clear their transaction with XXXX XXXX 10 years ago and are not doing a thing to fix it. 

I need urgent assistance to close this issue. This is not the first time they fail to process documents. I had to refinance my vehicle and they did not provide the vehicle title so I was forced to leave it behind. Now I have to pay extra to go back and try to figure that part out as well because they failed to do that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
The congress approved XXXX XXXX dollars for small business. Upon calling Bank Of America on XX/XX/2020, I was told I was eligible for the P.P.A ( Payroll Protection Act Loan ) I followed up by talking to my local S.B.A., and they said I was eligible for this relief. 
I have been doing business with Bank Of America with my business checking account for over 15 years. I also do my payroll through the partnership Bank Of America has with XXXX XXXX XXXX. When I went to apply online, I was told that I was not eligible. When I called Bank Of America they said I wasn't eligible because I didn't have a loan with them. This is not the bill congress passed. This was not what the S.B.A. was told. 
Bank Of America is taking tax payer money and only dispersing the funds via the Payroll Protection Act to basically guarantee their loans. If this isn't illegal -- -- I don't know what is. I have not had to secure a loan, because my business has stayed fluid off of existing cash flow. Now myself, and three other people who work for me are out of work, and we are not getting the protection we were promised from congress. In my opinion the banks have no right to disperse the funds provided through congress just to people who owe them money.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXXl

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Do to the Coronavirus millions of people are having financial difficulties but this company refuses to do anything to help anyone out in this situation. they are completely selfish and all they want is their money they could care less about their customers or people in general these people should be reprimanded by the government it is absolutely unacceptable for them to treat people the way that they do. I am having financial difficulties through no fault of my own. All other loans, creditors, landlords, banks, mortgage companies are all helping with deferred payments, forbearance or skip pays. They are the only ones who wont. This will hurt me even more then I already am. I have spent the last 10 years clearing my credit and rebuilding and because they are not willing to help their customers, I will lose it all because of this ONE company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$1700.00} XXXX  XXXX XXXX  XXXX {$450.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY 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 explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-16
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Notice to agent is noticed to principle, notice to principle, is noticed to agent. 
This is to inform the CFPB that for the past five months Since the month of XXXX and to present day I am still Waiting for Santander Consumer USA to provide me with a signed invoice and a XXXX XXXX Contract The company has denied and refuse to provide me with that signed invoice. And since the company has not addressed my issue, I have asked Santander to set off the account. It seems like the company has no interest, but only to damage the consumer. So, I am taking the time to write another dispute and to settle this account, With XXXX Right of rescission. My decision Is because the company believe that I am dissatisfied with the vehicle. My understanding when I signed that contract with, XXXX XXXX XXXX I did not know I was signing A contract four Credit. I will Be sending A letter Certify mail of my right to Rescission on the date of XX/XX/XXXX I have tried to come into an agreement and keep this account in honor and just to let Santander consumer USA know how can you be satisfied when doing business with a dealership and a bank that likes to commit fraud, to consumers I suggest going back in XXXX when the company committed fraud in the state of XXXX Texas and just because I am a lawful consumer I gave Santander a chance to conduct business if Santander believe the disinformation is inaccurate I suggest searching on the CFPB XXXX Santander consumer USA and there you will see all the fraud you have committed, now you can ask me if I am dissatisfied, your answer couldn't be more clear. nice doing business with you and XXXX bless you and can your company provide the consumer what he's requesting, and your problems will be solved if you feel confused of what documentation I am requesting you should look into your books. And if you feel confused, you should ask XXXX XXXX XXXX, and also just keep in mind in this contract I have an arbitration claw with XXXX XXXX XXXX not Santander consumer USA, those attachments will be under this description giving in this portal thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Got a call from a process sever that they have tried to serve me. XXXX XXXX as a number to call XXXX XXXX XXXX. Called and the gentleman rambled off all of my personal info ; social, XXXX, phone and an old address. Said that I owe a debt to Citi for $ XXXX from 2006 and that they are going to sue me for the money and put a lien on my vehicle, which he then gave the year l, make and model and last 5 of my VIN and for committing fraud by not paying. He refused to give me the law firms address and web sent and demanded I pay over the phone right then. Called Citi and they verified I have no debt and that they use in house to collect. Process server called my brother in law the next day and left same message, after speaking to me on my phone. I called and asked them to stop calling any numbers they have and the gentleman at XXXX l, XXXX XXXX, told me he would keep calling me whenever he wanted and that its illegal to not pay your bills.

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 2023-07-10
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXXXX/XX/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 explanation
Consumer complaint received 2022-04-14
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 XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023, I received an automated email from Chase thanking me for requesting a new credit card. I did not initiate any request for a new credit card. XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I received a second email from Chase requesting information and documentation to complete the application process. I did not respond to this email. On XX/XX/, I received another automated email from Chase thanking me for requesting a new credit card. Again, XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I called Chase to alert them of the fraudulent activity, but they were not able to do anything at that time as their computer systems were down, so they told me to call back the next day. I called back two days later on XX/XX/2023, and they responded appropriately by closing the application request ( s ) and sending me information on the next steps. Later that day, received another automated email from Chase thanking me for requesting a new credit card. However, I did not receive another alert from XXXX this time. One of the next steps was to contact XXXX, whom I have an account with, to dispute the case ( s ). XXXX told me they would process this, but I also needed to file a report at FTC.gov. So here I am, reporting the issue. Once the report is filed, I need to upload a copy to XXXXXXXX including my ID ( driver 's license ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-14
Company: Block, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
you cant even talk to someone about your problems because they only do email and you still dont get the issue resolved cash app is a horrible app an has taken thousands of dollars from me an never have i once talk to a real person to get my issue fixed on so many occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-07-11
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We entered into an agreed judgement with Cheadle Law in XX/XX/2023. I made my first payment via their website on XX/XX/XXXX. I emailed them on XX/XX/XXXX and they said that one of the payments bounced. We had enough funds in the account to cover the payment. I contacted our bank and they said that Cheadle Law never attempted to withdraw the {$300.00} payment and that there was no XXXX history for the transaction. XXXX XXXX said that I would need to overnight cash, cashier 's check or money order. I didn't feel comfortable sending a payment this way. I attempted to make another payment on line on XX/XX/XXXX and XX/XX/XXXX and they told me those bounced as well. My bank once again said that they never attempted to run the payment. I've read several complaints on line that they have done this exact same thing to other people. They also sent no warning that they were going to begin wage garnishment. I've tried calling them and emailing them to work something out and I don't get an answer or a reply. I've also read that they work for loan sharks in New York. This company should not be allowed to practice law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  is keep trying to make me pay for an installment line of credit that I didnt agree to, the merchant signed my name off on this for a hair procedure I never got done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  is keep trying to make me pay for an installment line of credit that I didnt agree to, the merchant signed my name off on this for a hair procedure I never got done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: SC
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00}

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 explanation