BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: POPULAR BANK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Case Number - XXXX. 
Please refer to the case number shown above. I understand that this has been closed. 
However, although one of the banks, XXXX XXXX, has done their best to assist and actually provided me with new information, e.g. a copy of the check sent by them and contacted the Popular Community Bank, they hit the same brick wall I have been hitting. This bank refuses to assist or investigate the issue claiming the account holder 's security. 
As previously stated, the check has to date, not been credited to the correct payee, XXXX XXXX XXXX From the information received from XXXX XXXX XXXX the check seems to have been credited directly to a Popular Community Bank account! Due to the time difference, it is difficult to discuss the issue by telephone from XXXX XXXX. In any case, the PCB has not been helpful in investigating this issue and even refused to investigate when Ms. XXXX XXXX the accountant at XXXX with I dealt with contacted them, again claiming customer protection. I respectfully request that you contact the PCB and on my behalf demand a thorough investigation on this issue, recover the {$2000.00} from the account to which it was credited and refund the same amount to my account at XXXX XXXX. No more, no less. I am a pensioner with low earnings and I want my money back.

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 2020-10-08
Company: EQUIFAX, 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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : CREDIT XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After Equifax lost over 140 million people 's sensitive data, I place a freeze on my credit for this bureau. Since then, I've had a very difficult time having my freeze lifted. Earlier today, I attempted to open an account in order to purchase a new XXXX at an XXXX XXXX. After calling Equifax, and confirming all of my personal information, I was told that I'd need to mail into them a copy of my driver 's license and social security card. This is unacceptable. Equifax is holding my personal data XXXX. I'm essentially unable to now purchase anything because of Equifax 's outrageous and uncalled for shutdown of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: ID Analytics, 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:
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection company has never contacted me, but has recorded a collection account on my credit report as of XX/XX/2020. My wife indicates she paid this bill and I would like the account removed from all credit reporting agencies that they do business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I called Transunion today because I am aware of 2 separate database glitches they had during  XXXX  and  XXXX  in which everyone 's INQUIRIES were deleted. Once they realized what the glitch had done Transunion ILLEGALLY put those inquiries back on the credit report WITHOUT giving a mandated 5 DAY PRIOR WRITTEN NOTICE. I spoke with a foreign representative for TRANSUNION and he was EXTREMELY rude and told me he could n't help me dispute the inquiries because I was n't affected but I was!!!!!!!

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 2020-12-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Letters were sent to Equifax, XXXX, and XXXX  regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I first started making payments to this company I was under the impression that payments were due by midnight of the due date in my time zone as it is with my other cards. Not so and I got hit with a couple of late payment fees. It is midnight in their time zone XXXX XXXX  ), not mine. ( XXXX ) So I need to make the payment by XXXX PM my time, fine. So I make my last payment at about XXXX PM on-line and get hit with a late fee. Now it turns out that only works if you do it over the phone, which I would have gladly done, but I thought on-line was more expedient. If you pay on-line the payment has to be made by XXXX PM XXXX time. Now I have spent quite a bit of time over the phone with different reps and not XXXX of them ever mentioned the different times, just that it needed to be done by XXXX PM, which I did. They would not reverse the fee. I have canceled the card as I am tired of these games they play to get more money out of you. BTW in XXXX late fees are not allowed, interest yes which is fine, but why do they get a double whammy here. However I would still like the late fee refunded as a matter of principal, sincerely XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Riverwalk Financial Corporation
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, I saw something on my credit report called " Deville Asset Management. '' Upon calling, I was threatened that if I did not pay this debt off, interest would keep occurring. This is an abusive lie and tactic used to pressure people into making payments. The employee also said " there is a red flag on your account. Let me give you the number to contact. XXXX. '' I've never received any letters from this place or heard of them until today. I do not know if the debt is even valid but here I am getting threatened with interest and red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On X/XX/17 at XXXX I called Santander Banks mortgage service number at XXXX. I was trying to find out how to begin making bi weekly mortgage payments. The back of my statement states " Any additional funds will be applied to the principal if the loan is current ''. I did not want my payment of XXXX to be applied to principal. Instead I wanted it to be posted as a regular payment and then the other half in the amount of XXXX to be paid on XXXX would make up my full XXXX payment. <P/>I was told that Santander Bank does not accept bi weekly payments. I find it unacceptable that I can not pay the money I owe in a way that reduces the principal of my loan more quickly and will therefore reduce the amount of interest I have to pay and reduce the term of my loan. <P/>Bi Weekly payments seem like a common and pretty basic thing that should be available.

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 2022-04-07
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXXXXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$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 2017-12-26
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX CALLS DAILY TRYING TO COLLECT ON A LOAN I DID NOT AGREE. RISE HAD ALL MY CURRENT INFORMATION FOR A PREVIOUS LOAN THAT I HAD AND PAID OFF WITH THEM. I HAVE ASK THE COMPANY TO SHOW ME WHERE I AGREED WITH SIGNTURE TO THE NEW LOAN TERMS. THEY HAVE SENT ME ONLINE CONTRACT DOCUMENTS. I NO LONGER HAVE THE ACCOUNT THEY CLAIM THEY SENT THE MONEY TO. I AM UNSURE HOW I WOULD EVEN BE ABLE TO RECIEVE THE FUNDS. THEY HAVE TWO DIFFERENT ACCOUNT NUMBERS REPORTING ON MY CREDIT FOR THE SAME AMOUNT BUT DIFFERENT REASONS. ACCT # XXXX SHOWS A HIGH BALANCE OF {$2000.00} AND A PAYMENT STATUS AS LATE. ACCT # XXXX SHOWS A PAYEMNT STATUS AS LATE AND CHARGED OFF AS BAD DEBT WITH A BALANCE OF {$2000.00}. AS ANYONE IT IS AGAINST THE LAW TO HAVE TWO ACCOUNTS REPORTING TO THE CREDIT AGENGIES FOR ONE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$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 2021-06-11
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:
XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2017-12-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX WAKEFIELD & ASSOCIATES posted on my credit report a late payment and collections account. Never recieived a phone call or letter from them for XX/XX/XXXX until XX/XX/XXXX when they reported to credit bureau. On XX/XX/XXXX I faxed a letter to verify the debt with them. On XX/XX/XXXX called and verified they had received my fax and it would be a week or 2 before they would be sending out verification. They stated they are having issues getting information to verify my debt with the original party. Contacted XXXX XXXX XXXX/XXXX the original party and they have no account for me by name or ssn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: AES/PHEAA
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2020, in the Federal Bankruptcy Court of the state of Minnesota, XXXX XXXX XXXX XXXX officially ruled any and all debt theough AES to be disallowed. AES and any other Lenders, or Debt collectors that are connected to AES were informed by Attorney XXXX XXXX to file paperwork proving that said debt was in fact owned by the lenders that AES was servicing. AES was given 90 days to provide documentation as well as show up and appeal. They did neither. Because of their actions 5 orders of disallowing further claim of debt were filed and signed. AES claims that private students loans can not be discharged solely through Bankruptcy, but have to go through adversary proceedings and be proven to cause extreme financial hardship. In this case proceedings wefe had amd evidence was shown. These debts are no longer valid according to the Federal Bankruptcy Court. AES has refused to communicate with attorneys and provide any documentation that would prove otherwise. My name was signed fraudulently to these loans and AES refuses to assist in filling any sort of fraud documentation. They say they need a police report, but the police will not file a case against an entity that no longer exists. They can investigate a company that no longer exists. AES is allowing for these fraudulently accounts to remain open and active, and refuses to close them, even though the original lender closed their doors XXXX XXXX AES was attempting to collect the debt then as well stating that the company was still open and until XXXX contacted them, they would continue to collect money, even though they were never paying XXXX. AES only changed the lender in XX/XX/2020 from XXXX to XXXX. I am not responsible for any of this debt and I want it removed from my name.

Company response to consumer: Closed with non-monetary relief