BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a claim on banco popular. First I opened the claim as fraudulent because there was involved a car finance thats not mine on bppr the dealer and the bank finance a different car that i dont have. The bank deny my claim and do not investigate with the merchant. They dont have evidence that make an investigation. No documents. The bank deny my claim and I opened another claim that the finance and the car was canceled and they dont make an investigation or procedure. They just close my bank account and I dont have any evidence showing that the bank make the procedure required by law.

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 2020-02-17
Company: LEXISNEXIS
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:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to TD Bank to withdrawal a large sum of money. I brought with me all the pertinent documents for which was used to open said account. I was unable to withdrawal funds due to an expired driver 's license. My concern is that the bank was able to take my large amount of money in XX/XX/XXXX.My expired license was not an issue. When going to the Department of Motor Vehicle, I was told my license had expired XX/XX/XXXX. This means my bank account with TD Bank was opened without a valid license. My concern is without having a valid driver 's license upon opening, would this make my account invalid? 

It is very difficult for me to get to the bank because of my XXXX. I am moving to Maryland from Florida to be closer to family. I have a lot of expenses coming up in order to make this move happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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: Account information incorrect

Complaint:
Well, the first problem is that the affiliation that reported a missed payment ( XXXX XXXX XXXX ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to XXXX XXXX XXXX. But for some reason its shows on my credit report as from XXXX XXXX XXXX. 
The second issue is that they reported me to the credit bureaus as being late in XX/XX/XXXX FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to XXXX XXXX XXXX, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.

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 2020-02-17
Company: Jim Bottin Enterprises, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a member of XXXX XXXX gym and went to the gym on XX/XX/2019, to cancel my membership. They completed a Cancellation form on that date with effective cancellation date of XX/XX/2019. I was billed on my XXXX credit card on XX/XX/XXXX, and XX/XX/2019, for {$19.00} each month. I contacted ABC Financial Services whose name appeared on my credit card statement. They asked for my identification and location of the club and the basis for my dispute of the charges. They put me on hold and then hung up. I then contacted XXXX and provided a copy of the cancellation agreement. XXXX gave me credit for both of the charges. I receive calls at least weekly from ABC Financial Services, which I have found out is a third party billing and collection company service for a large number of health clubs and gyms. I have not gotten them to stop calling. I called today to XXXX and talked with XXXX. She claimed I still owe {$38.00}. She stated that the cancellation form XXXX XXXX developed and signed was not valid and that I must send notice certified mail. As noted, I went in person and asked what do I need to do to cancel my membership and complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Premier Student Loan Center
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Premier Student Loans, a third party loan servicer, misled me and lured me into a fraudulent repayment scheme that has unfairly and unnecessarily cost me thousands of dollars.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been working on repairing my credit for about six months now. I have been consistently sending letters to Equifax during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Equifax is hindering my efforts. I am trying to better myself and get a better job but Equifax will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Equifax below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclaycard blocks us from enabling external account access. It causes me to not link XXXX, XXXX, XXXX, and other apps.

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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information has been compromised possibly due to a data breach and now I have several accounts reporting negative on my credit that I do not recognize. There are several in collections already and I need your help to get these fraudulent items off of my credit report. I have tried with the credit bureaus to no avail. Please help in this matter.

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 2021-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
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:
Portfolio Recovery Associates was contacted on XXXX XXXX dispute inaccurate information with them. They re-aged my account for a date XXXX XXXX stating thats when I opened the account which is illegal under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving an email alert from XXXX XXXX, on XX/XX/XXXX, I noticed a negative mark on my credit report, from XXXX, XXXX XXXX and XXXX, reported by Diversified Consultants, Inc. XXXX. XXXX XXXX XXXX, FL. XXXX ( XXXX ) XXXX. I immediately called them and spoke with XXXX XXXX, who did not provide me with an employee ID, and was told that my social security number was attached to the following address : XXXX XXXX XXXX XXXX, IL. XXXX. I told him that this address is not mine nor ever was my address which must be a fraudulent address. XXXX XXXX then told me to call XXXX XXXX Fraud department at ( XXXX ) XXXX, which I did and talked to a XXXX XXXX, who also did not provide me an employee ID and she filled out some form and said I would receive something in the mail which I would have to fill out and mail back. I then asked if this is an XXXX XXXX account, why is Diversified Consultants, Inc. reporting on my credit report. XXXX said that she had no idea but that the fraud department would handle it from here. XXXX XXXX had told me that this account was opened on XX/XX/XXXX, so why is Diversified Consultants, Inc. reporting a 10-year-old account that isnt even mine on my credit report? Ive also never received any letters or any other information about this account which has my name and social security number attached to it. So I am asking Diversified Consultants, Inc. to  verify this alleged debt as required by the Fair Debt Collection Practices Act or remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, there has been an error is processing my payment. I scheduled my payment for XX/XX/XXXX. My account with you is extremely important to me. I have always paid on time and have perfect credit history with all my creditors. Unfortunately, my last payment for the month of XXXX was not processed as it should have been. I made this payment before leaving on vacation for several weeks using the prefilled information for online payments as I have every month since XXXX. 

In XXXX, after returning from my vacation, I received a letter stating my payment had not been made. This letter was dated XX/XX/XXXX ( received well after XX/XX/XXXX in the mail ). I was not notified prior to the payment going over 30 days past due based on the processing error as the payment was due for XXXX. I promptly called Freedom mortgage on XX/XX/XXXX ( the day I got the letter ) at XXXX XXXX  eastern to inquire on the matter and to satisfy both the XXXX and XXXX ( just billed ) payment. During this phone call I was not provided with details with why my payment did not go through, but was told I would be called back by a supervisor. at XXXX XXXX  on XX/XX/XXXX, I called again, as I had not received the call back from a supervisor. I was then told it would be 48 hours before a supervisor would call me back. I was told it was my fault the payment did not go through and that " you should be monitoring your own account to make sure your payments go through. '' As of the date of my first letter to Freedom Mortgage on XX/XX/XXXX, I still had not received a call back from a supervisor. I believe this matter has been handled poorly. I have been a timely paying customer for several years and have no history of neglecting my bills. I have sent several letters to Freedom Mortgage in an attempt to resolve this matter, but with no proper investigation done. An error in their payment processing caused the past due payment. None of my account information had changed. There was nothing wrong with the payment information input on my end. Please see the attached payment confirmation screen shot as well as proof of the calls I made to Freedom Mortgage. I have also attached my bank statement showing the funds were available in my bank account at the time the transfer was to take place.

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 2017-11-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Always paid on time paid account in full but still saying I was late when I was n't

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 2017-12-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was XXXX for a XXXX XXXX that had a savings account which went inactive. I was not notified that it was 'dormant ' and that a fee of $ XXXX/mo was being deducted from the account. When I went to close the account, the balance was {$160.00} less than I expected due to dormant fee. 

The bank was under different ownership when I opened that account ( XXXX XXXX XXXX ). I do not recall this being explained when I open the account in 2002. The bank said it was my responsibility to check the balance even though to online statement nor mailed statement were being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Innovis
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:
XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: OH
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:
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are " Hard Inquiries '' or " Regular Inquiries '' listed on my credit reports that stay on there for 2 years. I have tried calling and/or filing a dispute regarding sd companies. I 've filed the complaint w/XXXX XXXX, XXXX, and Experian and nothing has been done to fix this problem. I 've also tried putting a freeze on my credit reports and noted that none of my information is to be given out without my expressed permission or my wife, XXXX XXXX XXXX ' permission. 

The following companies are listed on my credit reports which I have never initiated, never gave permission for them to review my credit in any manor and do n't know how they did this. My wife did not give permission either and this simply needs to be fixed as soon as possible. The problem continues regardless of what we do. 

The companies are as follows : XXXX XXXX XXXX via XXXX XXXX XXXX, date XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX, dated XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX dated XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX XXXX dated XX/XX/XXXX ; and XXXX XXXX XXXX  XXXX dated XX/XX/XXXX. 

Again, permission was not given to the companies listed above by me or my wife and I just do n't understand how they are getting our/my credit information w/out our expressed permission. 

I have tried calling the companies but am told I have to contact the credit reporting agency about this, the credit agencies in turn do nothing and have no way of filing a completed dispute form just for this issue. I 've called the reporting agencies and I 've filed in writing the problem w/these companies yet the problem continues. 

If you would please tell me what I need to do to get this information removed from my credit report as well as my wife 's and/or if you could please check into this so we can correct our credit reports w/out all the inquiries it would be appreciated. At this point, I/we simply do not know what to do but definitely want to file a complaint against the above listed credit companies as well as the companies looking into our credit w/out any permission from either myself or my wife. I ca n't imagine we are the only people w/this type of problem and a solution must be found to be able to correct any inquiry problems consumers find in their reports. 

Thank you for any and all help you can provide in this matter and I look forward to your response and/or advise in this matter. 

Sincerely, 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 2017-12-29
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2017 CitiBank ( CBNA ) reported hard inquiries to my credit report. I have never applied for credit at Citi. I have contacted the creditor and have had no success on removing inquiries

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 2020-02-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from 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 2019-06-19
Company: Santander Consumer USA Holdings 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:
I have put FRAUD ALERT ion my credit report several years ago. 

There are INQUIRIES offering me credit that I DID NOT AUTHORIZE. 

Someone is going in and out of my credit report without my permission. 

PLEASE HAVE COMPANIES REMOVE SUCH ITEMS FOR I DID NOT HAVE ANY KNOWLEDGE OF SUCH NOR DID I GIVE ANY COMPANY PERMISSION TO RUN ANY CREDIT IN MY NAME. 

Please REMOVE BOGUS INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: AZ
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:
XXXX, XXXX  & Equifax is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing  with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX XXXX {$19000.00} XXXX/XXXX  XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX  XXXX XXXX XXXX {$77000.00} XXXX/XXXX  XXXX {$140.00} DEPT OF EDUCATION/XXXX  XXXX {$32000.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX  XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX  XXXX XXXX {$8700.00} XXXX/XXXX  XXXX {$460.00}

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