vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sokaogon Finance, Inc.
State: FL

Complaint narrative:
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section XXXX Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX Florida XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
The debt reported on my credit score is a result of fraudulent activity. The debt shown is fraud and I would like it removed off my credit ASAP, or me and my XXXX will have to use legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This account for Santander is incorrect and does not belong on my credit report I have disputed this for years and it keeps appearing on my credit i do not have anything to do with this and for it to increase in the amount and to act as if its still open currently and report like that is fraud. This has ruined my life and how i take care of my children. It has made it nearly impossible to get a vehicle for me and my family and it a shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account for XXXX is incorrect and does not belong on my credit report I have disputed this for years and it keeps appearing on my credit i do not have anything to do with this and for it to increase in the amount and to act as if its still open currently and report like that is fraud. This has ruined my life and how i take care of my children. It has made it nearly impossible to get a vehicle for me and my family and it a shame.

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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
I have an auto loan from PORSCHE FINL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PORSCHE FINL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PORSCHE FINL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC
State: FL

Complaint narrative:
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the XXXX XXXX XXXX XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of XXXX XXXX XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequoia Financial Services
State: CA

Complaint narrative:
not mine ive tried to remove and i do not have an account with them and it keeps adding to the amount and never removes i have disputed this multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to Rent collection and XXXX, XXXX, EQUIFAX AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After submitting a complaint through the CFPB initially, Transunion received and initiated a dispute. Transunion verified the inaccurate information as accurate. By doing so they have violated the FRCA section 623 refusing to correct or delete inaccurate information my report. More specifically, I reference the fact that Transunion falsely verified as accurate : 1. The date closed is inaccurate. How can the account be closed in on XX/XX/XXXX, but continue to report late payment the following months. 
2. Last payment made shows to be on XX/XX/XXXX but in my payment history shows my last payment to be on XX/XX/XXXX. 
XXXX. The account shows charged of only after a XXXX date late. According to the Metro 2 standard, a charge off is considered to be after a 120 day late. 
4. The Date Updated Field has never changed to reflect my Disputes, last on XX/XX/XXXX which make me believe that there was no investigation done after notifying Transunion of the this inaccurate account via the dispute process. 
This account is not reporting 100 % accurately and is a direct violation of the FRCA section 623 and the Metro 2 standard. Please review attached verified report sent to me by Transunion.

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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1. There is a wrong address on my credit file. The address is XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX. There are two collections from XXXX XXXX XXXX  that do not belong to me for the amount of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I recently looked at my report and was quite shocked to see a late payment reporting in XX/XX/2019. I am not sure how this occurred. I believe I made my payment to you when I get the bill. My only thought is that I never got a bill.

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 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: FL

Complaint narrative:
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and Florida Attorney General 's Office.

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX Florida State of Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2020, National Credit Adjusters add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA National Credit Adjusters has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
I have received an email from a settlement attorney on behalf of Ace Express which works with XXXX XXXX. They have stated that if I dont pay the settlement fee of {$450.00} in 20 hours they will file a case against me and I can also receive jail time, which I know is false because they can not criminally charge me of anything. I have looked at several complaints where people have received the same email that I did and I want this resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days 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 explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX and XXXX  reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days 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 explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD BANK A/C XXXX XXXX COMPLAINT ABOUT TD BANK ACCOUNT 1 ) I HAD RECOLLECTION OF FINDING A SHORT OF ABOUT {$2700.00} ON XX/XX/XXXX XXXX ) I HAD A RECOLLECTION OF ONE TIME HAVING ABOUT {$1500.00} IN XX/XX/XXXX I AM TOLD I HAVE ONLY {$300.00} SO I HAD TO TRANSFER SOME MONEY TO TO CHECKING 3 ) I HAD A CASHERS CHECK RETURN TO MY ACCOUNT AMOUNTING TO {$15000.00} SO WHEN I CHECKED THE BALANCE I HAVE TOTAL BALANCE SAVING AND CHECKING I FOUND OUT SHORT ABOUT {$4000.00} XX/XX/XXXX 4 ) SOME DAY BACK I WAS PUZZLED TOP SEE A SHORT OF {$900.00} 5 ) THE BANK IS NOT WILLING TO SEND ME A ONE YEAR BANK STATEMENT, TO YOUR SURPRISE I GOT A STATEMENT FOR THREE MONTH AND FOUND OUT THERE WAS A SHORTAGE OF ABOUT {$500.00} VERY RECENTLY, AROUND XXXX XX/XX/XXXX TO XX/XX/XXXX XXXX THIS PROVES THE BOOK HAS BEEN COMPROMISED FOR A WHILE AND SOME OF IMPORTANT INFO i HAVE SAVED ON MY DRIVE WAS HACKED AND HAS BEEN COMPROMISED. 
PLEASE CAREFULLY REVIEW MY ACCOUNTS WITH TD BANK, WHICH SHOWS OVER {$11000.00} AND XXXX XXXX SHOWS SHORT OF {$23000.00} IF CAREFULLY RESEARCHED VIA BANK EXPERT STAFF AND TOOLS I BELIEVE THE BALANCE I STOLEN IS WAY MORE THAN STATED HERE SO I KINDLY REQUEST THE COMMISSION TO GET THE BANK TO REFUND BACK MY BALANCE AS SOON AS POSSIBLE AND ALSO REFER TO CIVIL SUIT LAW FIRMS AND LEGAL AID WHO MAY CHALLENGE THOSE BANKS TO REFUND ME THE MONEY FRAUD FROM MY CHECKING AND SAVING ACCOUNT. 
THANKS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NH

Complaint narrative:
I sent {$500.00} to a third party which cashapp facilitated. It turned out to be fraudulent, and when I asked cashapp to reverse the charge they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: CO

Complaint narrative:
This is in reference to swbc loan # XXXX. 
I was approved for a 6 month forbearance plan under the CARES act XX/XX/20. At that time I was also insured that this was not to have any record whatsoever on my credit report under the condition that I resume paying my mortgage when the forbearance plan ended as per conversations with executive resolution specialist XXXX XXXX with our last contact XX/XX/20. I have been making timely payments since the plan ended yet discovered that swbc placed record of this on my credit reports which has negatively impacted my personal credit rating. If I was not promised that this would not be the case I would not have enrolled in the forbearance plan since I work hard to maintain impeccable credit and do not appreciate the frivolous this company has done this despite stating they would do otherwise.

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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
my boyfriend went through credit acceptance ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my credit

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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am writing today in regards to my account with Santander Bank NA Account # XXXX the reason for writing is because a late payment is being reported in XX/XX/2020. I am sure you are aware of the pandemic which has hit and has impacted me in that month. I got this account current once I was able to. 
I also addressed this issue previously and thought they had resolved this matter which they have not.

Company response to consumer: Closed with explanation