BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: BANCO POPULAR DE PUERTO RICO
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a saving account at Popular Direct to earn high interest. They closed my account after external transfer was complete from my XXXX  XXXX XXXX account, they told me account is closed for unspecified security reasons but did not provide me specific details. 
I called many times and sent emails and they said they do not have access to the reason for closing. I have over 800 credit score. They finally send me email that we closed the account due to information on the XXXX report. I reviewed my XXXX report and all i see they bank inquires for non credit account verification but no reason for a bank to close my account. 
They are doing this to many customers so that they get short term funding for free and they close the accounts prior to an account is eligible to earn interest. Please see reviews at XXXX XXXX XXXX  I had two account one with {$100.00} trial opening balance and other with XXXX. One opened in last XX/XX/2023 and other this week. In my Popular Account i see that they have refunded {$100.00} back to my XXXX XXXX XXXX account but in my XXXX  XXXX XXXX account I do not see money coming in. XXXX has taken XXXX from my XXXX  XXXX XXXX account despite they will close 2nd XXXX account. 


Bank website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2023-11-16
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company did not do what they said that they would do. They have stated that they would honor my request to cease all communications and yet I had found that they are still attempting to communicate with me which completely violates the fair debt collection practices act. Under chapter 41 of title 15, the fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium that this company is using to communicate with me and I had thought that this company " Obeyed '' federal and state laws and yet they had over looked the first XXXX subchapters? I have reason to believe that this company is purposely doing this for financial gain. It is clear that they do not care about a consumer 's right to privacy so I do intend to litigate if this matter does not get solved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
PORTFOLIO RECOVERY has continued to harass me for weeks even after I have told them to stop contacting me. In accordance with 15 U.S. Code 1692c - Communication in connection with debt collection they are not supposed to contact me without my prior consent which I have not given them, they are currently in violation of this statute. They also continue to contact me at unusual time and places such as this week when I was attending a funeral. This is also still violating 15 usc 1692c. When they call me they instantly tell me that I owe them a debt which is not paid for, and communicated with me more than once after i requested that they not contact me anymore. This is a violation of 15 U.S. Code 1692b ( 2 ) which states that a debt collector may not state that such consumer owes any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/22 XX/XX/22 XX/XX/22 Ive submitted letter with cerified mail to Transunion, XXXX, XXXX regarding credit inquiries and remove old address. This credit bureaus simply ignored my request. I check my credit report every month still the same and i keep sending the Certified mail letter to XXXX credit bureaus and none of them respond nor return that they receive my mail. As Im frustrated and i need to file complaint with this XXXX credit bureaus.

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 2023-10-18
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: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report. 

The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).

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 2021-07-21
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 I received notice that my property tax was past due and I was assessed a penalty fee of {$250.00}. I have an escrow account so I notified my mortgage company Union Bank, right away and the balance was paid. However, they pulled the penalty out of my escrow funds which I believe is not legal. I have called at least 6 times to resolve the matter, which would be them refunding the late fee to my escrow, and I have received no resolution. I have received no written notice that it has been resolved and each person I talk to on the phone assures me they will " take care of it. '' As of XXXX, XXXX it has not been resolved.

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 2023-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: NV
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 am not sure what happened to cause XXXX XXXX XXXX XXXX to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies Equifax, XXXX, and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX XXXX ( XXXX ). I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: OneMain Finance Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested debt validation from one main financial on an alleged debt on my credit report which includes a contract bearing signature on XX/XX/21. They sent me a letter response attached by not debt validation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: OH
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Certegy Holdings, LLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Certegy operates as an FCRA restricted enterprise that controls access to check cashing services. I attempted to cash my payroll check at my local XXXX. ( I have direct deposit but my hours were not submitted by my supervisor and so the corporation had to cut me a paper check and overnight it to me. I was given a printout with information to follow up with Certegy. Their reason for the denial : " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines which may vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it. '' In other words, we're not going to let you cash your check because we said so. There is not immediate access to obtain this cryptic information. I have only had one odd check cashing experience. My doctor 's office resubmitted my office visit account information because I have secondary health insurance. The office sent me 15 separate checks in mostly {$40.00} and some {$20.00} denominations. There were approximately 15 checks. I attempted to use my phone apps to deposit in my XXXX and XXXX card accounts. Both refused the checks I received from my doctor 's office. Ever since, I've had trouble with cashing checks. 
My complaint is the cryptic nature of the denial information available from Certegy. They hide under the guise of FCRA but don't operate with any transparency and have no means of appealing their determination.

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 2021-05-08
Company: JPMORGAN CHASE & CO.
State: NV
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 am not sure what happened to cause JP Morgan Chase Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked JPMCB to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies XXXX XXXX, and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with JP Morgan Chase Bank ( JPMCB ). I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I. Filed initial FTC Report XX/XX/21. Requested directly disputed id theft info deleted and/or blocked. 
II. CRA XXXX refuses to abide by the intent and meaning of the statute and is perpetuating hardship with continued new reportings of past due amounts provided by XXXX XXXX. This is re-aging and against the standards as defined. 
III. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

IV. Please investigate & escalate non-compliance.

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 2020-07-26
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
ATTENTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX Quicken Loans Loan Number XXXX Please answer question concerning the COVID 19 Americans Cares Act passed by congress XX/XX/2020 concerning help with mortgage payments provided by federal government. 

Quicken Loans, states as a Direct Lender, NO MONEY will be disbursed from federal government to mortgage company. 

Avoiding Foreclosure the following options. 
1 ) Reinstatement 2 ) Refinance 3 ) Forbearance 4 ) Repayment Plan 5 ) Modification My understanding Quicken Loans finance Mortgage Loans through XXXX XXXX ( banking institution ) that qualifies for federal government PPI Insurance. 

Mortgage Insurance ( PMI/MP ) monthly payment {$15.00}. Please explain what coverage entails in these charges. 

Quicken Loans XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Thank you for helping quickly gather necessary information, what options exist for families with Mortgage Payments avoiding Foreclosure during COVID 19 Pandemic as the country preceded. 


Sent from my XXXX ATTENTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX Quicken Loans Loan Number XXXX Please answer question concerning the COVID 19 Americans Cares Act passed by congress XX/XX/2020 concerning help with mortgage payments provided by federal government. 

Quicken Loans, states as a Direct Lender, NO MONEY will be disbursed from federal government to mortgage company. 

Avoiding Foreclosure the following options. 
1 ) Reinstatement 2 ) Refinance 3 ) Forbearance 4 ) Repayment Plan 5 ) Modification My understanding Quicken Loans finance Mortgage Loans through XXXX XXXX ( banking institution ) that qualifies for federal government PPI Insurance.

Mortgage Insurance ( PMI/MP ) monthly payment {$15.00}. Please explain what coverage entails in these charges. 

Quicken Loans XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Thank you for helping quickly gather necessary information, what options exist for families with Mortgage Payments avoiding Foreclosure during COVID 19 Pandemic as the country preceded. 


Sent from my XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In XX/XX/2023, I received a letter in the mail from Barclay 's ( dated XX/XX/2023 ) thanking me for my recent application for the Navyist Rewards Credit Card. They further determined that additional information was needed to process my application and requested that I send a copy of my DL, SS card and utility bill and bank statement. I did not send this information as I did not try to apply for the Navyist Rewards Credit Card. This was fraudulent activity. 

On XX/XX/2023, I was working with a recovery specialist and we called Barclay 's together. Barclay 's stated that someone tried to open this account using my information and that this was a credit card for Old Navy. They stated they would send the fraudulent activity notice to XXXX to have it removed from my credit report. It is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''. 

On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. Barclay 's again stated that they would send the fraudulent activity notice to XXXX to have it removed from my credit report. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. I never received the letter and it is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''. 

On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. After many transfers to different departments, phone numbers and people who could not find the application, it was finally found. We had been on the phone for over an hour at this point. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. As I did not receive a letter after my phone call in XXXX, I am not confident that I will receive a letter this time, therefore I am reporting this to the CFPB.

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