BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: BANCO POPULAR DE PUERTO RICO
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I tried calling the customer service numbers provided in my Mortgage statement to make a payment before the late fee was assessed on XX/XX/XXXX. The customer service number was unreachable and kept making the sound as if the line was occupied. I tried making a call to the second number provided in their statement and it is for another business line ( their auto lending department ) of which I was told they could not process Mortgage payments. ( Why have it in the Mortgage statement as a number to make payments if they will not accept them there? ) I again tried making a call to pay on XXXX to which I received an automated message that their offices were closed due to XXXX Saturday. Again tried the other numbers provided and received the same answer related to being a different line of business and they could not accept Mortgage payments. 

This whole process repeated itself again on Monday XX/XX/XXXX their customer service line was out of commission and again was rejected to accept the payment in the other phone number reason being they are not the mortgage department. 

I was finally able to process the payment on XX/XX/XXXX by calling their general customer service line, agreeing to a contract for XXXX which is their automated payment process, registering my account which was done by one of their agents and the processing my payment by giving them my checking account number, routing number from my bank and all my other personal information. At which time the late fee was already assessed on my account to which I requested an inquiry process to remove the late fee. However again the customer service number for Mortgage was inaccessible and the agents over the phone told me this was due to a breakdown in that line and that they were aware of the problem and were working to resolve it. However they did not mentioned the remediation that the affected customers would receive for not being able to call in to make their payments on time. To which I am requesting that they remove the late fees for the month of XXXX from my Mortgage Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CITIBANK, N.A.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have inquiries on my transUnion, XXXX, and XXXX credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently had a hard inquiry on my credit card without my consent at a dealership on XX/XX/XXXX. Not really a big issue, but I had tried to file a dispute for it and I think I ended up doing the wrong type of dispute. XXXX XXXXXXXX and Experian told me that I filed a dispute for identity fraud, so they deactivated my account today ( XX/XX/XXXX ). I did NOT want my account to get deactivated. So now Im trying to get my account back but they wont let me. I do not want to start a new credit card. Please help me get my account 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 non-monetary relief
Consumer complaint received 2022-10-16
Company: Block, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by someone who has me cashapp them XXXX $ in a scam. I sent screenshots as proof as this scammer was trying XXXX different cashapp accounts for me to transfer to. This when I reported that I had fallen for a scam cashapp refused to refund my money lost stating that the refund was denied. This was unacceptable and unauthorized as had I been aware this person was a scammer I would have never have sent over any money. Despite having the screenshots proving so I was still denied my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please read letter sent via email on XXXX XXXX XXXX  and on XX/XX/2023 Via certified mail # XXXX - Logged by USPS as Delivered to front desk reception on XX/XX/2023 at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : XXXX ; XXXX XX/XX/2023 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX XXXX, This letter is a formal complaint that you are reporting inaccurate credit information to credit reporting agencies. According to the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), you are required by federal law to provide accurate information to the credit reporting agencies. 

I have informed you for months on multiple phone calls and in direct interactions with branch staff that the information you are providing the Credit Reporting Agencies is inaccurate. This letter is my final attempt to bring this harmful reporting of inaccurate information to your attention and to give you a final opportunity to correct the matter. 

Your failure to positively and accurately report this account has hurt my ability to obtain credit and has caused my family and me both financial harm and extreme emotional distress. 

I demand that all erroneous reporting be corrected dating back to the breach of XXXX verbal agreement with me concerning my approval for 6 months of COVID-19 forbearance on my Auto Loan account # XXXX. 

Should this harmful behavior continue, I will be forced to contact the relevant agencies to ensure that the appropriate action and sanctions for your violations of law are applied as it is of the upmost importance that no other members of the public have to suffer the emotional and financial harm that I have endured over the last year and a half as a result of XXXX  willful disregard and violations of consumer protection laws. You have 14 days from the date of this letter to cure. 


Sincerely, /s/ 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX as violated my rights..After removing these items from my credit reports and phone calls after phone calls it is starting to take a toll on me and my family to be very stressfulXXXX XXXX AS POSTED THESE NEGATIVE ON ALL THREE CREDIT REPORTS TRANSUNION, XXXX AND XXXX 
15 U.S.C 1681 Section A-States I have right to privacy.

15 U.S.C 1681 Section 2-States It also states a consumer reporting agency can not furnish a account without my written instruction... 
XXXX XXXX amount are XXXX and {$1000.00} sorry i don't have accounts number... 
XXXX XXXX XXXX amount are XXXX AND {$1000.00} XXXX Group amount XXXX XXXX and {$1000.00} With all these going back XXXX forth with XXXX XXXX remove then put it back on my reports is affecting my personal life to very stressfull and not answering my phone to unknown number. Please for the help to have them remove these items from all 3 credit report and Thank you for your time and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Basically Im try fix my credit and Im seeing there accounts and things in my name that I know Ive never had myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: GOLDMAN SACHS BANK USA
State: NY
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 applied for a loan that I got at once with them On XX/XX/21 ... after a month on XX/XX/21 I did paid my first agreement.. hours after I received a credit alert from 2 credit report companys Checking my credit report account I found that Goldman Sachs pull out 3 times my credit report without any reason and made look that I tried to open diferentes accounts on those dates XX/XX/21. XX/XX/21 XX/XX/21 Ending decrease my credit XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported my debit card stolen after my son lost my card at XXXX XXXX in XXXX Fl. A transaction was made for XXXX at an atm in the XXXX XXXX  by someone unknown.

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 2022-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1XXXX XXXX XXXXXXXX # XXXX 2.XXXX XXXX # XXXX 3.XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed fraudulent/unauthorized inquires on my transunion and XXXX report from XXXX XXXX on XX/XX/XXXX  it needs to be deleted

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 2021-04-06
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:
So I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. When I call again they told me i need to get a FTC report. This is affecting me from getting my place for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by myself. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
transunion and XXXX XXXX XXXX XXXXXXXX XXXX is committing interstate fraud, illegal activity, and violation of federal law, maryland, texas and district of Columbia law. they are destroying a XXXX veterans health and causing him to be XXXX, and are legally liable for their actions. they are ILLEGALLY and fraudulently re-inserting a false, fraudulent collection that is false and fraud that I do not owe and have never owed on my credit report AND IS not MY ACCOUNT AND I DO NOT OWE!! this is a re-insertion. see previous deletion attached. this is a fraudulant illegal collection account RE-INSERTION that I DO NOT OWE And AM NOT REPSONSIBLE FOR!! XXXX XXXX XXXX AND TRANSUNION ARE VIOLATING FEDERAL AND STATE LAW AND HAVE BEEN REPORTED TO THE ATTORNEY GENERALS OF DC, TEXAS, AND ILLINOIS, AND CALIFORNIA, WHERE TRANSUNION HEADQUARTERS ARE LOCATED. I HAVE ALSO FILED MULTIPLE XXXX COMPLAINTS AGAINST THESE COMPANIES, AND HAVE THE STATES ATTORNEY GENERALS INVESTIGATING YOU FOR FRAUD!! I DO NOT OWE THIS COMPANY AND THIS IS FRAUDULANT AND ILLEGAL. REMOVE THIS COLLECTION FROM MY CREDIT REPORT IMMEDIATELY TRANSUNION OR I WILL SUE YOU FOR FRAUD, PAIN, SUFFERING, EMOTIONAL DISTRESS, XXXX, AND MY MEDICAL BILLS. YOU ARE PREVENTING A XXXX VETERAN FROM BEING HOUSED AND FOR THAT YOU SHOULD BE SUED AND YOUR XXXX XXXX, FCRA LAW VIOLATING, CORPORATE LEADERSHIP THROWN IN JAIL!! YOU ARE DESTROYING A VETERANS LIFE YOU XXXX XXXX XXXX XXXX!!! REMOVE THIS ITEM FROM MY CREDIT REPORT IMMEDIATELY!! IT IS FRAUD, NOT VALID, ILLEGAL, FALSE REPORTING AND A RE-INSERTION OF A FRAUDULANT ILLEGAL ACCOUNT!! TRANSUNION IS VIOLATING THE LAW AND DID NOT PROVED THIS FRAUDULANT ILLEGAL ACCOUNT BEFORE RE-INSERTION TODAY. TRANSUNION DID NOT SEND ME A RE-INSERTION LETTER FOR THIS FALSE, FRAUDULANT ACCOUNT THAT I DO NOT OWE!! XXXX BOTH OF YOUR COMPANIES, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NY
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 sent an Affidavit of truth to XXXX, EQUIFAX AND XXXX STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXXXXXX XXXX, my account with Goldman Sachs ending in XXXX was closed. A dispute was opened on XXXX XXXX XXXX but the dispute was reversed after the account was closed. I have received an egregious number of emails stating that I still owed. 
However, per the conversation with Customer Service Rep Apple Card account on XX/XX/2023 payment made for XXXX from XXXX XXXX XXXX XXXX Transaction number is being sent via email as per XXXX EmpID # employee didnt confirm nor supply her employment number. Stated the account was paid in full and was closed. Service Rep fail to confirm if any other disputes charges or transactions occurred. On XX/XX/2023, after the account was closed. Notification was received stating a total of XXXX was due. I'm requesting to have investigation launched to find out why the account is being collected on and they are lowering my credit score. I am being targeted as in spite of retaliation because I no further want to conduct business with this bank. I have told them on several occasions not to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In accordance with fair credit reportind act ... The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under.15 U SC 1681 XXXX XXXX # XXXX, has violated my right..15.U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.c 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction Thus this i highly injurious... ..Delete these account immediately unless you wany to be held 1,000 per volation ... ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also my spending is not XXXX the balance of my XXXX is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: WY
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 requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove the negative information you reported in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation