BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: BANCO POPULAR DE PUERTO RICO
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX  passed away on XX/XX/2022. On XX/XX/2022, I contacted Popular Direct Bank of XXXX XXXX, XXXX and was given a list of the items that they would need to close my mother 's XXXX Certificates of Deposit. That was provided via registered mail, notarized, as requested. On XX/XX/2022, I called and was told that everything was there that they needed and that checks would be issued and I should receive them in XXXX days. I called again on XX/XX/2022, and was told that the accounts had become " dormant '' ( even though I had been in contact with them about the accounts ) and so the checks had not been issued. The representative told me that she removed the " dormant '' status and that the accounts could now be closed and checks would be issued and received within XXXX days. That evening I received a call from the bank stating that they required more information, including my and my brother 's social security number in another notarized letter that also indicated what we wanted done with the accounts. That letter was sent XX/XX/2022 and received by the bank on XX/XX/2022. I contacted the bank on XX/XX/2022 and was told they had not received or processed the letter and could do nothing with the accounts. Contacted bank on XX/XX/2022 and was told that the problem with them not receiving the documents was that they had been forwarded to XXXX XXXX. They now can offer no time frame when the accounts can be closed. I have offered to resend the paperwork, but was told that it would still be forwarded to XXXX XXXX and that there is no way to expedite the 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 2022-12-02
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transworld System Inc : I believe it was for an account with XXXX XXXX XXXX, there is a charge for {$1000.00}. Charge was disputed as fraud on 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 2022-06-08
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
XXXX provided misleading information and did not provide any consumer alerts for forbearance to be managed correctly. 

The told me over a call forbearance would be for 6 months. 
Then i get a 60 day late XXXX & XXXX Previously I had done the 6 months and all of a sudden it was 3 months. 
No email. 
No calls from account manager or bank. 
No clear communication giving me an opportunity to manage my account. 
Mortgage statements did not come or they were also misleading showing all LATE so wether i was in good standing or not showered late so I couldn't tell when I really was I have been frighting with mortgage company about the unfairness, i have disputed with credit bureau but my credit was still affected. 

Now, I see there is a lawsuit that has been settled for the same reason I am claiming. 
- misleading information - violation of the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal Act

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 & Joe Biden XXXX Loan pause Extension TRANSUNION has violated my rights. 

reporting incorrect Accounts status as Accounts with Adverse Information I have a XXXX loan pause extension from president Joe Biden for Account XXXX XXXX XXXX XXXX XXXX Also, 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 an account without my written instructions

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$50000.00} ; XXXX  XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Shellpoint Partners, LLC
State: WA
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:
Dear Sir/Madam, My mortgage was forbearance for XXXX due to COVID. I was come out of this forbearance with modification for reduced interest and paid three-month trial payments. After I signed documents for modification agreements for and last three months ( XXXX, XXXX, and XX/XX/XXXX ) I am paying my mortgage payment first of each month on time. Never any late payment after this modification. 

But Shellpoint Mortgage services reported to the credits bureau, my payment was Delinquency for more than 90 days and my credit score went down XXXX points. 
This is not actable, and Federal Government gives consumer rights, and mortgage companies shouldn't report to credit bureaus about this forbearance/miss payments. Please check this unacceptable problem with Shellpoint. 

My name is XXXX XXXX, and my account # XXXX If you have any questions, please don't hesitate to contact me at XXXX or email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: VA
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 contacted Equifax Information Services LLC in regards to identity theft I am experiencing and they have failed to follow the law. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, this company is in clear violation of the law and needs to be held accountable. They sent a letter stating I failed to verify my identity but I will include the extensive documentation that I also provided to them that I sent in a packet via USPS certified mail tracking number XXXX. My identity theft affidavit was also notarized at the local sheriffs office. Please see attachments! I will also be contacting the XXXX XXXX XXXX and my states Attorney General in regards to this violation of the law that this company have commited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/22, I asked that TN child support provide me a certified copy of their final forensic audit and complete audit trail of my child support account. I needed verification of the audit debt entry in accordance with XXXX, and also proving compliance with XXXX Matching Principles, and in accordance with XXXX, and in accordance with XXXX XXXX, and in accordance with Accord and XXXX Conventions. I requested that they show me the full double-entry bookkeeping accounting ledger, but that was not done. I advised Experian of this matter on XX/XX/22. Because TN child support could not provide the information, Experian MUST remove TN child support from my credit report. Thanks.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX Account # XXXX, has violated my rights.

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 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 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the Experian and XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-28
Company: FISERV INC.
State: CA
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:
I had Telecheck decline to approve a check. They do NOT answer the phone and every self-service option I try on the website goes nowhere. There is NO way for me to find out why they would not approve my checks. My credit and banking history have been perfect for many years. This is absolutely UNACCEPTABLE!

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 2022-09-22
Company: EQUIFAX, INC.
State: VA
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:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated everything was accurate. Upon conducting my own research myself I found multiple inaccuracies on my report after they said they had verified everything. In particular, Equifax is reporting a collection account with XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. Upon reaching out to the original creditor it was stated that the company did not manage the property and in that case does not have the right to demand funds for said property. I have never done business with XXXX XXXX XXXX XXXX. I've disputed this account as they have violated my rights in accordance to the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. In addition, I have various collection accounts that Equifax in particular are reporting that are not being reported with the other bureaus and per their policy it is stated that they use a joint notification system that operates worldwide in accordance with the other XXXX XXXX The collections on Equifax are not being reported on the other CRAs and should be removed immediately. The collections being called for immediate removal are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 620 A. States I have the rights 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 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 2022-07-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was compromised! Wells fargo is treating me as if im the person in the wrong! Ive been banking with them for years. They had me open a new account told me my rent will still be paid which was a lie!!! This bank is a big joke and dont value their customers

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 2022-04-25
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX  Account XXXX Account # XXXX, Non authorized inquiries : XXXX, XXXX, ML XXXX XXXX XXXX XXXX XXXX, wrong address:XXXX  XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX LISTING WRONG EMPLOYER : XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 items 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took a online payday loan from XXXX XXXX XXXX on XX/XX/2017 in the amount of {$850.00} I paid this loan off in full. XXXX XXXX contacted me three days ago and advised me that National Credit Adjusters has added this to my credit file in the amount of {$1900.00}. I have every bank statement with every payment that was direct debt from my checking account. I paid {$360.00} XX/XX/2017 and XX/XX/2017 by direct debt. I paid {$360.00} on XX/XX/2017, XX/XX/2017 and XX/XX/2017 by in clearing check. I paid a total of {$1800.00} for this payday loan. I want this company to take this off of my credit file immediately. Please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. The dispute items do not belong to me. Please block/remove these items :XX/XX/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 2022-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
-On XX/XX/XXXX letter was received from Portfolio Recovery Assets denying my dispute. This dispute was due to identity theft back in XXXX. Portfolio Recovery Assets states they have completed their investigation regarding the debt and established it was valid. However, they only sent me statements from the original creditor which shows an incorrect address I have never been associated with as well as around the time my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: ONLINE Information Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In a letter dated XX/XX/XXXX, Online Information Services, a collection agency based in XXXX North Carolina, on behalf of XXXX XXXX XXXX XXXX XXXXXXXX, claimed that as of XX/XX/XXXX, someone with a similar spelling of my name owed {$330.00}. Because I had no familiarity with XXXX XXXX XXXX XXXX XXXX or knowledge of outstanding medical debt, I disputed the debt through the collection agency. I received a response on XX/XX/XXXX and shortly after, was provided via USPS, a collection agency report. The report, again, names a person with a different spelling of my first name, my last name, unknown XXXX XXXX, CA address, and a DOB that is not mine, along with general information about the provider and date of service ( XX/XX/XXXX ). I called the collection agency and spoke to two different people regarding the incorrect information. They assured me that if none of the identifying information pertained to me, then I had no reason to worry about it, especially if it has not appeared on my credit report. Less than a week after my phone call to the collection agency, the collection appeared on my credit report. I'm trying to understand how a collection agency can lodge this false collection/debt on my report when 1 ) It is not my debt ; 2 ) they do not have the correct spelling of my name ; 3 ) they do not have my correct DOB ; 4 ) I have never lived or received medical treatment in Long Beach and do not have record having received services from the named provider. I disputed the debt with the credit agency ( XXXX ) and they said they would look into it. Today, the dispute was supposedly settled and it is in the collection agency 's favor ( i.e., the collection debt will not be removed ). I am submitting this complaint because I'm reiterating that this is not my debt and both parties ( collection agency and credit agency ) need to do their due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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