BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: BANCO POPULAR DE PUERTO RICO
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Per XXXX XXXX Visa Card Terms and Conditions. 

... You authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. Mailed payments are credited on the same day received if they are received by XXXX XXXX. XXXX Monday through Friday ( excluding holidays ). Electronic and telephone payments are credited on the same day if they are received by XXXX XXXX. EST Monday through Friday ( excluding holidays ). We may apply a credit line availability hold condition to your Account in the amount of the payment until your check or other payment instrument has cleared. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed. The payment will be applied to your Account on the date we receive it in accordance with this section. We may take up to 5 business days to process any credit of other payments that do not meet these requirements, during which interest will not accrue. We may accept and process late, partial and payments marked as paid in full without losing our rights under this Agreement. 
If your payment is reversed due to insufficient funds or a returned check, we will apply a credit line availability hold condition to your Account and you may lose any special APR offers. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed for 7 calendar days after the payment is processed. The hold condition will be canceled after 6 billing cycles where no other payment reversal event takes place. 


I submitted my most recent payment on XX/XX/2018 at XXXX. After the XXXX deadline for the credit to be issued the same day which is fine. The Payment cleared my XXXX XXXX checking on XX/XX/18. Today is XX/XX/18 a full six days after the payment has cleared my account and I STILL HAVE A HOLD ON MY ACCOUNT. Banco Popular Called me yesterday to tell me that the hold conditions apply to my account without giving any explanation. Previous representatives have told me that for the next six billing cycles every payment I make will be on hold for 7 calendar days after the payment has processed. I have never had a payment reversed, therefore, that stipulation does not apply to me. I have complied with the terms and conditions and am not receiving fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that 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 2022-07-05
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:
Account : XXXX XXXX 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is consider a violation, and each violation is a {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-01-06
Company: EQUIFAX, INC.
State: FL
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/2022, to correct this suspicious information. I think you have not validated these items 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. 
XXXXXXXX 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 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: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY! 

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: NV
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 or around XX/XX/XXXX I sent a dispute letter notifying Experian of inaccuracies and violations in their reporting of an account on my credit report. I requested deletion due to grossly inaccurate reporting of the Date Of Last Activity, spanning across 4 years from XXXX to XXXX. Experian was notified that re-aging an account is a violation in regards to my request for deletion of the disputed account. Experian responded that the account has been Updated and Verified without deletion or correction of violation. 

On or around XX/XX/XXXX I sent a 2nd dispute letter to Experian questioning the result of the 1st dispute returning as accurate and updated. I disputed continued inaccurate reporting of the Date Of Last Activity, re-aging of an account, and again informed Experian to delete for continued reporting violations 6 weeks after the first dispute. Experian responded that the account has been Updated and Verified without deletion or correction of violation. 

On or around XX/XX/XXXX I sent a 3rd dispute letter to Experian requesting deletion of the same account to Experian, informing them of multiple FCRA violations that they were blatantly committing by reporting Past Due amounts on a collection account. Experian continues to report Past Due amounts 3 years after closure of the account and responds to dispute stating that the account has been Updated and Verified. 

On or around XX/XX/XXXX I sent a 4th dispute letter to Experian requesting deletion of the same account for inaccurate reporting between bureaus showing the same account as Charged Off and 120 days Late simultaneously. The inaccurate reporting continues without deletion or response. Despite errors, Experian states that the account again is Updated and Verified. 

On or around XX/XX/XXXX I sent a 5th dispute letter to Experian requesting deletion of the same account for violating the Fair Debt Collection Practices Act by reporting Late Payments after the account has been closed. Reporting of this account continues in XXXX, 3 years past closure of the account. Experian has refused action for violations regarding this account through 5 disputes and 6 months time and responds stating the account is Updated and Verified.

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 2021-07-20
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied and was approved for a refinance through Quicken Loans AKA Rocket Mortgage. I had to pay the appraisal fee of XXXX and was told by XXXX who was my point of contact through the process I would receive a refund for the amount if the loan was not able to go through due the company, I was informed on Monday XX/XX/2021 that they will not be able to provide the loan at the terms we initially agreed too and the other options were not in my best interest and the cost of the appraisal would not be refunded. I spoke with 2 escalation specialists who were not able to assist as I stated they should not request an appraisal until all the other paperwork comebacks as all clear and they advised they request it right away because it can take up to 6 months for the appraisal, meanwhile Rocket mortgage advised we would be able to close within 4-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with The Fair Credit Reporting Act. This account : XXXX  # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN )

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2022-05-03
Company: Experian Information Solutions 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:
There are some item resolve, closed, charged off, paid off and clear on XXXX. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please 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 explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called on XX/XX/23 to see what XXXX XXXX could do to help me with my payment. I explained I was injured and missed some work but could catch my loan up this month. I was told by the rep I talked to that he would submit a deferral and as long as I made payment by XX/XX/23 that I would not have any late payments in my history or a hit to my credit. I made the payment on XX/XX/23 as I was told and did everything asked of me. They still reported me as 30 days past due. I have called twice to get this resolved and was told that there is nothing they can do. I asked for a supervisor who could help me and the first time the rep tried to reach someone he flat out told me that they are refusing to take the call. Finally got to someone who was supposed to be a supervisor and she also told me there was nothing she could do and the department who deals with credit reports does not have phones. She said the only way to even being the process of filing a complaint was foto her to mail me a letter with instructions. I did what was asked of me based on what the initial rep told me and XXXX XXXX did not hold up their end of the deal. The rep lied to me and has probably done so to several other customers with no corrective action or consequences

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 2023-09-27
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX, Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.

If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute. 

You may also log on to experian.com/disputes, or call us at XXXX XXXX XXXX XXXX for faster service. *Not paying for service* The dispute process may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ). We will send you the results once completed. If you write to us, please provide the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2019-11-21
Company: Conduent Incorporated
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Hello my name is XXXX XXXX, Im a consumer card holder of the EPPICCard this card in particular gives my family XXXX XXXX which helps me take care of my children, however my card was comprised on XX/XX/2019, my starting balance was XXXXas of XX/XX/2019 I used my EPPICdebit card for some purchases to pay some bills, in the amount of XXXX, Which left My EPPIC card balance as XX/XX/2019, XXXX. If added together the amount would would be the same exact amount from the beginning of the EPPICCARD, as of XX/XX/2019 my card had been completely compromised the amount left on my card was ONLY XXXX, My EPPIC CARD was lost in XX/XX/XXXX also, they replaced the the card But not the money lost on the card, After being denied the funds not returned to my card So I did my own advocacy and research on behalf of my children and self, I understand that I am not the only consumer that has had fraudulent reports for the EPPICCard merchants, current management company has been fradulent reports to EPPIC Card consumers. This called Bambozzled, you can research on EPPIC CARD Complaints.com. Thank you for considering my complaint. I only been waiting for my XXXX XXXX   payment for over 21 years, now it has been compromised, and no one is willing t

Company response to consumer: Closed with explanation