BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since 2019, FIRST BANK OF PUERTO RICO. I try back and forward to many ways to make a Loss mitigation. LOAN NUMBER XXXX. I make a complaint to Consumer financial because they inform to many letters that is deny then upps its Ok they give the chance to make a trial I start to make the payments month by months with no problems. Then I received a letter offer me a balloon payment I dont accept but I continue the payment and bank accepted they never call to closed because the COVID-Sar 19 i got XXXX in XXXX my father and mother both died one in XXXX and my father in XXXX for cause of XXXX I never stop to make payments to the bank. Since XXXX in middle of XXXX they call me the trial that they give fall down because they need a letter from a government area taxes on house Im said that was ok but I need to take a appointment to go to that office and look for papers that they want, and I said please continue receiving the payments please they SAID NO. The bank said again to start over another Full case of LOSS MITIGATION NO MATTER WHAT THAT I ALWAYS IN THE PLAN MAKE THE PAYMENTS ON TIME ALWAYS. This is so intensive because since 2019 I try to closed this loan and right now I start again the course of another this is maybe the fifth or six time that the bank make this is going crazy. To many things in my life so sad for the lost of MOTHER AND FATHER FROM XXXX. AND I GOT XXXX TO. Its so difficult because this people in the bank want to se me going crazy, to many letters a have that they dont be Serious. In this time I star over again and send all the paper again and package of loss mitigation but the thing is that they are playing with my health emotional and physical because I can eat and to many disorders in to my body when you sum all things that I pass with my family and think they are playing with PEOPLE THAT THE ONLY THING IS WANT TO PAY AND THAT IT I received the papers from the taxes in XXXX XXXX means CRIM and send instantly. I appreciate please help me with this BECAUSE THIS PEOPLE ARE PLAYING WITH SOCIAL MENTAL AND I DONT THINK ITS FAIR Thanks again XXXX XXXX XXXX XXXX THIS IS SECOND TIME I RIGHT DOWN A COMPLAINT by me. Thanks for the HELP TRUST IN YOU. Cell phone 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 2021-05-03
Company: U.S. BANCORP
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/21 : Bought XXXX XXXX XXXX truck from a private individual. XXXX paid US Bank in the electronic transfer of funds at XXXX XXXX of {$37000.00}. 

XX/XX/21 : New buyer ( complainant ) received a lien release from US Bank dated XX/XX/21. 

XX/XX/21 : XXXX XXXX Kansas XXXX in XXXX, KS would not accept the lien release was not valid as it did not have a notary stamped and both seller 's names on the release. On the same day, the buyer drove to XXXX XXXX, KS to a US bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX. XXXX XXXX XXXX to discuss the issue with the Manager. The manager then called the main US Bank branch in XXXX WI and was told to put in for a new lien release. New release requested entered. XXXX # XXXX. The buyer told it would be 20 days to receive the 2nd lien release from XXXX WI. 

XX/XX/21 : XXXX called US Bank in XXXX KS XXXX XXXX XXXX XXXX ). Spoke with XXXX, advised to wait a few more days for lien release to come in the mail. Unsatisfied with the response from XXXX, the buyer called US Bank in XXXX, WI. Spoke with agent XXXX who reported that the second request placed on XX/XX/21 was denied to be sent to the buyer 's address, but could have it faxed to the XXXX in XXXX XXXX Kansas. Request for fax placed. XXXX # XXXX. 

XX/XX/21 : Buyer called XXXX XXXX Kansas XXXX to see if the fax from US Bank XXXX had been received. XXXX agent checked all faxes received. This request was not found. The buyer then called US Bank XXXX XXXX, WI, agent told the buyer that the request to fax the lien release was " in review '' and had not been sent. The buyer requested to speak to a manager, none available at the time. The buyer requested a manager to call back to discuss the situation. No return phone call received. 

Complaints concerns and with for resolution : Multiple days of work have been taken by the buyer to address this issue. XX/XX/21 Buyer will be outside of the mandate to tag the vehicle within 60 days, which will incure associated fees for late payment of sales tax and transfer of title. There is also concern of citations and fees if law enforcement pull over the buyer in the vehicle.

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 2023-05-31
Company: EQUIFAX, 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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have filed a police report which is attached as well as submitted a complaint with the FTC about the fraudulet accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Exeter Finance Corp.
State: TX
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:
a late payment was reported on my credit on the month of XX/XX/2021. This is the only time I see a late payment on my credit but it is not due to me not being able to financially make the payment it is actually because the whole state of Texas had a winter freeze that month and we had a major power outage we didnt have cell phone reception no Internet reception we also did not have power it was a state of emergency for the entire state for the most part of almost 2 weeks. My father had told me to reach out to you guys regarding this late payment because I am actually in the process of trying to fix my credit to purchase or my first house for my family and in doing so he told me about the CARES Act regarding the late payment forgiveness and told me to write your company requesting a one time late payment forgiveness. This was a legitimate un-natural crisis that took place on XX/XX/2021 in XXXX TX please delete the late payment off my credit report thank you. 

Exeter is being unreasonable in removing the late payment after a crisis that took place in Texas on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: IL
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:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. TransUnion even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, TransUnion reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.

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 2023-11-04
Company: EQUIFAX, INC.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
XX/XX/2021 Equifax XXXX  XXXX  has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: QC HOLDINGS INC
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1200.00} from XXXX XXXX in XXXX, Alabama in either XXXX or XXXX of XXXX. I pay {$250.00} a month on this loan. I have been paying it for a whole year now- never missed a payment and somehow they say I still owe {$920.00}. Interest on this loan is killing me. I have repaid the loan two times over now and by their record Ive only paid {$300.00}. There are no paper records available online because XXXX XXXX sold out and is now XXXX XXXXXXXX. Please help me. They are adding fees and interest to keep me in this loan. This is predatory and should be illegal.

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 2022-04-30
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On the credit card statement for XX/XX/2022 received for my CareCredit card ( issued by Synchrony Bank ) my new balance was {$4100.00}. This balance was made of two " Promotional '' balances. The first balance of {$2900.00} has an expiration date of XX/XX/2022. The remaining balance of {$1100.00} has an expiration date of XX/XX/2022. In order to avoid any deferred interest charges, the respective balances must be paid on or before the stated expiration date. 

On XX/XX/2022, I made a payment of {$2000.00}. On XX/XX/2022, I accessed my account on line in order to payoff the earlier promotional balance ( due XX/XX/2022 ) of {$2900.00}, assuming the balance would be {$980.00} ( {$2900.00} minus {$2000.00} payment ). The on line information. indicated the promotional balance for the XX/XX/2022 promotion was {$1100.00}, not {$980.00}. 

On XX/XX/2022, I also contacted Synchrony Bank to see what games they were playing with my account. The representative I spoke with ( ID # XXXX ) stated that sense my payment was not enough to payoff the XX/XX/2022 promotional balance of {$2900.00}, Synchrony 's system arbitrarily applied {$130.00} of my payment to the XX/XX/2022 promotional balance, leaving a balance of {$1100.00}. This in essence is increasing the previously stated promotional balance for the XX/XX/2022 promotion. I told her that this was an unethical and deceptive trade practice that could result in a cardholder to incur interest charges because of the change in a balance amount different from what the cardholder was previously told. She agreed that she would reapply my {$2000.00} payment in its entirety to the XX/XX/2022 promotional amount of {$2900.00} as reported to me on my XX/XX/2022 statement. However, she also stated that it would take XXXX billing cycles to complete. She also stated that my new balance for the XX/XX/2022 promotion was {$980.00}, which is what I expected. However, I'm concerned that I will be charged interest due to the length of time it will take Synchrony Bank to reapply my payment correctly. 
I never have been provided with any information on how payments are applied to promotional balances. Since my account is made of promotional balances, one would assume that all payments would be applied to the earliest promotional balance. It's apparent that Synchrony Bank 's system does not work in that manner. This can lead to a customer paying interest when they thought they had paid of a promotional balance within the designated payment period. I consider Synchrony Bank 's practice to be unethical and deceptive in nature.

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 2021-07-21
Company: EQUIFAX, 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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on 7/21/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted and disputed the date to remove negative information on my credit report several times and Experian will not change the date. Experian has the information that the last missed payment on my account with XXXX was XX/XX/XXXX. The date to remove this information, the reporting date should be XX/XX/XXXX. They are reporting the date to remove as XX/XX/XXXX, even though they have record of my last missed payment in XX/XX/XXXX. 

Under the provisions of the Fair Credit Reporting Act, How long will the charge-off stay on credit reports? Similar to late payments and other information on your credit reports that's considered negative, a charged-off account will remain on credit reports up to seven years from the date of the first missed or late payment on the charged-off account. 

Charge Off FAQs | 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 2019-01-09
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
1. Synchrony Care Credit is reporting account payment status incorrectly as a charge-off despite furnishing proof this account was settled in full. The correct payment status is settled in full.

2. Synchrony claims an incorrect balance despite receiving a refund in the amount of {$600.00}. 
3. I have called Synchrony Care Credit 17 times and gotten no resolution.

4. I have filed multiple disputes directly with synchrony proving they are inaccurately reporting payment status as a charge off. 
5. Synchrony is reporting the charge-off dates incorrectly. As made evident by the settled in full letter from XXXX XXXX. Stating the account was settled in full on XX/XX/2014. They claim it was charged off in XX/XX/2014.

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 2023-11-04
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: Account information incorrect

Complaint:
This is an unliquidated debt that is in dispute in Ca state court and inaccurate information is illegally being reported to the credit bureaus for the sole purpose to cause me harm. This debt is not insured by XXXX XXXX at this time. XXXX LIED when it said it was insured by XXXX XXXX because it is not!!! To state XXXX insured this loan is deceptive, inaccurate, a lie, and unfair and obviously to harm me.

Company response to consumer: Closed with non-monetary relief