BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I inherited a property from my parents. My parents acquired the property a second home in XXXX. They originally signed a mortgage note with XXXXXXXX XXXX and XXXX. XXXXXXXX XXXX sold the mortgage note to Doral XXXX which no longer exists in Puerto Rico because they committed fraud. In XXXX my mother payoff the mortgage note to Doral XXXX. I have copy of a manager 's check. All assets of Doral XXXX XXXX were acquired by Banco Popular de Puerto Rico in XXXX. I went to Popular XXXX  XXXX and they told me they only have documents from XXXX. The problem I have I need to sell the property because I am divorcing and need the money to buy an apartment since the property I inherited is too far away from my job. In order to do that my lawyer needs a letter informing that the mortgage note is paid in full, to start judicial proceedings for a lost mortgage note. I telephoned FDIC and they referred me to Federal Reserve. Federal Reserve answer me telling to contact your agency to solve my problem. Please Help me, I feel like I am a ping ball going agency through agency and nobody delivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: PA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 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 non-monetary relief
Consumer complaint received 2023-03-15
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in reference to my credit report, which contains several items that are incorrect or questionable. As per the Fair Credit Reporting Act ( FCRA ), I request that you take appropriate action to investigate and correct these errors immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Please remove it from my report immediately. 

XXXX XXXX XXXXXXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXXXXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I have carefully reviewed my credit report and can confirm that the above-listed items are not accurate. As per the FCRA, I have the right to request that you remove any information that is inaccurate or incomplete. 

Please note that I would like to receive a written confirmation once these items have been removed or corrected from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX/XXXX  # XXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX  XXXX XXXX {$670.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX  XXXX XXXX {$610.00}, XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX/XXXX  # XXXX {$2200.00}, XXXX/XXXX  # XXXX $ {$0.00} XXXX XXXX  XXXX # XXXX {$0.00}, XXXX XXXX  # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX  XXXX # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on 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 2023-03-15
Company: EQUIFAX, INC.
State: CO
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 this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: AR
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/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report. According to my credit report, the following accounts are listed as negative items : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX XXXX Late Payment Account Medical XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Charge Off Account XXXX  XXXX XXXX  XXXX XXXX XXXX Collection Account I dispute these items as inaccurate and not reflective of my creditworthiness. I believe that the information on my credit report is incorrect and unfairly damaging my credit score. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate. 

I would also like to remind you that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and complete information. If the items I am disputing are found to be inaccurate, incomplete, or unverifiable, I expect them to be removed from my credit report immediately. 

LAWA : Fair Credit Reporting Act ( FCRA ) Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Dynamic Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dynamic recovery solutions Account # XXXX I received an alert on my credit profile saying I owed XXXX for a doctor bill. 
I never received a bill but on the collection it was said to be submitted XX/XX/2021 the inquiry came around XX/XX/2021 XXXX I also called about the debt and told them I was in a car wreck my lawyer took care of all of it. 
I also asked why I never received a letter about the debt in which the worker said they dont have to send a letter I already knew of the debt. That should b on file because she said everything is recorded for customer assurance purposes. 
I also have medical insurance which I had every since my car wreck, so I know in fact that was a bill for my car wreck. 
After I sent them a letter a week later they responding by offering me a settlement price or to pay it over time. That was the first letter they sent to me. 
XXXX law firm of XXXX Louisiana handled my car accident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: MD
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 have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate information.

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 2023-06-30
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I pay world finance on XXXX XXXX XXXX. in XXXX, South Carolina {$140.00} every month but this month I was only able to pay XXXX plan on catching up in XXXX weeks but they are making me Pt Phone called. They called XXXX times within XXXX minutes. That is on my phone log. And I told him to stop calling repeatedly and they told me that until I pay the full Ville that they would call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Paypal Credit Account. Paypal routinely offers 0 % Promotional Offers and Interest is deferred and not billed if the Principle is paid in full by the end of the promotion. 

Seems easy enough except that it is almost impossible to make a payment and insure that the payment is allocated to the Promotional Balance and not the standard Credit Line Balance. It appears that Paypal is encouraging its customers to default on the Promotion by making it near impossible to pay off and end up getting charged the Deferred Interest. Below is a recap of how difficult it was for me to make this Promotional Balance payment. 

I currently have 2 Promotional Balances coming to Term XX/XX/XXXX and XX/XX/XXXX of XXXX. On the PayPal Website I can easily see my promotions and when they are coming to End of Term. However there is no way to make a payment on the promotional balance. There are no instructions on how to make a payment to promotional balances. I read all of the FAQ 's and read nothing around making a Promotional Balance Pmt. 

Last week on XX/XX/XXXX i called Paypal 's customer service and stayed in the que for 20 min before being disconnected with the automated recording saying " they were experiencing high call volumes and to call back later ''. Today XX/XX/XXXX I called back, waited 10 mins on the que hold before being answered. The Customer Service Rep answered my question on how to " make a promotional pmt '' by saying just pay more than the minimum and it will go towards the first due Promotional Balance. I told her I disagreed with that approach because typically a pmt more than the minimum will just go towards the total balance. She asked me to hold while she talked with a Supervisor. After 10 min she got back on the phone and said you have to make a pmt with me and I file a ticket for my back office to allocate the pmt to the Promo Balance ( which takes 5 bus days to complete ). i made the pmt with her and hung up. 

My concern here is that this is predatory lending. Paypal gives you a Promotional Offer but makes it near impossible to pay off in full ; triggering the deferred interest at extremely high rates 26.24 %. If I had taken the Customer Service Rep 's first advice I would have been charged the deferred interest. Since I was lucky and pressed on the correct pmt issue I now have to wait 5 days for a back office team to post to my promo balance and " hope '' they do it correctly. if I had called 1 day before the Promo expired I am not sure if I would be able to pay in time since the back office needs 5 days to post. This was never explained to me. 

Thank you for looking into this, feel free to contact me. 

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Remove all negative items information is not accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2019-10-15
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made payment toward principal on two separate occasions with the same result. My payments are always up to date and on time. When I submit a second payment to principal, Freedom Mortgage places the payment in a " suspense '' and does not apply the funds to my mortgage principal. In the latest incident, they received the payment on XXXX and had taken no action when I called them on XXXX. During that call, they said that the payment would not be applied to my account until Friday XXXX. That is almost 2 weeks or nearly a half of a month of interest that I have lost and they have gained on my payment. As stated earlier, I have had this same issue previously. This is not an anomaly, it is a practice. As always, thank you for the important service that CFPB provides to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-01
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 non-monetary relief
Consumer complaint received 2023-04-13
Company: Mercedes Benz Financial Services
State: AE
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, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and XXXX.

Company response to consumer: Closed with explanation