davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANCO POPULAR DE PUERTO RICO (PR)

About 3 months ago I went to the bank in person and told them that I was consolidating my loan with the company XXXX XXXX XXXX, they made me write a letter explaining what I was doing. I told them that the consolidating company will take about 4 months to communicate with them to reach an agreement. They continue to call at all hours of the day none stop. They know from me what I'm doing and were told by me that I'm not reusing to pay, but that the consolidating company will contact them to make the payments. After that someone came to my house and left a note with 2 phone number.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2023-06-29
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

By the end of XXXX, I began the process to obtain the money and pay off the reverse loan. In XX/XX/XXXX, the XXXX XXXX XXXX XXXX  XXXX XXXX declined the loan due to problems with the property. In other words, I was approved for the loan but the property does not qualify for any product. The Bank tells me that no financial institution is going to XXXX me the money due to the situation of the property. I contact HUD indicating the situation, I send them the bank document and I even make an offer to pay off the loan to which they tell me that they do not accept any offer other than paying 95 % appraisal of the property. I contact other banks to present the situation and try to get the money, but all the banks, including Banco Popular de Puerto Rico, who originated the reverse loan, told me the same thing, that the property does not qualify for any loan. At the moment, I am in a Mediation program with Banco Popular in the Court but they do not want to accept an offer, they just want full payment that I can not get due to the situation described or that they hand over the property, which is not an alternative for me since I have tried everything and it is the only property I have. It is my only home and I have not refused to pay at any time and I followed all the steps that they have indicated to me. I just want you to help me with this situation because they granted a reverse loan with a property that has a " Hazzard '' because the property has had that situation since XXXX and if in XXXX it qualified for a reverse because now they can not grant me the loan to pay it off. Please I need your intervention in this matter.
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

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.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PR)

This letter is a formal complaint against EQUIFAX. They reported an inaccurate information on my credit reports. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be updated/deleted as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX- Account # XXXX ( 30 days late XXXX and XX/XX/2022 )
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Reporting debt since XX/XX/XXXX with no documentation sent. The amount owed is {$760.00}. I sent a dispute later on XX/XX/XXXX and nothing has been done. It is now XX/XX/XXXX, still no response and it still being reported on my credit as of today.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Palisades Collection LLC and their representing attorney, XXXX XXXX XXXX ( Attorney ID : XXXX ), for what I believe to be violations of federal debt collection laws and unethical practices. 

My name is XXXX XXXX XXXX, and I am a resident of XXXX XXXXXXXX XXXX XXXX For over a decade, my wages have been garnished by Palisades Collection LLC, represented by XXXX XXXX, without any prior notice or validation of the debt they claim I owe. I have not received any communication from a process server from the United States Postal Service, which I understand to be the legal method for serving a subpoena or sending a collection notice. This lack of proper notice has denied me the opportunity to verify or dispute the debt as provided by law. 

According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, a debt collector is required to send a written notice containing the amount of the debt, the name of the creditor, and a statement that the consumer has a right to dispute the debt within 30 days of receipt of the notice. If the consumer disputes the debt, the debt collector must cease collection efforts until they have provided verification of the debt. In my case, no such notice was provided, and my wages continue to be garnished. 

Furthermore, I believe that my personal information, including my address, was obtained illegally. This is a serious concern as it suggests a violation of my privacy rights. 

I also want to bring to your attention that I am a XXXX woman living in a XXXX neighborhood in XXXX XXXX XXXX XXXX I have observed that Palisades Collection LLC has many collections against individuals in similar neighborhoods, which raises concerns about discriminatory practices. 

I kindly request that the CFPB investigate these matters. I believe that the actions of Palisades Collection LLC and XXXX XXXX may be in violation of federal law, and I am seeking your assistance in addressing these concerns. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

ACCOUNT DELETED ALREADY FROM XXXX BANK COULD NOT PROVE THE ACCOUNT WAS MINE AND IT SHOULD BE DELETED FROM XXXX AND XXXX XXXX XXXX Credit Card with account XXXX # XXXX ( XXXX Banco popular of Puerto Rico By XXXX XXXXXXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Please be advised that TRADE : XXXX XXXX is not reporting on your credit file. A letter outlining our findings was also mailed to the address on file. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myXXXX you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the Fair credit reporting act XXXX account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureau and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is the 4th complaint i have filled with the CFPB and the companies didnt do anything to respond or to solved this matter. I have only recieved automated responses saying that the issued was verified as accurate but no real proof evidence of such or any invenstigation made. A lot of illegal innacuracies reported on my personal credit report and nobody takes an action with the credit reporting company or the creditor. 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 writing instructions. 15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

ACCOUNT DELETED ALREADY FROM XXXX BANK COULD NOT PROVE THE ACCOUNT WAS MINE AND IT SHOULD BE DELETED FROM XXXX AND TRANSUNION XXXX XXXXXXXX XXXX XXXX with account XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX 2XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Please be advised that TRADE : XXXX XXXX is not reporting on your credit file. A letter outlining our findings was also mailed to the address on file. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XXXX XX/XX/2023 I applied for a personal loan for credit consolidation, on XXXX XX/XX/2023 I called to follow up on the loan. The call center agent then advised me that the loan got approved but never discussed the terms and conditions of the loan. The agent advised that all I need to do is go to the branch with a form of ID. Once I arrived at the branch all efforts for this loan was discussed with me in XXXX. I do not speak nor understand XXXX and had no idea what was being given to me neither the terms and conditions as all paperwork is in XXXX as well. According to my knowledge and the law this is unlawful.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (VA)

Nationstar mortgage doing business as Mr. Cooper failed to notify me in a timely manner of the compromise. Far more than thirty days passed before I received details of the intrusion- was I effected ; what was lost in the intrusion. 

Further about 60 days passed before I was made aware of free credit monitoring, etc. 

Phone calls to them resulted in a run-around and no concrete information
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.