davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (PR)

First Bank responded, once again, my complaint does not belong to them. 

Then, how they explain their own First Bank letter from their own attorney, sent by First Bank as an official response, included here, where they assume all the representation of Banco Santander Puerto Rico, including in this case I presented, in spite the evidence shows is impossible, because the Fair Credit Reporting Act Violations where committed by Santander, as well as Fair Debt Collection Practices Act violations? 

My response to this question, is included, and is directly related to the sale of Banco Santander Puerto Rico to First Bank, who bought it for {$1.00} XXXX dollars. 

First Bank forgot their client, and probably many others, in exchange for this agreement of {$1.00} XXXX dollars.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

i receive my consumer report and the law said 15 U.S. Code 1681b - Permissible purposes of consumer reports i dot not authorize this inquiry in my credit report XXXX XXXX  in XX/XX/2023 and this in violation of the fcra
Consumer complaint received 2024-08-04
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. (IL)

XX/XX/XXXX I received an email from Experian notifying my that my Credit file had been Automatically Unlocked because my fee paid service was cancelled putting my financials and myself in great harm! 
Previously you can see from an earlier complaint against Experian I was given a free year of service from the XXXX XXXX XXXX XXXX XXXX but because I was already paying member they wouldn't let me utilize the free one from XXXX XXXX XXXX. Your help fixed their evil idiocy. 
When they finally understood their mistake with your help/directions they gave me my XXXX & XXXX XXXX XXXX and canceled my paid subscription. 
A week later after " resolvement '' I get this email saying, " because I cancelled my paid subscription my Credit File has been automatically Unlocked '' leaving me completely vulnerable. EVEN THOUGH I PRESENTLY HAVE THE XXXX XXXX XXXX SUBSCRIPTION. 

These aimless idiots!! Again I tell you, to many departments and these careless clueless idiots are going to hurt someone because they have TO MANY DEPARTMENTS!! ONE HAND HAS NO IDEA WHAT THE OTHER HAND IS DOING AT ALL and WE PAY THE ULTIMATE PRICE!! 

Please help save us from this XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, California XXXX XXXX XXXX XX/XX/XXXX To : XXXX, XXXX, EXPERIAN Subject : Final Request for Verification and Documentation of Account name : XXXX XXXX XXXX, Account # : XXXX This Dispute serves as my final attempt to resolve this matter, of the original high credit balance amount owed {$20000.00}, before pursuing legal action. I am writing to formally request the following DOCUMENTS related to my account : XXXX Verification and proof of the bill of sale for the auction price of the vehicle that was repossessed. 

XXXX A detailed statement showing proof of total actual amount of payments made by me from the opening date of the account in XX/XX/XXXX through the present date, XX/XX/XXXX. 

XXXX Proof of the GAP insurance payment amount you received. 


*Please send all requested documentation by mail to the address provided above within 30 days of receipt of this letter. If you fail to provide proof of the requested documentations to me within this timeframe, I will have no choice but to seek legal action and demand that this account be deleted and removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. As a member of the XXXX XXXX I normally stay overseas in XXXX. 
These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX Federal detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove ATTACHMENTS
Consumer complaint received 2024-08-04
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. (TX)

I initiated a dispute with experian, which was resolved on XX/XX/XXXX under report number XXXX, in order to resolve a problem of homonymy and clarification of data, adding to it the relevant documents to my identity. 
However, when I look at my results, I realize that experian continues to confirm that I XXXX XXXX XXXX and my father XXXX XXXX XXXX, are the same person, something with which I am dissatisfied and I come at this moment to complain. 

I express, that I recognize as my data, the following : Name : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX A copy of an FTC report listing the products opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2019-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bison Recovery Group, Inc. (MD)

XXXX XXXX of the Bison Group has called my cellphone incesstantly multiple times over the course of the last 3 weeks. Today, I was notified by my sister that he has begun to call her phone numerous times attempting to reach me. She is not responsible for me and should not be contacted for any reason. I am unsure as to what he told her but she told me that he sounded serious. This leaves me to assume information may have been disclosed that should not have been.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Now I have discovered that the item XXXX XXXX XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile. I will be corresponding with the Consumer Financial Protection Bureau as we resolve this Incident.
Consumer complaint received 2024-06-22
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. (LA)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

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 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 2024-08-07
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: Experian Information Solutions Inc. (LA)

On XX/XX/year> I had did my daily check on my XXXX XXXX and I noticed it went down XXXX points. So checked my report and saw that there was a hard inquiry placed on my report. There was a credit card application for XX/XX/XXXXXX/XX/XXXXXXXX on the XXXX I didnt do the application.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

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 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 2024-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Avant Holding Company, Inc. (TX)

In XXXX I opened a XXXX credit card bought and paid as owed. Then in XXXX of XXXX I got XXXX  and missed a week of week, then America was shutdown for almost a year. Couldn't pay my bills like I was. Contacted XXXX was on a plan then it went to a collection. XXXX XXXX XXXX. po box XXXX XXXX UT, XXXX. Then I started receiving phone calls the man said he was the attorney and oh your going to pay, he was going to make sure of that, I tried tell him what was going on in my life trying to support a family on penny 's, sad he didn't care that I need to send all my money to him first, we had a argument about this for a little bit explain to him that he would be taking food out of my child 's mouth said he didn't care. I would get these phone calls for a few months then stop, then started getting civil citation for courts, now he's got a XXXX XXXX XXXX XXXXXXXX XXXX XXXX out of XXXX XXXX. A lawsuit against me for the {$3600.00}. The lawsuit says that it will garnish my wages or sell my property my vehicles whatever to pay the debt and he's had people come out to my house serve me papers when I'm sitting in my car trying to get ready to go to work this threatening show of force and calling me harassing me almost all day long and I work nights I have to turn my phone off during the day so I can sleep scared to death my vehicles will be towed off won't have a ride to work or he's threatened to come up to my work to serve me papers. I've contacted the original owner of the loan Advent to try to settle with them because I do not trust this debt collector I feel like I would never pay off the debt and I would be in debt with him forever they said that they sold the account to The Collector I made about emails to them about the situation at hand and they said that they will call me to talk to me about options I haven't heard from him yet. Scared to let my family outside to play to do things in the front yard thinking that somebody's going to come up and serve them with paperwork or say something to him something not for sure.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

On XX/XX/year>, my mortgage lender, Pennymac, send a payment of {$4100.00} to XXXX XXXX to pay someone else 's insurance policy premium ( # XXXX ) from my escrow account. The premium for my policy ( # XXXX ) had already been paid on XXXX XXXX, XXXX  for the year. My home loan is for a property in XXXX, yet the bill that Pennymac received from XXXX that included my home loan number had a NY condo address and did not include my name. Pennymac doesn't seem to check the bills they receive to even see if the addresses line up before sending payments. 

I've sought to resolve this issue, and the companies say they are working on it, but it has now been nearly two months and I still don't have my {$4100.00} back. Pennymac won't let me close my escrow account because it now has a negative balance so I am stuck. 

This incident has now occurred twice in one year, and I am forced to spend hours on the phone trying to reach real human beings and untangle what happened. I do not trust that this will not happen again, so I will be cancelling my policies with XXXX and closing my escrow account with Pennymac, both companies are mishandling money and have not been quick to resolve this issue.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-08-07
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. (CA)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXXXXXX ....