davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (OK)

My report says there is a gap of employment from XX/XX/XXXX to XX/XX/XXXX for 2666 days. I first started working for XXXX XXXX in XX/XX/XXXX in XXXX Pennsylvania ( right after I graduated high school ) and then moved to XXXX Ohio around XX/XX/XXXX or XX/XX/XXXX with the same company to open up the new location in Ohio. I quit working for XXXX XXXX in Ohio in XX/XX/XXXX due to lack of hours. I then worked for XXXX XXXX XXXX in XXXX, TX. I am not 100 % on the dates for XXXX XXXX though. They were a XXXX company at XXXX XXXX XXXX is also a XXXX compliance company ( XXXX XXXX is XXXX compliance Coordinator XXXX ) and I am a CDL driver here which my report states the opposite for both of those things. I have to drive our rolloff truck to deliver and pick up dumpsters on locations and I receive emails and phone calls to make sure our vehicles and trailers are up to date with DOT inspections and are in compliance. So I don't understand why those 2 areas say no on my report. Please contact the companies again to verify the information to correct any issues. They have my Drivers Qualification file that should have all of that information in it. 
I don't understand why the reporting agency can not get ahold of XXXX XXXX out of XXXX Texas. This company is also a DOT company that I received my CDL while working for them. I have never had any issues contacting them before when I have needed to reach them for information. XXXX XXXX works for HR ( XXXX XXXX ) as well as XXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ) If there are any further question please contact me by cell phone number XXXX so we can clear this report up. I would hate to not be considered for a job position due to an inaccurate background report. All of the information I have given is 100 % accurate. Please try to get the correct information asap. Thank you.
Consumer complaint received 2023-09-01
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: SYNCHRONY FINANCIAL (PR)

I had disputed an account that was open fraudulent. It took more than 3 months. 
I call Synchrony bank to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any account.
Consumer complaint received 2023-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (PR)

I see a credit inquiry on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX late in the night and I dont request any credit inquiry.
Consumer complaint received 2023-09-01
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. (PR)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

On XXXX of XXXX  I set up automatic payments to XXXX XXXX  from XXXX XXXX. 
On XX/XX/2023 the automatic payment went out on XX/XX/XXXX per my payment process. 
XXXX Mortgage reported the payment was received on XX/XX/2023. Which is one day past their deadline. 
On XX/XX/XXXX I was notified through my monitoring that XXXX XXXX  has flagged me as being 30 days delinquent on the account. 
After speaking with a representative of XXXX XXXX, I proved to them I had the documentation and that I paid it on time. 
I plead my case that there was some error with the bank, or them receiving it, I was informed since it wasn't an error specifically on XXXX XXXX, they wouldn't be able to update my credit report. 
I am only asking for a one-day adjustment.
Consumer complaint received 2024-01-08
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. (NY)

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had no late payments with these accounts. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/XXXX I attempted to access my checking account to pay my bills and was unable to enter my account. I entered the login information correctly and was kicked out immediately. Received an email warning me of a duplicate session. I called the bank and went through the routine, clear your browser, etc, etc. I was told the issue would be resolved by close of business that day. I tried logging in the next morning XX/XX/XXXX and the same thing happens. I called again and was told I would receive a call from the bank. The call never happened, On XX/XX/XXXX, XXXX, XXXX, XXXX did the same thing. Could not login, called the bank everyday and was told they were working on it. That they had many customer issues to take care of and would get back to me. At this point my bills are already going to be late for payments. I asked the rep to just have my account reset. To send me a link via email to do so. Apparently that is not possible? This is ridiculous! Today is XX/XX/. I still can not access my First BanCorp account. AKA 1First Bank in Puerto Rico. The level of disregard for customers in the banking industry on this island is beyond unacceptable.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

MY CREDIT REPORT HAVE INQUIRIES THAT WERE NOT AUTHORIZED BY ME. I HAVE AN ALERT THAT REQUIRED ANY COMPANY TO CALL ME BEFORE PULLING MY CREDIT REPORT. THIS COMPANIES DIDNT CALL ME BEFORE PULLING MY CREDIT REPORT. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, 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. (PR)

MY CREDIT REPORT HAVE INQUIRIES THAT WERE NOT AUTHORIZED BY ME. I HAVE AN ALERT THAT REQUIRED ANY COMPANY TO CALL ME BEFORE PULLING MY CREDIT REPORT. THIS COMPANIES DIDNT CALL ME BEFORE PULLING MY CREDIT REPORT. XXXXXXXX XXXX ( Bank ) ON XX/XX/2023, XXXX CARD SERVICES ( Bank ) ON XX/XX/2023, XXXX ON XX/XX/2023, XXXX ON XX/XX/2023, XXXX ON XX/XX/2023 AND XX/XX/2023, XXXX XXXX ON XX/XX/2023 AND XX/XX/2023, XXXX CARD ON XXXX AND XX/XX/2023 AND XXXX XXXX ON XX/XX/2023.
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I May review to see if this is actually an account that belongs to me
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. (MI)

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  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 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PR)

this company we have been in misundestanding since they bougth our loan from another company we have called many times in the past XXXX years talked to so many people no one knows anything and we have to explain again and again we have all in good standing since we were on XXXX  XXXX but they always sending charge or payments for us to make besides regular monthly payments they dont have solutions only harassment we have explain them with evidence we visit an oficce here in PR with evidence so many times they keep calling us harassing us and its been 2 years and nothing its been done since nobady follow up or dont know .well this is puting us on a XXXX XXXX XXXX XXXX and we dont know what else to do we dont owe them anything but regular payments which are made month over month, they have not even told us what its the reason or from where was the origin of the money they say we have to pay we are really tires of this cpmpany know they are sendin certified mail on and on from a legal firm of attornies harrasing some more we nned help to prove with evidence that we are in good standing and that they have something wrong this company work very agresive as a lender company anybody call without the info to charge us in every call we are tired of explaining
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (MO)

I have a fraudulent XXXX charge I didn't authorize on my wisely visa  card ( by ADP, issued by XXXX  XXXX XXXX ). Now the rest of the funds in my account are locked until I get the new card, in addition to having the money stolen from me that I trusted to keep in this financial institution. I spoke to wisely and requested an immediate credit to my account in the amount of the fraud charge and was refused. I was told instead I have to wait 45 to 90 days to get my money back. I spoke to XXXX  and they couldn't help. I called XXXX XXXX XXXX and adp as well. I will be calling XXXX as well during their business hours. I will call my employer as well. Any reputable financial institution does not treat their customers this way. I don't understand how this is legal. I did a bit of searching online and found that apparently this is happening to a lot of people that use wisely by adp.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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. (GA)

TO WHOM IT MAY CONCERN ; I am writing to let you know that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All of the accounts are not mine and I am a victim of identity theft. Please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2023-12-04
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: EQUIFAX, 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 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (PR)

On XXXX of 2023 I set up automatic payments to Freedom Mortgage from XXXX XXXX. 
On XX/XX/2023 the automatic payment went out on XX/XX/XXXX per my payment process. 
Freedom Mortgage reported the payment was received on XX/XX/2023. Which is XXXX day past their deadline. 
On XX/XX/XXXX I was notified through my monitoring that Freedom Mortgage has flagged me as being 30 days delinquent on the account. 
After speaking with a representative of Freedom Mortgage, I proved to them I had the documentation and that I paid it on time. 
I plead my case that there was some error with the bank, or them receiving it, I was informed since it wasn't an error specifically on Freedom Mortgage, they wouldn't be able to update my credit report. 
I am only asking for a one-day adjustment.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/2023, I initiated a balance transfer as part of a no fee, 0 % apr promo from my XXXX account to another account with a different financial institution. Unfortunately, XXXX made a critical error by inputting the wrong recipient account number during the transfer. I provided the correct recipient account number at the time of the request. 

As a result of XXXX 's error, the funds, totaling {$2900.00}, were deposited into the incorrect recipient account. I immediately contacted XXXX to report the mistake and provided them with the correct recipient account number. They assured me that they would open an investigation to resolve the issue promptly. 

Despite their assurance, it has been more than a month, and there has been no resolution to this matter. Meanwhile, XXXX continues to hold my XXXX XXXX, causing me financial hardship and inconvenience. I have reached out to BPPR multiple times seeking updates on the investigation, but I have received no concrete information about when this issue will be resolved and my funds returned.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

After checking my Credit Report I Reached out to the credit bureau to open an investigation on the verification of accuracy and consistency of information on my credit report. The Credit Bureau came back with the result as being verified and accurate, and after doing more in depth research i found the information to be improper and inaccurate after the credit bureau stated they have already conducted their investigation In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX - XXXX XXXX XXXX XXXX30 Days 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 a account without my written instructions
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I immediately called the Cash App customer service line and informed them of {$100.00} that was taken out of my account without my consent or knowledge it was fraud. It was debited by XXXX XXXX XXXXXXXX XXXX XXXX. I was told file a report and I did and emailed the police report to Cash app. 

I have not received the refund owed to me and been given run around know for a month.