davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANCO POPULAR DE PUERTO RICO (TN)

My dear Mother passed away a year ago. Mom and Dad had a joint account at the time with the Banco Popular of Puerto Rico. The bank immediately froze both the savings and checking account. The Banks ' excuse was that they following Puerto Rico 's Inheritance laws. I contacted the banks ' legal division and spoke with the Attorney XXXX XXXX. She informed me that if I and my XXXX sisters showed up in person the bank would unfreeze the accounts but she had to confirm if some documents were confirmed. Attorney XXXX can be reached at XXXX XXXX, ext. XXXX XXXX.
Consumer complaint received 2024-05-23
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. (NV)

I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Transunion credit bureau has failed to take appropriate action and continues to report them. 
I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 
XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I noticed the account XXXX XXXX XXXX was on my Equifax credit report. It says it was opened on XX/XX/XXXX. I have no prior knowledge of this account nor authorized anything regarding this account. I filed an FTC report for this matter.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX  ). My contract with XXXX XXXX was then cancelled. Transunion and XXXX  Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Transunion and XXXX to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Transunion and XXXX still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TOWNE MORTGAGE COMPANY (CA)

I have deposited the total amount of {$7200.00} on XX/XX/XXXX. The breakdown list below from your company which include the XXXX, XXXX and XXXX mortgage payments, I also made the XXXX and XXXX monthly payments on XX/XX/XXXX and on XX/XX/XXXX in the meantime. Therefore, the XXXX and XXXX mortgage payments have been double paid. This overcharge has resulted in financial strain and has raised serious concerns about the accuracy of my mortgage account. 
In addition, since my online account has been blocked by the Towne Mortgage Company so I can not continue paying my XXXX mortgage payment. Do you have any other payment options available? Otherwise, the accumulated mortgage should have nothing to do with me. 
XXXX. Phone conversation with loan XXXX XXXX XXXX and his XXXX XXXX on XX/XX/XXXX. Both of them promised to send a detailed list for review immediately, but never did. 
XXXX. Phone conversation with loan XXXX XXXX XXXX on XX/XX/XXXX. He requested that all relevant bank transaction records be sent to him. All the transaction records he needed were sent to him on XX/XX/XXXX, but never received any follow-up or reply. 
XXXX. Phone conversation with loan XXXX XXXX on XX/XX/XXXX. He promised to send a detailed list for review after the call, but never did. 
XXXX. Phone conversation with your customer service representative on XX/XX/XXXX. She requested to re-send the inquiry email again and include the XXXX in the loop. I did the same day but never received any follow-up or response. 
XXXX. Phone conversation with your customer service representative on XX/XX/XXXX. She told me that my account was under review and would contact me further, but never did. 
XXXX. PLUS I have sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to follow up the inquiry status and try to resolve the problem, but I have NOT received any response from the Towne Mortgage Company yet!
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I submitted a complaint on XX/XX/XXXX case number ( XXXX ) in which Banco Popular answered to XXXX CFPB saying that they tried to reach me on several ocasions which is a lie. I called like they instructed me before XX/XX/XXXX in which XXXX XXXX XXXX who is encharge of my loss mitigation process told me to wait for his call that we were going to be signing the documents at the begining of XXXX. Banco Popular has never contacted me. I was contacted by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to be exact in concern with the loan modification papers because she is the loan officer from XXXX and havent received the loan modification papers. Now the Court wants to remove me and my family from my house. I want CFPB to not accept any explanation from Banco Popular. Get from Banco Popular The name of the Manger of the bank and tell CFPB a date when I am suppose to be at the Banco Popular. For me to get a contact number in CFPB for that same date for me to call. Banco Popular hasnt allow me to keep on making my monthly payments.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

The Debt Collection Agency contracted by Popular Auto in charge of the repossession of my vehicle is charging me a service charge fee consisting of {$300.00}. Local regulations promulgated by the Department of Consumer Affairs of XXXX XXXX, especifically prohibits this practice. For that matter said regulation establishes in Rule 17 ( a ) of Regulation 6451 of the Department of Consumers Affair of XXXX XXXX that the Debt Collection Agency is prohibited from " collecting or requiring the debtor to pay additional charges on the amount owed and the costs incurred by the collection agency in its normal collection management ... ''.
Consumer complaint received 2024-05-22
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. (KS)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-09
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. (GA)

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 inructions 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. 

These are the inquiries which should be off from report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
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. (KY)

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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 

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 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Consumer complaint received 2023-09-18
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. (NV)

In accordance with ther Fair Credit Reporting act XXXX Account #, 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 withou my written instructions.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (FL)

Lately I have been receiving numerous back to back calls from Valentine and Kebartas. I called back today because I have paid off one debt and was notified that I had another. Today alone there were two back to back calls at XXXX and there were others within the past few days from other numbers. I spoke with someone earlier today and was informed of the debt and stated that I would be calling back in a short time frame to settle my debt. This was earlier than the repeated calls this evening.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX XXXX XXXX, I received a call from Wells Fargo XXXX department. Wells Fargo agent asked me to verify my address and then inform me no they were quiring two transactions in different amounts that were made in XXXXXXXX XXXX 

I advise the agent That I did not make those purchases in XXXX as I live in XXXXXXXX XXXX and as a XXXX veteran, I dont travel very much outside of XXXX XXXX The advised me that they would reverse the charges, and issue me a new debit card within XXXX business days. 

On XXXX XXXX I logged into my account and transferred the bulk of what was in checking to savings thinking that would protect my account from fraudulent withdrawals until I received my new debt card. 

I on or about XX/XX/2023 and I received notification of an overdraft. I didnt log into my account and saw that both the checking and my savings had been cleared out and it showed one transaction in the amount of {$1800.00} and XXXX transactions each in the amount of {$200.00} had been withdrawn from an ATM in XXXX XXXX XXXX XXXX 

I called Wells Fargo fraud department and reported fraudulent transactions. The Wells Fargo agent it looking at his computer records of my account re-confirmed that the {$1800.00} deduction was from XXXX ATM in XXXX and the other seven from a different ATM in XXXX. He also indicated that if his record shows that I called, Wells Fargo and reported a lost debit card and that a new debit card was issued. He also stated that I requested that the new card be sent to an address located in XXXX XXXX XXXX He also mentioned that in their investigation they would be able to get video recordings from each of the XXXX ATMs where the withdrawals were made, he also stated they had the ability to match voice inflection, to see if my voice matched the call made to report lost card & request new card be sent to XXXX address vs. my home address here in XXXX! He stated it would take them XXXX business days to investigate, they would cancel the new issued credit card and send me a new debit card to use going forward. 
On or about XXXX XXXX, I received another call from Wells Fargo but this time it was from their Claims Assistance Center to collect to collect {$470.00} in overdraft fees. 
The young lady had no knowledge in her computer system of the scam/fraud that had occurred on my account, or discussions I had with the fraud department on XXXX XXXX. She said she would file a claim on my behalf to deny these overdraft charges, and again I would hear Results of that claim in XXXX business days. 
* these are some claim numbers : XXXX & XXXX My debit card which was never lost is # XXXX and at no time to date have I received any replacement card! 
Todays mail I received a denial of claim letter!!
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (NJ)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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 XXXX business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-14
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 would like to dispute these inaccurate items on my credit report listed below. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. 

Equifax : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX