davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (PR)

Greetings : My name is XXXX XXXX. My mortgage loan is with Planet Home Lending. From XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  I was making a monthly Escrow payment of {$47.00}. When XX/XX/XXXXXXXX  arrives, Planet Home Lendig lowers the monthly Escrow payment to {$21.00}. The one that determined that amount to pay was the bank. 

When XX/XX/XXXXXXXX  arrives, they increase my payment to {$130.00} because they need to recover the money not paid by me. I contacted them on XX/XX/XXXXXXXX  to verify the account and find out what happened. They told me after two hours that what happened was a bank error. I tell them what the difference is and they tell me that it is {$1100.00} and I do not agree with that amount because every month there was a monthly contribution to Escrow and I understand from some calculations that it is not the correct amount. The bank staff tells me about the error but I have to pay for that error. 
I would like the reason for the Escrow problem to be investigated and why I am being billed for a larger amount than expected. 

I was never notified of the situation
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Advise Solutions Services LLC (PR)

Today, XX/XX/ I answered my cell phone from a XXXX. This person identified himself as XXXX XXXX from XXXX XXXX XXXX, stating that my credit score was going down and that she can provide solutions. I told her that I was not interested in their services, and she began harassing me. She ask for personal information to confirm my identity, I told her to please stop harassing and to remove my number from their call list. I do not know how they have my new phone number or how they know about my credit scores. I have check my credit reports after that incident, and my new number is not there on any of the three reports.She said that the company will keep calling every day. I cant imagine how a company still doing this after so many complaints. That is so unprofessional and disrespectful.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-08
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-03
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. (FL)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION (KS)

XXXX ( XX/XX/2024 ) we received word by mail ( dated XX/XX/XXXX ) from America First Credit Union that our recently purchased XXXX America First HSA CD 's will be automatically transferred in XXXX to some company called XXXX XXXX, a non bank/credit union . I never knew this could be done! It seems we may retain our XXXX eligibility but details are practically non existent. Initial research turns up issues. We have XXXX HSA CDs at America First, the first XXXX due for renewal about 7 months and another in XXXX. XXXX is not a bank or credit union. XXXX is owned by XXXX XXXX. When searching for XXXX eligible items I discovered they offer to sell these direct to you. For example, XXXX medical products. Now we need to determine our complete set of options. Where is there a complete list of options? Terms, conditions and options are nearly non existent. This begins with the ability to move our funds out of their control ( at no cost or penalty ) and into a real bank or credit union etc. I doubt they have any bank links and even if they do what interest rate do they pay? Previously we would have had the option eligible funds out and or reinvest the balance. This move by America First is at best unprofessional. Our regulated federal institutions should never allow this to occur with long term CD accounts.
Consumer complaint received 2023-09-22
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX and # 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 2023-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GU)

XX/XX/2023 I believe this debt is related to the fraudulent theft of my identity used to open up a credit card with XXXX XXXX XXXX 

XXXX XXXX XXXX  claims that I made this request by a branch visit, but I have not been to the US mainland in 30 years, so I find that impossible. I request that this debt be cancelled due to identity theft.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX AUTO XXXX XXXX FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (PR)

I used the Zelle money service to digitally pay for a service. The issue occurred when the wrong email address was entered due to auto correct. This happened for two transactions, and I had written to XXXX and Zelle to fix the issue. Zelle told me to consult my financial institution. XXXX told me that since the money was sent to the email address listed that it was not an error. Clearly it was when it didn't reach the intended merchant. XX/XX/XXXX I originally sent {$530.00} to the wrong email address ; I had put XXXX instead of XXXX. I then made a second transaction on XX/XX/XXXX for {$250.00}. This is unacceptable customer service and is crazy to me, how can companies just rip people off out of money like this?
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PR)

The debt collector Caine & Weiner reported a negative debt in the amount of {$1200.00} reported on XX/XX/2018, XXXX and 4 months ago I didn't have a vehicle on my name and didn't have any type of vehicle insurance because at that time I wasn't located in the state of Florida and was going through a family hardship in a different state.
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. (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
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. (OH)

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 2024-05-03
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS uld PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Consumer complaint received 2024-05-03
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Credit Services Inc. (PR)

Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. 
DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. 
These are the account details : 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX /AMOUNT {$1700.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  /AMOUNT : {$1400.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/ AMOUNT XXXX {$1300.00} FILE # DISPUTE : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} / FILE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX FILE # DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX XXXX  FILE # DISPUTE XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ AMOUNT XXXX XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AMOUNT {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXXXXXX DISPUTE # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX DISPUTE # XXXX
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Help Financial, LLC (PR)

In XX/XX/2022 i saw that someone had opened accounts in my name. I disputed these accounts with credit agencys. theres XXXX accounts from first help financial and XXXX from XXXX XXXX. 
Theres also XXXX names that are not my name in the account. Also addresses that are nor mine. I dont owe that money. Ive lived in XXXX XXXX my entire life. Those accounts are from somewhere in the USA that i have no knowledge of. You can see my info and see that everything i have is in XXXX XXXX. Not in The US. Also, inquiries that arent mine are also there.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/2023 I bought tickets using my recently approved XXXX XXXX XXXX issued by Banco Popular de Puerto Rico. One of the supposed benefits of this credit card is having the first free bag ( and for up to 4 companions ) with each flight purchase using the credit card. Unfortunately, during and after making the purchase in XXXX website I DID NOT have the free bag. I called XXXX customer service and they informed that even if I used the XXXX XXXX XXXX, this benefit is NOT available due to several reasons ( because I am resident of XXXX XXXX, serious issues between XXXX and Banco Popular de Puerto Rico, etc... ). This card has an annual fee of {$99.00} and now I DO NOT have the free bag they offer by having this credit card. I called to Banco Popular de Puerto Rico and they say that they have a " unsolved struggle or a difference '' with XXXX and that a lot of customers encounter that they DO NOT have the free bag they offer. Now I have this credit card with no free bag as advertised and do not trust anymore in Banco Popular de Puerto Rico. They just say that there is a claim in process and that it could take up to 90 days to try to resolve my issue. I consider this is NOT fair. Banco Popular de Puerto Rico has a very poor reputation in the XXXX. I have people near to me that claim having exactly the same issue of NO FREE BAG. I please ask you to investigate this misleading staff of Banco Popular de Puerto Rico and the non-compliance of the credit card terms. 

Attached you will find the XXXX XXXX XXXX XXXX and Benefits. In addition, you will find the Claim # they created for me with a XXXX wait time to try to resolve the claim. Unfortunately, Banco Popular de Puerto Rico is advertising that this credit card ( annual fee of {$99.00} ) has a free bag benefit but we as customers are NOT having this benefit at the time of purchasing XXXX tickets through the different ways ( online, telephone, etc... ).
Consumer complaint received 2023-09-08
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, has violate my rights. 

15 USC 1681 section 602 A States I have the right of privacy.

15 USC 1681 Section 604 A Secton 2. I also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.

I dont agree with the negative payment status and history listed on this account.This account never was late and was paid on time as agreed. The investigation done by the credit reporting agency was fraudulent.
Consumer complaint received 2024-05-03
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. (IL)

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 informationisinaccurate.
Consumer complaint received 2023-09-22
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. (PR)

In accordance with the Fair Credit Reporting Act convengent account # XXXX and # 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PR)

On XX/XX/XXXX, a first payment was made, which we found out today that it was never processed at that time and there was no notification ( by mistake in the account number entered in the system ) from GM financial and then XXXX additional payments were made on XX/XX/XXXX of XXXX to maintain the account in advance. In XX/XX/XXXX we were traveling and we thought that the account had a month in advance, so a XXXX-day delay was reflected in an error due to non-notification of the first payment not processed and not notified.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act the account listed below 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 an account without my written instructions. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-05-03
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. (WI)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
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: Experian Information Solutions Inc. (PR)

I had disputed an account that was open fraudulent. It took more than 3 months. 
I call XXXX XXXX  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.