davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (PR)

PenFed is reporting a credit card ( XXXX XXXX # XXXX ) to the credit bureau. I went to PenFed in XXXX XXXX last year and told them that PenFed is reporting a credit card that I don't recognize to the credit bureau. They told me that all my account are up to date in good standing. I gave then a copy of the report and then they started the investigation. A few month ago they recognized that there was a flaw in the sistem and they corrected the issue. PenFed again this month reported it as un paid amount around {$60.00} and with interest is close to {$290.00}. This acount appears for the first time in my penfed account a few weeks ago. All my PenFed account are up to date except that one they add to my account, I have actually 3 cars loan, 3 credit card with them in good standing... And now it appears in my account that credit card with negative results. I contact them via phone and they told me that that what the system shows... I personal went to PenFen in XXXX XXXX to report this issue AGAIN... I can't believed it!!! It takes common sense that for {$60.00} XXXX will mess my credit and my other account is in outstanding. I'm in the process to by a house and now is in hold till I resolved this issue... Please can you expedite this case thanks in advance...
Consumer complaint received 2024-05-17
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

XXXX XXXX XXXX XXXX Order granting Motion For Leave to Proceed in XXXX XXXX on XXXX XXXX XXXX, as shown on XXXX XXXX  Copy Included, for XXXX XXXX complaint in process record, as well as Equifax complaint record. Full Case Number is : XXXX, as shown on XXXX XXXX Copy attached.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
INACCURATE NAME : 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 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 XXXXXX/XX/year>
Consumer complaint received 2024-05-17
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PR)

I applied for CARE CREDIT a couple of times and was recieving an inconclusive response with a link to the credit bureau. I need to get approved for care credit in order to receive medical treatment. 
I called care credit they told me i should just apply again, i applied numerous times and have been getting the same response. Care credit has not helped fix this issue and i havent been able to pay for my healthcare.
Consumer complaint received 2023-07-08
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. (FL)

In accordance with the Fair Credit reporting Act ( XXXX XXXX XXXX ) ( Account # XXXX ) has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1581 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I've attempted via mail to solve this issues, I've yet to this date received original documents of this inaccurate reporting
Consumer complaint received 2024-05-17
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. (SC)

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section XXXX a states I have the right to privacy 15 USC 1681 section XXXX a section XXXX it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than XXXX years. 
15 USC 1681s-2 ( A ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate
Consumer complaint received 2024-05-17
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 am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate these accounts promptly and make the necessary corrections. 
Below are the accounts in question : XXXX  XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

On XX/XX/2022 we received a letter from SPS explaining the process regarding our claim to CFPB and what they have done. The requirement that is addressed in this letter regarding that per investor guidelines they need the name of the XXXX Mortgage holder was not mentioned before until XX/XX/2022 in this letter and the dashboard. We have done everything required to complete the documentation for this case and we feel that they do not want to work with us to sell through a short sale process. Also, they assigned us a relationship manager, XXXX XXXX and we have not been able to reach this person the times we have called to SPS, once last week and once the week before. For this reason we have talked to other two representatives. One and a half week ago, after seeing that we had new comments on our dashboard regarding the XXXX mortgage, we called SPS with our Realtor and the representative explained to us what was needed. We uploaded the documents with the information required, hoping that everything was completed because as per the conversation, there was nothing else. But it was not like that. Some days passed and we continued to see comments in the dashboard. When we called last week on XX/XX/XXXX, we talked to another representative and he let us know that they were requiring us to include in the HUD-1 the name of the XXXX Mortgage holder in line 1108. This is really unacceptable, we are frustrated. Every time we call, there is a different comment that was not there before. As of today, we have been 108 days in this process since XX/XX/XXXX, it will be a total of four ( 4 ) months on XX/XX/2022. Even though they have not been clear during this process, they are giving us until this coming Wednesday XX/XX/2022 to submit all documents, after this date they will not evaluate our case, after almost 4 months in this process. Also, the process to make a decision will take another 30 days after all documents are complete. Today we checked the system and they have not given a response to the last document ( HUD-1 ) we uploaded on Thursday XX/XX/2022. We need help so SPS verify our documents on time before this due date they are giving us and let us know the documents are complete. We do not want to have a foreclosure, we need to continue the short sale process. 

Thank you XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency my 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 1681s2 ( 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 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the Fair Credit Reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency my 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 1681s2 ( 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 2023-05-19
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. (OH)

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. XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting 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. 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy.

I've tried to resolve this account with the reporting agencies but they have been driving me in circles.
Consumer complaint received 2024-05-17
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. (TX)

I am surprised to see my credit scored decreased for an account I did not open as reported by XXXX XXXX.here is the report on XXXX XXXX  below Account Opened New XXXXXXXX XXXX XXXX XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXXXXXX XXXX XXXX  XXXX was added to your report. This account was opened on XX/XX/XXXX. 

Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have 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 mandated 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
Consumer complaint received 2022-09-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

I am not aware of this account. I demand that this account be removed from my credit information. I don't know who or what is Portfolio recovery. Not knowing, I do not accept that the amount indicated is not mine. I demand that you clearly indicate that it is mine.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/2022, I made a cash deposit after cashing a personal check at my bank First Bank in Driving XXXX XXXX. I went to the ATM machine and deposit the cash from the check that was {$220.00}. and the ATM machine rejected it twice I decided to go to another Fist Bank. I went to the one that is on XXXX XXXX XXXX, and it happened again but the second time it rejected the deposit the machine only returned me {$5.00}, and it never gave me a receipt. So, I enter the Bank and explained what happened and they told me that the deposit was not showing. They told me that they will do an investigation to see if there's any irregular movement. I ask if they can at least check the ATM machine to see if my money is stuck and they say they can't do that and also said if they can count the money so they can see that there will be {$220.00} extra and they said that i have to wait 10 days for the investigation. They when the 10 days passed, I call to see what had happened with my money and they said that they didn't find anything irregular with the ATM machine, and that was the end of it. I would like for an extreme investigation because I am certain that the ATM machine kept my {$220.00}. They can even check the video camera that doesn't lie. Also, when I was doing my claim there was other customers saying that was not the first time the ATM machine was not working right.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (PR)

During the process of American express closing my Gold Card I was never briefed on the possibility of downgrading to a non annual fee product for which they proceed on closing the account because I did not wanted to pay the annual fee and again, never gave me the chance to keep the account open by downgrading the account. It is very unfair that I now a close account in my credit score when the company never properly educated me on all the options I had. I called twice to properly work out a solution and both time they said after being on the phone for 1 hour, that they would reach back and have not done so.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I paid the entire credit card balance of {$10000.00} off bringing the account to {$0.00}. On XX/XX/XXXX I received an email that my credit card statement was ready and there was a new charge of {$160.00} in interest applied to the balance owed. I contacted CapitalOne Customer Service today on XX/XX/XXXX to inquire about the charge and to ask this be removed. I spoke with XXXX, the CSR who passed me to a supervisor as she ( XXXX ) was unable to remove the interest fee. 

The supervisor indicated she could not waive the fee and the interest charge was applied on XX/XX/XXXX, the same day as my payment posting. This can not be the case as I logged in to my account 2 times after my payment posted ( on XX/XX/XXXX and XX/XX/XXXX ) and the account was showing a {$0.00} balance. This interest charge had to have occurred after XX/XX/XXXX and the account supervisor is not providing accurate information. 

I would like to lodge a complaint against CapitalOne based on on deceptive and unfair practices and will continue pursuing my request for CapitalOne to remove the charge. I have documentation showing the date the balance was paid, the date the interest was charged and also documentation showing the dates I logged in to my account to view the balance. 

Thank you for taking the time to review this complaint and please let me know if there are any questions or if any additional information is needed. 

Thank you
Consumer complaint received 2024-05-17
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. (IL)

After reviewing my credit report, I have noticed hard inquiries I do not recognize I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transaction that are not initiated by consumer ( 3 ) Information regarding inquiries, Except as provide in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transactions that is not initiated by a consumer